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CORECARD CORP (CCRD) Stock Fundamental Analysis

USA - New York Stock Exchange - 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

Taking everything into account, CCRD scores 6 out of 10 in our fundamental rating. CCRD was compared to 281 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.


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.
Each year in the past 5 years CCRD has been profitable.
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 Return On Assets of 11.30%. This is amongst the best in the industry. CCRD outperforms 88.07% of its industry peers.
CCRD has a Return On Equity of 14.23%. This is amongst the best in the industry. CCRD outperforms 81.75% of its industry peers.
Looking at the Return On Invested Capital, with a value of 13.25%, CCRD belongs to the top of the industry, outperforming 90.18% 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 12.04%.
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's Profit Margin of 12.36% is fine compared to the rest of the industry. CCRD outperforms 73.68% of its industry peers.
CCRD's Profit Margin has declined in the last couple of years.
CCRD's Operating Margin of 15.96% is amongst the best of the industry. CCRD outperforms 82.81% of its industry peers.
In the last couple of years the Operating Margin of CCRD has declined.
CCRD has a worse Gross Margin (45.41%) than 70.18% of its industry peers.
In the last couple of years the Gross Margin of CCRD has declined.
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.
Compared to 1 year ago, CCRD has less shares outstanding
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.
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 87.37% 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 216.22% over the past year.
The earnings per share for CCRD have been decreasing by -11.33% on average. This is quite bad
CCRD shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.61%.
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 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

CCRD is valuated rather expensively with a Price/Earnings ratio of 20.17.
Based on the Price/Earnings ratio, CCRD is valued a bit cheaper than 75.09% of the companies in the same industry.
When comparing the Price/Earnings ratio of CCRD to the average of the S&P500 Index (25.45), we can say CCRD is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 21.03, the valuation of CCRD can be described as rather expensive.
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.
CCRD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 34.46.
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

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CCRD is valued cheaply inside the industry as 88.42% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, CCRD is valued a bit cheaper than the industry average as 79.30% of the companies are valued more expensively.
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

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

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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 %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 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.