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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

We assign a fundamental rating of 6 out of 10 to CCRD. CCRD was compared to 284 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year CCRD was profitable.
In the past year CCRD had a positive cash flow from operations.
CCRD had positive earnings in each of the past 5 years.
In the past 5 years CCRD always reported a positive cash flow from operatings.
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 (11.30%) than 87.68% of its industry peers.
The Return On Equity of CCRD (14.23%) is better than 81.34% of its industry peers.
CCRD has a better Return On Invested Capital (13.25%) than 90.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CCRD is above the industry average of 11.85%.
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 Profit Margin of 12.36%. This is in the better half of the industry: CCRD outperforms 73.59% of its industry peers.
CCRD's Profit Margin has declined in the last couple of years.
The Operating Margin of CCRD (15.96%) is better than 82.75% 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 70.07% 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

CCRD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for CCRD has been reduced compared to 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

An Altman-Z score of 10.83 indicates that CCRD is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 10.83, CCRD belongs to the best of the industry, outperforming 87.68% of the companies in the same industry.
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 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 85.21% of its industry peers.
A Quick Ratio of 4.29 indicates that CCRD has no problem at all paying its short term obligations.
CCRD has a Quick ratio of 4.29. This is amongst the best in the industry. CCRD outperforms 85.21% 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.
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.
CCRD shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.61%.
The Revenue has been growing by 10.85% on average over the past years. This is quite good.
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

Based on the Price/Earnings ratio of 20.17, the valuation of CCRD can be described as rather expensive.
75.35% of the companies in the same industry are more expensive than CCRD, based on the Price/Earnings ratio.
CCRD's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.83.
CCRD is valuated rather expensively with a Price/Forward Earnings ratio of 21.03.
71.13% 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 32.68, CCRD is valued a bit cheaper.
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 50

4.2 Price Multiples

88.38% of the companies in the same industry are more expensive than CCRD, based on the Enterprise Value to EBITDA ratio.
79.23% 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 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.
The decent profitability rating of CCRD 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.