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CORECARD CORP (CCRD) Stock Fundamental Analysis

USA - NYSE:CCRD - US45816D1000 - Common Stock

23.6 USD
-0.72 (-2.96%)
Last: 10/30/2025, 8:04:00 PM
23.5 USD
-0.1 (-0.42%)
After Hours: 10/30/2025, 8:04:00 PM
Fundamental Rating

6

CCRD gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 281 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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6

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.
Each year in the past 5 years CCRD has been profitable.
CCRD had a positive operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 11.30%, CCRD belongs to the top of the industry, outperforming 88.07% of the companies in the same industry.
CCRD's Return On Equity of 14.23% is amongst the best of the industry. CCRD outperforms 81.75% of its industry peers.
CCRD's Return On Invested Capital of 13.25% is amongst the best of the industry. CCRD outperforms 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 11.92%.
Industry RankSector 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%
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 has a Profit Margin of 12.36%. This is in the better half of the industry: CCRD outperforms 73.68% of its industry peers.
In the last couple of years the Profit Margin of CCRD has declined.
CCRD has a Operating Margin of 15.96%. This is amongst the best in the industry. CCRD outperforms 82.81% of its industry peers.
CCRD's Operating Margin has declined in the last couple of years.
The Gross Margin of CCRD (45.41%) is worse than 70.18% of its industry peers.
In the last couple of years the Gross Margin of CCRD has declined.
Industry RankSector 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%
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.
CCRD has less shares outstanding than it did 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 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 10.83
ROIC/WACC1.21
WACC10.99%
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

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.
CCRD has a Quick Ratio of 4.29. This indicates that CCRD is financially healthy and has no problem in meeting its short term obligations.
CCRD's Quick ratio of 4.29 is amongst the best of the industry. CCRD outperforms 85.26% of its industry peers.
Industry RankSector Rank
Current Ratio 4.29
Quick Ratio 4.29
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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4

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.
CCRD shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.33% yearly.
Looking at the last year, CCRD shows a very strong growth in Revenue. The Revenue has grown by 23.61%.
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)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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 20.17, CCRD is valued on the expensive side.
Based on the Price/Earnings ratio, CCRD is valued a bit cheaper than 75.09% of the companies in the same industry.
When comparing the Price/Earnings ratio of CCRD to the average of the S&P500 Index (25.89), we can say CCRD is valued slightly cheaper.
The Price/Forward Earnings ratio is 21.03, which indicates a rather expensive current valuation of CCRD.
Based on the Price/Forward Earnings ratio, CCRD is valued a bit cheaper than 70.88% of the companies in the same industry.
CCRD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 34.59.
Industry RankSector Rank
PE 20.17
Fwd PE 21.03
CCRD Price Earnings VS Forward Price EarningsCCRD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCRD indicates a somewhat cheap valuation: CCRD is cheaper than 79.30% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.62
EV/EBITDA 10.75
CCRD Per share dataCCRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

CCRD's 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

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0

5. Dividend

5.1 Amount

No dividends for CCRD!.
Industry RankSector Rank
Dividend Yield N/A

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CORECARD CORP

NYSE:CCRD (10/30/2025, 8:04:00 PM)

After market: 23.5 -0.1 (-0.42%)

23.6

-0.72 (-2.96%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)10-30 2025-10-30
Earnings (Next)02-18 2026-02-18/bmo
Inst Owners44.04%
Inst Owner ChangeN/A
Ins Owners29.03%
Ins Owner Change-161.35%
Market Cap183.84M
Revenue(TTM)64.81M
Net Income(TTM)8.01M
Analysts43.33
Price Target21.42 (-9.24%)
Short Float %3.95%
Short Ratio4.01
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)42.07%
Min EPS beat(2)12.56%
Max EPS beat(2)71.57%
EPS beat(4)4
Avg EPS beat(4)90.54%
Min EPS beat(4)12.56%
Max EPS beat(4)205.01%
EPS beat(8)7
Avg EPS beat(8)147.98%
EPS beat(12)10
Avg EPS beat(12)104.9%
EPS beat(16)13
Avg EPS beat(16)90.04%
Revenue beat(2)2
Avg Revenue beat(2)8.46%
Min Revenue beat(2)4.86%
Max Revenue beat(2)12.06%
Revenue beat(4)4
Avg Revenue beat(4)10.95%
Min Revenue beat(4)4.86%
Max Revenue beat(4)18.42%
Revenue beat(8)6
Avg Revenue beat(8)6.08%
Revenue beat(12)9
Avg Revenue beat(12)5.64%
Revenue beat(16)13
Avg Revenue beat(16)10.03%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 20.17
Fwd PE 21.03
P/S 2.84
P/FCF 20.62
P/OCF 12.97
P/B 3.26
P/tB 3.26
EV/EBITDA 10.75
EPS(TTM)1.17
EY4.96%
EPS(NY)1.12
Fwd EY4.75%
FCF(TTM)1.14
FCFY4.85%
OCF(TTM)1.82
OCFY7.71%
SpS8.32
BVpS7.23
TBVpS7.23
PEG (NY)0.5
PEG (5Y)N/A
Graham Number13.8
Profitability
Industry RankSector Rank
ROA 11.3%
ROE 14.23%
ROCE 17.17%
ROIC 13.25%
ROICexc 28.53%
ROICexgc 28.53%
OM 15.96%
PM (TTM) 12.36%
GM 45.41%
FCFM 13.76%
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%
ROICexgc growth 3Y-28.07%
ROICexgc 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-Score8
Asset Turnover0.91
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 162.65%
Cap/Sales 8.12%
Interest Coverage 250
Cash Conversion 104.4%
Profit Quality 111.28%
Current Ratio 4.29
Quick Ratio 4.29
Altman-Z 10.83
F-Score8
WACC10.99%
ROIC/WACC1.21
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)216.22%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%106.67%
EPS Next Y40.25%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.61%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.52%
Revenue Next Year17.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y316.93%
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-46.39%
FCF growth 3Y-33.89%
FCF growth 5Y-36.88%
OCF growth 1Y-39.98%
OCF growth 3Y-13.36%
OCF growth 5Y-11.34%

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 of CORECARD CORP (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.


How financially healthy is CORECARD CORP?

The financial health rating of CORECARD CORP (CCRD) is 10 / 10.


What is the expected EPS growth for CORECARD CORP (CCRD) stock?

The Earnings per Share (EPS) of CORECARD CORP (CCRD) is expected to grow by 40.25% in the next year.