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CORECARD CORP (CCRD) Stock Fundamental Analysis

NYSE:CCRD - New York Stock Exchange, Inc. - US45816D1000 - Common Stock - Currency: USD

27.64  -0.07 (-0.25%)

After market: 27.64 0 (0%)

Fundamental Rating

6

Overall CCRD gets a fundamental rating of 6 out of 10. We evaluated CCRD against 282 industry peers in the Software industry. CCRD has an excellent financial health rating, but there are some minor concerns on its profitability. CCRD has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

CCRD had positive earnings in the past year.
CCRD had a positive operating cash flow in the past year.
In the past 5 years CCRD has always been profitable.
Each year in the past 5 years CCRD had a positive operating cash flow.
CCRD Yearly Net Income VS EBIT VS OCF VS FCFCCRD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M

1.2 Ratios

With an excellent Return On Assets value of 10.75%, CCRD belongs to the best of the industry, outperforming 87.94% of the companies in the same industry.
The Return On Equity of CCRD (12.81%) is better than 79.79% of its industry peers.
With an excellent Return On Invested Capital value of 12.16%, CCRD belongs to the best of the industry, outperforming 89.01% of the companies in the same industry.
CCRD had an Average Return On Invested Capital over the past 3 years of 15.06%. This is above the industry average of 12.11%.
Industry RankSector Rank
ROA 10.75%
ROE 12.81%
ROIC 12.16%
ROA(3y)12%
ROA(5y)13.17%
ROE(3y)14.43%
ROE(5y)16.48%
ROIC(3y)15.06%
ROIC(5y)16.56%
CCRD Yearly ROA, ROE, ROICCCRD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

1.3 Margins

CCRD's Profit Margin of 11.35% is fine compared to the rest of the industry. CCRD outperforms 77.31% of its industry peers.
CCRD's Profit Margin has declined in the last couple of years.
CCRD has a Operating Margin of 14.47%. This is amongst the best in the industry. CCRD outperforms 82.27% of its industry peers.
In the last couple of years the Operating Margin of CCRD has declined.
CCRD has a Gross Margin of 42.94%. This is in the lower half of the industry: CCRD underperforms 72.69% of its industry peers.
CCRD's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.47%
PM (TTM) 11.35%
GM 42.94%
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%
CCRD Yearly Profit, Operating, Gross MarginsCCRD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 200 300

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10

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.
CCRD has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CCRD has been reduced compared to 5 years ago.
There is no outstanding debt for CCRD. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CCRD Yearly Shares OutstandingCCRD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
CCRD Yearly Total Debt VS Total AssetsCCRD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

CCRD has an Altman-Z score of 15.90. This indicates that CCRD is financially healthy and has little risk of bankruptcy at the moment.
CCRD has a Altman-Z score of 15.90. This is amongst the best in the industry. CCRD outperforms 91.49% of its industry peers.
There is no outstanding debt for CCRD. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 15.9
ROIC/WACC1.19
WACC10.25%
CCRD Yearly LT Debt VS Equity VS FCFCCRD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M 50M

2.3 Liquidity

CCRD has a Current Ratio of 4.96. This indicates that CCRD is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 4.96, CCRD belongs to the top of the industry, outperforming 88.30% of the companies in the same industry.
A Quick Ratio of 4.96 indicates that CCRD has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.96, CCRD belongs to the top of the industry, outperforming 88.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.96
Quick Ratio 4.96
CCRD Yearly Current Assets VS Current LiabilitesCCRD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 129.55% over the past year.
The earnings per share for CCRD have been decreasing by -11.33% on average. This is quite bad
CCRD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.31%.
Measured over the past years, CCRD shows a quite strong growth in Revenue. The Revenue has been growing by 10.85% on average per year.
EPS 1Y (TTM)129.55%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%300%
Revenue 1Y (TTM)12.31%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.62%

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.
CCRD Yearly Revenue VS EstimatesCCRD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
CCRD Yearly EPS VS EstimatesCCRD Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 27.37, the valuation of CCRD can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of CCRD indicates a somewhat cheap valuation: CCRD is cheaper than 69.50% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.24, CCRD is valued at the same level.
CCRD is valuated rather expensively with a Price/Forward Earnings ratio of 24.63.
Based on the Price/Forward Earnings ratio, CCRD is valued a bit cheaper than the industry average as 69.50% of the companies are valued more expensively.
CCRD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 36.42.
Industry RankSector Rank
PE 27.37
Fwd PE 24.63
CCRD Price Earnings VS Forward Price EarningsCCRD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

