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CORECARD CORP (CCRD) Stock Fundamental Analysis

USA - NYSE:CCRD - US45816D1000 - Common Stock

27.49 USD
+0.75 (+2.8%)
Last: 9/18/2025, 3:32:53 PM
Fundamental Rating

6

Overall CCRD gets a fundamental rating of 6 out of 10. We evaluated CCRD against 280 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 decent growth rate and is not valued too expensively.


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.
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 87.86% of the companies in the same industry.
The Return On Equity of CCRD (14.23%) is better than 81.79% of its industry peers.
With an excellent Return On Invested Capital value of 13.25%, CCRD belongs to the best of the industry, outperforming 90.36% 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 11.85%.
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 better Profit Margin (12.36%) than 74.64% 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 81.79% of its industry peers.
In the last couple of years the Operating Margin of CCRD has declined.
Looking at the Gross Margin, with a value of 45.41%, CCRD is doing worse than 71.43% of the companies in the same industry.
CCRD's Gross Margin has declined in the last couple of years.
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.
Compared to 1 year ago, CCRD has less shares outstanding
Compared to 5 years ago, CCRD has less shares outstanding
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

CCRD has an Altman-Z score of 11.84. This indicates that CCRD is financially healthy and has little risk of bankruptcy at the moment.
CCRD has a better Altman-Z score (11.84) than 88.93% 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 11.84
ROIC/WACC1.2
WACC11%
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.
With an excellent Current ratio value of 4.29, CCRD belongs to the best of the industry, outperforming 85.36% of the companies in the same industry.
A Quick Ratio of 4.29 indicates that CCRD has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.29, CCRD belongs to the top of the industry, outperforming 85.36% of the companies in the same industry.
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.
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.
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

CCRD is valuated rather expensively with a Price/Earnings ratio of 23.50.
CCRD's Price/Earnings ratio is a bit cheaper when compared to the industry. CCRD is cheaper than 73.21% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, CCRD is valued at the same level.
The Price/Forward Earnings ratio is 24.50, which indicates a rather expensive current valuation of CCRD.
70.36% of the companies in the same industry are more expensive than CCRD, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, CCRD is valued at the same level.
Industry RankSector Rank
PE 23.5
Fwd PE 24.5
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

87.50% of the companies in the same industry are more expensive than CCRD, based on the Enterprise Value to EBITDA ratio.
78.93% of the companies in the same industry are more expensive than CCRD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 24.02
EV/EBITDA 12.55
CCRD Per share dataCCRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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)0.58
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 (9/18/2025, 3:32:53 PM)

27.49

+0.75 (+2.8%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-14 2025-08-14/bmo
Earnings (Next)10-29 2025-10-29
Inst Owners41.42%
Inst Owner ChangeN/A
Ins Owners29.06%
Ins Owner Change0.21%
Market Cap214.15M
Analysts43.33
Price Target21.42 (-22.08%)
Short Float %5.52%
Short Ratio3.7
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 23.5
Fwd PE 24.5
P/S 3.3
P/FCF 24.02
P/OCF 15.11
P/B 3.8
P/tB 3.8
EV/EBITDA 12.55
EPS(TTM)1.17
EY4.26%
EPS(NY)1.12
Fwd EY4.08%
FCF(TTM)1.14
FCFY4.16%
OCF(TTM)1.82
OCFY6.62%
SpS8.32
BVpS7.23
TBVpS7.23
PEG (NY)0.58
PEG (5Y)N/A
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%
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-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 11.84
F-Score8
WACC11%
ROIC/WACC1.2
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%