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CORECARD CORP (CCRD) Stock Fundamental Analysis

NYSE:CCRD - New York Stock Exchange, Inc. - US45816D1000 - Common Stock - Currency: USD

20.69  -0.26 (-1.24%)

After market: 20.69 0 (0%)

Fundamental Rating

6

Overall CCRD gets a fundamental rating of 6 out of 10. We evaluated CCRD against 283 industry peers in the Software industry. Both the health and profitability get an excellent rating, making CCRD a very profitable company, without any liquidiy or solvency issues. CCRD has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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7

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.
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

The Return On Assets of CCRD (8.74%) is better than 85.16% of its industry peers.
CCRD's Return On Equity of 10.54% is amongst the best of the industry. CCRD outperforms 80.92% of its industry peers.
Looking at the Return On Invested Capital, with a value of 9.38%, CCRD belongs to the top of the industry, outperforming 85.16% 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 10.81%.
The last Return On Invested Capital (9.38%) for CCRD is well below the 3 year average (15.06%), which needs to be investigated, but indicates that CCRD had better years and this may not be a problem.
Industry RankSector Rank
ROA 8.74%
ROE 10.54%
ROIC 9.38%
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 (9.49%) than 75.97% of its industry peers.
In the last couple of years the Profit Margin of CCRD has declined.
CCRD's Operating Margin of 11.41% is fine compared to the rest of the industry. CCRD outperforms 79.86% of its industry peers.
CCRD's Operating Margin has declined in the last couple of years.
The Gross Margin of CCRD (39.08%) is worse than 76.33% of its industry peers.
CCRD's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.41%
PM (TTM) 9.49%
GM 39.08%
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.
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 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 12.35. This indicates that CCRD is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of CCRD (12.35) is better than 90.11% 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 12.35
ROIC/WACC0.67
WACC13.94%
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 4.75 indicates that CCRD has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.75, CCRD belongs to the top of the industry, outperforming 86.93% of the companies in the same industry.
CCRD has a Quick Ratio of 4.75. This indicates that CCRD is financially healthy and has no problem in meeting its short term obligations.
CCRD has a better Quick ratio (4.75) than 86.93% of its industry peers.
Industry RankSector Rank
Current Ratio 4.75
Quick Ratio 4.75
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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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 53.85% over the past year.
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 small growth in Revenue. In the last year, the Revenue has grown by 2.49%.
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)53.85%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%366.67%
Revenue 1Y (TTM)2.49%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%21.93%

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 Y17.3%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.4%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 25.86 indicates a quite expensive valuation of CCRD.
Based on the Price/Earnings ratio, CCRD is valued a bit cheaper than 73.14% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. CCRD is around the same levels.
The Price/Forward Earnings ratio is 22.05, 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 77.03% of the companies are valued more expensively.
CCRD's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 25.86
Fwd PE 22.05
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

Based on the Enterprise Value to EBITDA ratio, CCRD is valued cheaply inside the industry as 89.40% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCRD is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 180.49
EV/EBITDA 12.94
CCRD Per share dataCCRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CCRD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.49
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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CORECARD CORP

NYSE:CCRD (3/7/2025, 8:10:48 PM)

After market: 20.69 0 (0%)

20.69

-0.26 (-1.24%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-20 2025-02-20/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners40.51%
Inst Owner ChangeN/A
Ins Owners27.87%
Ins Owner Change0.3%
Market Cap161.18M
Analysts43.33
Price Target21.42 (3.53%)
Short Float %1.23%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.35
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)139.01%
Min EPS beat(2)73.01%
Max EPS beat(2)205.01%
EPS beat(4)4
Avg EPS beat(4)157.81%
Min EPS beat(4)73.01%
Max EPS beat(4)243.14%
EPS beat(8)7
Avg EPS beat(8)148.92%
EPS beat(12)9
Avg EPS beat(12)99.42%
EPS beat(16)13
Avg EPS beat(16)85.97%
Revenue beat(2)2
Avg Revenue beat(2)13.44%
Min Revenue beat(2)8.45%
Max Revenue beat(2)18.42%
Revenue beat(4)4
Avg Revenue beat(4)11.31%
Min Revenue beat(4)6.83%
Max Revenue beat(4)18.42%
Revenue beat(8)5
Avg Revenue beat(8)4.71%
Revenue beat(12)9
Avg Revenue beat(12)7.49%
Revenue beat(16)13
Avg Revenue beat(16)10.83%
PT rev (1m)31.25%
PT rev (3m)31.25%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.59%
Revenue NY rev (3m)-1.59%
Valuation
Industry RankSector Rank
PE 25.86
Fwd PE 22.05
P/S 2.81
P/FCF 180.49
P/OCF 27.78
P/B 3.12
P/tB 3.12
EV/EBITDA 12.94
EPS(TTM)0.8
EY3.87%
EPS(NY)0.94
Fwd EY4.54%
FCF(TTM)0.11
FCFY0.55%
OCF(TTM)0.74
OCFY3.6%
SpS7.37
BVpS6.64
TBVpS6.64
PEG (NY)1.49
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 8.74%
ROE 10.54%
ROCE 12.16%
ROIC 9.38%
ROICexc 17.44%
ROICexgc 17.44%
OM 11.41%
PM (TTM) 9.49%
GM 39.08%
FCFM 1.56%
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-Score9
Asset Turnover0.92
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 137.63%
Cap/Sales 8.55%
Interest Coverage 250
Cash Conversion 57.34%
Profit Quality 16.39%
Current Ratio 4.75
Quick Ratio 4.75
Altman-Z 12.35
F-Score9
WACC13.94%
ROIC/WACC0.67
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)53.85%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%366.67%
EPS Next Y17.3%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.49%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%21.93%
Revenue Next Year10.4%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y23.47%
EBIT growth 3Y-15.78%
EBIT growth 5Y-12.25%
EBIT Next Year181.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-92.28%
FCF growth 3Y-33.89%
FCF growth 5Y-36.88%
OCF growth 1Y-65.49%
OCF growth 3Y-13.36%
OCF growth 5Y-11.34%