CCRD's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CCRD is cheaper than 86.52% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CCRD is valued a bit cheaper than 62.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 46.72
EV/EBITDA 15.03
CCRD Per share dataCCRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
The decent profitability rating of CCRD may justify a higher PE ratio.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CCRD does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CORECARD CORP

NYSE:CCRD (8/4/2025, 8:04:00 PM)

After market: 27.64 0 (0%)

27.64

-0.07 (-0.25%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)07-31 2025-07-31
Earnings (Next)10-29 2025-10-29
Inst Owners40.88%
Inst Owner ChangeN/A
Ins Owners29.06%
Ins Owner Change0.21%
Market Cap215.32M
Analysts43.33
Price Target21.42 (-22.5%)
Short Float %4.72%
Short Ratio3.57
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)138.29%
Min EPS beat(2)71.57%
Max EPS beat(2)205.01%
EPS beat(4)4
Avg EPS beat(4)114.92%
Min EPS beat(4)71.57%
Max EPS beat(4)205.01%
EPS beat(8)7
Avg EPS beat(8)147.39%
EPS beat(12)9
Avg EPS beat(12)103.57%
EPS beat(16)13
Avg EPS beat(16)90.01%
Revenue beat(2)2
Avg Revenue beat(2)10.26%
Min Revenue beat(2)8.45%
Max Revenue beat(2)12.06%
Revenue beat(4)4
Avg Revenue beat(4)12.62%
Min Revenue beat(4)8.45%
Max Revenue beat(4)18.42%
Revenue beat(8)5
Avg Revenue beat(8)5.41%
Revenue beat(12)9
Avg Revenue beat(12)6.26%
Revenue beat(16)13
Avg Revenue beat(16)11.22%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.85%
EPS NY rev (1m)0%
EPS NY rev (3m)19.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.86%
Valuation
Industry RankSector Rank
PE 27.37
Fwd PE 24.63
P/S 3.53
P/FCF 46.72
P/OCF 21.86
P/B 3.98
P/tB 3.98
EV/EBITDA 15.03
EPS(TTM)1.01
EY3.65%
EPS(NY)1.12
Fwd EY4.06%
FCF(TTM)0.59
FCFY2.14%
OCF(TTM)1.26
OCFY4.57%
SpS7.83
BVpS6.94
TBVpS6.94
PEG (NY)0.68
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 10.75%
ROE 12.81%
ROCE 15.75%
ROIC 12.16%
ROICexc 23.99%
ROICexgc 23.99%
OM 14.47%
PM (TTM) 11.35%
GM 42.94%
FCFM 7.55%
ROA(3y)12%
ROA(5y)13.17%
ROE(3y)14.43%
ROE(5y)16.48%
ROIC(3y)15.06%
ROIC(5y)16.56%
ROICexc(3y)29.29%
ROICexc(5y)46.89%
ROICexgc(3y)29.39%
ROICexgc(5y)46.95%
ROCE(3y)19.51%
ROCE(5y)21.44%
ROICexcg growth 3Y-28.07%
ROICexcg growth 5Y-26.9%
ROICexc growth 3Y-28.07%
ROICexc growth 5Y-26.9%
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%
F-Score9
Asset Turnover0.95
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 159.46%
Cap/Sales 8.59%
Interest Coverage 250
Cash Conversion 81.29%
Profit Quality 66.57%
Current Ratio 4.96
Quick Ratio 4.96
Altman-Z 15.9
F-Score9
WACC10.25%
ROIC/WACC1.19
Cap/Depr(3y)124.94%
Cap/Depr(5y)169.94%
Cap/Sales(3y)10.15%
Cap/Sales(5y)12.34%
Profit Quality(3y)121.7%
Profit Quality(5y)114.39%
High Growth Momentum
Growth
EPS 1Y (TTM)129.55%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%300%
EPS Next Y40.25%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.31%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.62%
Revenue Next Year17.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y120.09%
EBIT growth 3Y-15.78%
EBIT growth 5Y-12.25%
EBIT Next Year200.92%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.36%
FCF growth 3Y-33.89%
FCF growth 5Y-36.88%
OCF growth 1Y-21.21%
OCF growth 3Y-13.36%
OCF growth 5Y-11.34%