CORECARD CORP (CCRD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CCRD - US45816D1000 - Common Stock
23.6 USD
-0.72 (-2.96%)
23.5 USD
-0.1 (-0.42%)
Taking everything into account, CCRD scores 6 out of 10 in our fundamental rating. CCRD was compared to 278 industry peers in the Software industry. CCRD is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. CCRD has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CCRD had positive earnings in the past year.
- In the past year CCRD had a positive cash flow from operations.
- CCRD had positive earnings in each of the past 5 years.
- CCRD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CCRD has a Return On Assets of 11.30%. This is amongst the best in the industry. CCRD outperforms 88.07% of its industry peers.
- CCRD has a Return On Equity of 14.23%. This is amongst the best in the industry. CCRD outperforms 81.75% of its industry peers.
- The Return On Invested Capital of CCRD (13.25%) is better than 90.18% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CCRD is above the industry average of 10.76%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.3% | ||
| ROE | 14.23% | ||
| ROIC | 13.25% |
ROA(3y)12%
ROA(5y)13.17%
ROE(3y)14.43%
ROE(5y)16.48%
ROIC(3y)15.06%
ROIC(5y)16.56%
1.3 Margins
- The Profit Margin of CCRD (12.36%) is better than 73.68% of its industry peers.
- CCRD's Profit Margin has declined in the last couple of years.
- CCRD has a better Operating Margin (15.96%) than 82.81% of its industry peers.
- CCRD's Operating Margin has declined in the last couple of years.
- CCRD has a Gross Margin of 45.41%. This is in the lower half of the industry: CCRD underperforms 70.18% of its industry peers.
- CCRD's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.96% | ||
| PM (TTM) | 12.36% | ||
| GM | 45.41% |
OM growth 3Y-20.51%
OM growth 5Y-20.84%
PM growth 3Y-20.28%
PM growth 5Y-21.57%
GM growth 3Y-10.43%
GM growth 5Y-10.05%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CCRD is creating some value.
- Compared to 1 year ago, CCRD has less shares outstanding
- CCRD has less shares outstanding than it did 5 years ago.
- CCRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- CCRD has an Altman-Z score of 10.83. This indicates that CCRD is financially healthy and has little risk of bankruptcy at the moment.
- CCRD has a Altman-Z score of 10.83. This is amongst the best in the industry. CCRD outperforms 87.37% of its industry peers.
- CCRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 10.83 |
ROIC/WACC1.21
WACC10.99%
2.3 Liquidity
- A Current Ratio of 4.29 indicates that CCRD has no problem at all paying its short term obligations.
- The Current ratio of CCRD (4.29) is better than 85.26% of its industry peers.
- A Quick Ratio of 4.29 indicates that CCRD has no problem at all paying its short term obligations.
- The Quick ratio of CCRD (4.29) is better than 85.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.29 | ||
| Quick Ratio | 4.29 |
3. Growth
3.1 Past
- CCRD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 216.22%, which is quite impressive.
- Measured over the past years, CCRD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.33% on average per year.
- Looking at the last year, CCRD shows a very strong growth in Revenue. The Revenue has grown by 23.61%.
- CCRD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.85% yearly.
EPS 1Y (TTM)216.22%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%106.67%
Revenue 1Y (TTM)23.61%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.52%
3.2 Future
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y40.25%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 20.17, the valuation of CCRD can be described as rather expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of CCRD indicates a somewhat cheap valuation: CCRD is cheaper than 75.09% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.25, CCRD is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 21.03, the valuation of CCRD can be described as rather expensive.
- Based on the Price/Forward Earnings ratio, CCRD is valued a bit cheaper than 70.88% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, CCRD is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.17 | ||
| Fwd PE | 21.03 |
4.2 Price Multiples
- CCRD's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CCRD is cheaper than 88.42% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, CCRD is valued a bit cheaper than 79.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.62 | ||
| EV/EBITDA | 10.75 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CCRD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CCRD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CORECARD CORP / CCRD FAQ
What is the fundamental rating for CCRD stock?
ChartMill assigns a fundamental rating of 6 / 10 to CCRD.
What is the valuation status for CCRD stock?
ChartMill assigns a valuation rating of 6 / 10 to CORECARD CORP (CCRD). This can be considered as Fairly Valued.
What is the profitability of CCRD stock?
CORECARD CORP (CCRD) has a profitability rating of 6 / 10.
What is the financial health of CORECARD CORP (CCRD) stock?
The financial health rating of CORECARD CORP (CCRD) is 10 / 10.
What is the earnings growth outlook for CORECARD CORP?
The Earnings per Share (EPS) of CORECARD CORP (CCRD) is expected to grow by 40.25% in the next year.