CORECARD CORP (CCRD) Fundamental Analysis & Valuation

NYSE:CCRD • US45816D1000

Current stock price

23.6 USD
-0.72 (-2.96%)
At close:
23.5 USD
-0.1 (-0.42%)
After Hours:

This CCRD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CCRD Profitability Analysis

1.1 Basic Checks

  • In the past year CCRD was profitable.
  • In the past year CCRD had a positive cash flow from operations.
  • Each year in the past 5 years CCRD has been profitable.
  • 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 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 11.30%, CCRD belongs to the best of the industry, outperforming 88.07% of the companies in the same industry.
  • The Return On Equity of CCRD (14.23%) is better than 81.75% of its industry peers.
  • With an excellent Return On Invested Capital value of 13.25%, CCRD belongs to the best of the industry, outperforming 90.18% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CCRD is above the industry average of 10.99%.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

  • With a decent Profit Margin value of 12.36%, CCRD is doing good in the industry, outperforming 73.68% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CCRD has declined.
  • Looking at the Operating Margin, with a value of 15.96%, CCRD belongs to the top of the industry, outperforming 82.81% of the companies in the same industry.
  • CCRD's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 45.41%, CCRD is not doing good in the industry: 70.18% of the companies in the same industry are doing better.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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10

2. CCRD Health Analysis

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.
  • CCRD has less shares outstanding than it did 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 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 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 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.
  • CCRD has a Current ratio of 4.29. This is amongst the best in the industry. CCRD outperforms 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.
  • The Quick ratio of CCRD (4.29) is better than 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CCRD Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 216.22% 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 23.61% in the past year. This is a very strong growth!
  • 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 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. CCRD Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 20.17, CCRD is valued on the expensive side.
  • CCRD's Price/Earnings ratio is a bit cheaper when compared to the industry. CCRD is cheaper than 75.09% of the companies in the same industry.
  • CCRD is valuated rather cheaply when we compare the Price/Earnings ratio to 26.78, which is the current average of the S&P500 Index.
  • 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 the industry average as 70.88% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of CCRD to the average of the S&P500 Index (23.54), we can say CCRD is valued inline with the index average.
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

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CCRD is valued cheaper than 88.42% of the companies in the same industry.
  • CCRD's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CCRD is cheaper than 79.30% of the companies 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.
  • 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CCRD Dividend Analysis

5.1 Amount

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

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CCRD Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)02-18
Inst Owners44.04%
Inst Owner Change0%
Ins Owners29.03%
Ins Owner Change-161.9%
Market Cap183.84M
Revenue(TTM)64.81M
Net Income(TTM)8.01M
Analysts43.33
Price Target21.42 (-9.24%)
Short Float %N/A
Short RatioN/A
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 Fundamental Analysis FAQ

What is the fundamental rating for CCRD stock?

ChartMill assigns a fundamental rating of 6 / 10 to CCRD.


What is the valuation status for CCRD stock?

ChartMill assigns a valuation rating of 6 / 10 to CORECARD CORP (CCRD). This can be considered as Fairly Valued.


How profitable is CORECARD CORP (CCRD) stock?

CORECARD CORP (CCRD) has a profitability rating of 6 / 10.


What is the valuation of CORECARD CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CORECARD CORP (CCRD) is 20.17 and the Price/Book (PB) ratio is 3.26.


Can you provide the expected EPS growth for CCRD stock?

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