CORECARD CORP (CCRD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CCRD - US45816D1000 - Common Stock
23.6 USD
-0.72 (-2.96%)
23.5 USD
-0.1 (-0.42%)
CCRD gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 276 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 correct valuation and a medium growth rate.
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.
- In the past 5 years CCRD has always been profitable.
- In the past 5 years CCRD always reported a positive cash flow from operatings.
1.2 Ratios
- CCRD's Return On Assets of 11.30% is amongst the best of the industry. CCRD outperforms 88.07% of its industry peers.
- CCRD's Return On Equity of 14.23% is amongst the best of the industry. CCRD outperforms 81.75% of its industry peers.
- CCRD has a better Return On Invested Capital (13.25%) than 90.18% of its industry peers.
- CCRD had an Average Return On Invested Capital over the past 3 years of 15.06%. This is above the industry average of 10.78%.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 12.36%, CCRD is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
- CCRD's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 15.96%, CCRD belongs to the best of the industry, outperforming 82.81% of the companies in the same industry.
- In the last couple of years the Operating Margin of CCRD has declined.
- 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.
- In the last couple of years the Gross Margin of CCRD has declined.
| Industry Rank | Sector 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%
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.
- CCRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 10.83 |
ROIC/WACC1.21
WACC10.99%
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 has a better Quick ratio (4.29) than 85.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.29 | ||
| Quick Ratio | 4.29 |
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.
- The earnings per share for CCRD have been decreasing by -11.33% on average. This is quite bad
- Looking at the last year, CCRD shows a very strong growth in Revenue. 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 20.17 indicates a rather expensive valuation of CCRD.
- 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 27.33, 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.
- 70.88% of the companies in the same industry are more expensive than CCRD, based on the Price/Forward Earnings ratio.
- CCRD is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.17 | ||
| Fwd PE | 21.03 |
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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.62 | ||
| EV/EBITDA | 10.75 |
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)0.5
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for CCRD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
23.6
-0.72 (-2.96%)
Chartmill FA Rating
GICS SectorInformation Technology
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-161.9%
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 for 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.
What is the financial health of CORECARD CORP (CCRD) stock?
The financial health rating of CORECARD CORP (CCRD) is 10 / 10.
What is the earnings growth outlook for CORECARD CORP?
The Earnings per Share (EPS) of CORECARD CORP (CCRD) is expected to grow by 40.25% in the next year.