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CORECARD CORP (CCRD) Stock Fundamental Analysis

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

25.7  +0.23 (+0.9%)

Fundamental Rating

6

CCRD gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 283 industry peers in the Software industry. While CCRD has a great health rating, its profitability is only average at the moment. CCRD is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year CCRD was profitable.
CCRD had a positive operating cash flow in the past year.
CCRD had positive earnings in each of the past 5 years.
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

CCRD has a better Return On Assets (10.75%) than 86.93% of its industry peers.
CCRD has a Return On Equity of 12.81%. This is in the better half of the industry: CCRD outperforms 79.86% of its industry peers.
CCRD's Return On Invested Capital of 12.16% is amongst the best of the industry. CCRD outperforms 87.99% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CCRD is above the industry average of 12.70%.
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 76.68% of its industry peers.
CCRD's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 14.47%, CCRD belongs to the top of the industry, outperforming 81.98% of the companies in the same industry.
CCRD's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 42.94%, CCRD is doing worse than 72.79% of the companies in the same industry.
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

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CCRD is still creating some value.
The number of shares outstanding for CCRD has been reduced compared to 1 year ago.
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.
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

An Altman-Z score of 15.02 indicates that CCRD is not in any danger for bankruptcy at the moment.
CCRD has a Altman-Z score of 15.02. This is amongst the best in the industry. CCRD outperforms 91.52% 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 15.02
ROIC/WACC1.1
WACC11.05%
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.
CCRD has a Current ratio of 4.96. This is amongst the best in the industry. CCRD outperforms 86.93% of its industry peers.
A Quick Ratio of 4.96 indicates that CCRD has no problem at all paying its short term obligations.
CCRD has a Quick ratio of 4.96. This is amongst the best in the industry. CCRD outperforms 86.93% of its industry peers.
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.
CCRD shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.33% yearly.
The Revenue has grown by 12.31% in the past year. This is quite good.
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 25.45, the valuation of CCRD can be described as expensive.
Based on the Price/Earnings ratio, CCRD is valued a bit cheaper than 72.08% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.82. CCRD is around the same levels.
Based on the Price/Forward Earnings ratio of 22.91, the valuation of CCRD can be described as rather expensive.
CCRD's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CCRD is cheaper than 70.32% of the companies in the same industry.
CCRD's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.76.
Industry RankSector Rank
PE 25.45
Fwd PE 22.91
CCRD Price Earnings VS Forward Price EarningsCCRD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

87.63% of the companies in the same industry are more expensive than CCRD, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, CCRD is valued a bit cheaper than the industry average as 63.25% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 43.44
EV/EBITDA 13.78
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.
CCRD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.63
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 (5/23/2025, 9:19:05 PM)

25.7

+0.23 (+0.9%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners40.51%
Inst Owner ChangeN/A
Ins Owners27.87%
Ins Owner Change-0.01%
Market Cap200.20M
Analysts43.33
Price Target21.42 (-16.65%)
Short Float %1.11%
Short Ratio3.02
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)31.25%
EPS NQ rev (1m)3.85%
EPS NQ rev (3m)N/A
EPS NY rev (1m)19.57%
EPS NY rev (3m)19.57%
Revenue NQ rev (1m)6.13%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)6.86%
Revenue NY rev (3m)5.16%
Valuation
Industry RankSector Rank
PE 25.45
Fwd PE 22.91
P/S 3.28
P/FCF 43.44
P/OCF 20.33
P/B 3.7
P/tB 3.7
EV/EBITDA 13.78
EPS(TTM)1.01
EY3.93%
EPS(NY)1.12
Fwd EY4.37%
FCF(TTM)0.59
FCFY2.3%
OCF(TTM)1.26
OCFY4.92%
SpS7.83
BVpS6.94
TBVpS6.94
PEG (NY)0.63
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 15.02
F-Score9
WACC11.05%
ROIC/WACC1.1
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%