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CORECARD CORP (CCRD) Stock Fundamental Analysis

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

28.97  +0.79 (+2.8%)

After market: 28.97 0 (0%)

Fundamental Rating

6

Overall CCRD gets a fundamental rating of 6 out of 10. We evaluated CCRD against 282 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 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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6

1. Profitability

1.1 Basic Checks

CCRD had positive earnings in the past year.
CCRD had a positive operating cash flow in the past year.
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

Looking at the Return On Assets, with a value of 10.75%, CCRD belongs to the top of the industry, outperforming 87.59% of the companies in the same industry.
The Return On Equity of CCRD (12.81%) is better than 80.14% of its industry peers.
CCRD has a better Return On Invested Capital (12.16%) than 89.01% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CCRD is above the industry average of 12.26%.
Industry RankSector Rank
ROA 10.75%
ROE 12.81%
ROIC 12.16%
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

The Profit Margin of CCRD (11.35%) is better than 77.31% of its industry peers.
In the last couple of years the Profit Margin of CCRD has declined.
CCRD has a Operating Margin of 14.47%. This is amongst the best in the industry. CCRD outperforms 81.91% of its industry peers.
CCRD's Operating Margin has declined in the last couple of years.
CCRD's Gross Margin of 42.94% is on the low side compared to the rest of the industry. CCRD is outperformed by 73.05% of its industry peers.
In the last couple of years the Gross Margin of CCRD has declined.
Industry RankSector Rank
OM 14.47%
PM (TTM) 11.35%
GM 42.94%
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.
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

CCRD has an Altman-Z score of 16.14. This indicates that CCRD is financially healthy and has little risk of bankruptcy at the moment.
CCRD's Altman-Z score of 16.14 is amongst the best of the industry. CCRD outperforms 92.55% 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 16.14
ROIC/WACC1.36
WACC8.93%
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

CCRD has a Current Ratio of 4.96. This indicates that CCRD is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of CCRD (4.96) is better than 88.30% of its industry peers.
A Quick Ratio of 4.96 indicates that CCRD has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.96, CCRD belongs to the top of the industry, outperforming 88.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.96
Quick Ratio 4.96
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

CCRD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 129.55%, which is quite impressive.
The earnings per share for CCRD have been decreasing by -11.33% on average. This is quite bad
The Revenue has grown by 12.31% in the past year. This is quite good.
CCRD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.85% yearly.
EPS 1Y (TTM)129.55%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%300%
Revenue 1Y (TTM)12.31%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.62%

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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 28.68, CCRD can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of CCRD indicates a somewhat cheap valuation: CCRD is cheaper than 72.34% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CCRD to the average of the S&P500 Index (27.15), we can say CCRD is valued inline with the index average.
The Price/Forward Earnings ratio is 25.82, which means the current valuation is very expensive for CCRD.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCRD indicates a somewhat cheap valuation: CCRD is cheaper than 69.50% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.60, CCRD is valued at the same level.
Industry RankSector Rank
PE 28.68
Fwd PE 25.82
CCRD Price Earnings VS Forward Price EarningsCCRD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CCRD is valued cheaper than 85.46% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CCRD is valued a bit cheaper than 62.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 48.96
EV/EBITDA 15.38
CCRD Per share dataCCRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
CCRD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.71
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 (6/30/2025, 8:04:00 PM)

After market: 28.97 0 (0%)

28.97

+0.79 (+2.8%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners40.88%
Inst Owner ChangeN/A
Ins Owners29.06%
Ins Owner Change0.21%
Market Cap225.68M
Analysts43.33
Price Target21.42 (-26.06%)
Short Float %1.27%
Short Ratio1.89
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)138.29%
Min EPS beat(2)71.57%
Max EPS beat(2)205.01%
EPS beat(4)4
Avg EPS beat(4)114.92%
Min EPS beat(4)71.57%
Max EPS beat(4)205.01%
EPS beat(8)7
Avg EPS beat(8)147.39%
EPS beat(12)9
Avg EPS beat(12)103.57%
EPS beat(16)13
Avg EPS beat(16)90.01%
Revenue beat(2)2
Avg Revenue beat(2)10.26%
Min Revenue beat(2)8.45%
Max Revenue beat(2)12.06%
Revenue beat(4)4
Avg Revenue beat(4)12.62%
Min Revenue beat(4)8.45%
Max Revenue beat(4)18.42%
Revenue beat(8)5
Avg Revenue beat(8)5.41%
Revenue beat(12)9
Avg Revenue beat(12)6.26%
Revenue beat(16)13
Avg Revenue beat(16)11.22%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.85%
EPS NY rev (1m)0%
EPS NY rev (3m)19.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.86%
Valuation
Industry RankSector Rank
PE 28.68
Fwd PE 25.82
P/S 3.7
P/FCF 48.96
P/OCF 22.91
P/B 4.17
P/tB 4.17
EV/EBITDA 15.38
EPS(TTM)1.01
EY3.49%
EPS(NY)1.12
Fwd EY3.87%
FCF(TTM)0.59
FCFY2.04%
OCF(TTM)1.26
OCFY4.36%
SpS7.83
BVpS6.94
TBVpS6.94
PEG (NY)0.71
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 10.75%
ROE 12.81%
ROCE 15.75%
ROIC 12.16%
ROICexc 23.99%
ROICexgc 23.99%
OM 14.47%
PM (TTM) 11.35%
GM 42.94%
FCFM 7.55%
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 Turnover0.95
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 159.46%
Cap/Sales 8.59%
Interest Coverage 250
Cash Conversion 81.29%
Profit Quality 66.57%
Current Ratio 4.96
Quick Ratio 4.96
Altman-Z 16.14
F-Score9
WACC8.93%
ROIC/WACC1.36
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)129.55%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%300%
EPS Next Y40.25%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.31%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.62%
Revenue Next Year17.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y120.09%
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-5.36%
FCF growth 3Y-33.89%
FCF growth 5Y-36.88%
OCF growth 1Y-21.21%
OCF growth 3Y-13.36%
OCF growth 5Y-11.34%