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CoreCard Corporation (CCRD)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 34 | 36 | 48 | 70 | 56 | 57 | 65 |
| Operating profit | $m | 7 | 10 | |||||
| Net profit | $m | 11 | 8 | 9 | 14 | 3 | 5 | 8 |
| EPS reported | $ | 0.67 | 0.99 | |||||
| Operating cashflow per share | $ | 0.72 | 0.72 | |||||
| Capex per share | $ | 0.61 | 0.61 | |||||
| FCF per share | $ | 0.11 | 0.11 | |||||
| Free cash flow | $m | 1 | 9 | |||||
| Net debt | $m | -25 | -32 | |||||
| Book value equity | $m | 52 | 56 | |||||
| Book value per share | $ | 6.35 | 6.94 | |||||
| Number of shares | m | 8.15 | 8.12 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 33.88 | - | |||||
| P/B LTM | x | 3.52 | 3.27 | |||||
| P/S LTM | x | 3.17 | 2.84 | |||||
| P/FCF LTM | x | 204.05 | 20.63 | |||||
| EV/EBITDA LTM | x | 16.28 | 11.18 | |||||
| EV/Sales LTM | x | 2.87 | 2.34 | |||||
| Earnings Yield LTM | % | 2.95% | 2.88% | |||||
| FCF Yield | % | 0.49% | 4.85% | |||||
| Quality | ||||||||
| ROE | % | 10.54% | 10.44% | |||||
| ROIC | % | 9.58% | 9.58% | |||||
| Operating margin | % | 11.39% | 11.39% | |||||
| Gross margin | % | 37.68% | 37.68% | |||||
| FCF/Sales | % | 1.56% | 1.56% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +67.50% | +410.84% | |||||
| Sales Growth YoY | % | +2.49% | +23.61% | |||||
| Net Income Growth YoY | % | +60.47% | +403.90% | |||||
| FCF Growth | % | -92.28% | - | |||||
| Operating Profit Growth | % | +23.12% | +315.94% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | 0.49 | 2.62 | |||||
| Net Debt/EBITDA | x | -1.75 | -1.75 | |||||
| EBIT/Net interest | x | 0.00 | 0.00 | |||||
| Net debt/market cap | % | -13.66% | -17.54% | |||||
| Net debt/Equity | x | -0.48 | -0.57 | |||||
| Gross debt/equity | x | 0.04 | 0.06 | |||||
Company overview
CoreCard Corporation (CCRD) provides specialized technological platforms and processing capabilities for the financial technology and services industry, operating across the United States, the European Union, and the Middle East. The company architects, develops, and distributes a comprehensive software portfolio tailored for a diverse client base. This includes financial institutions, retailers, payment processors, program managers, and entities managing accounts receivable. Their solutions empower these organizations to manage an extensive array of financial products, such as various credit and debit cards, prepaid and private label cards, fleet cards, buy-now-pay-later (BNPL) offerings, customer loyalty programs, and both accounts receivable and loan transactions. CoreCard's software enables businesses to launch and administer a wide range of transaction accounts and card issuance programs, encompassing both installment and revolving credit options. Its robust features allow for the setup and ongoing maintenance of account data, precise tracking of advances and payments, accurate assessment of fees, interest, and other charges, efficient resolution of disputes and chargebacks, systematic management of accounts receivable collections, generation of detailed reports, and seamless transaction settlement with financial institutions and network associations. Initially established in 1973, the company previously operated under the name Intelligent Systems Corporation until its rebranding to CoreCard Corporation in December 2021. Its corporate headquarters are located in Norcross, Georgia.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
CoreCard Corporation (CCRD)
CoreCard Corporation (CCRD) provides specialized technological platforms and processing capabilities for the financial technology and services industry, operating across the United States, the European Union, and the Middle East. The company architects, develops, and distributes a comprehensive software portfolio tailored for a diverse client base. This includes financial institutions, retailers, payment processors, program managers, and entities managing accounts receivable. Their solutions empower these organizations to manage an extensive array of financial products, such as various credit and debit cards, prepaid and private label cards, fleet cards, buy-now-pay-later (BNPL) offerings, customer loyalty programs, and both accounts receivable and loan transactions. CoreCard's software enables businesses to launch and administer a wide range of transaction accounts and card issuance programs, encompassing both installment and revolving credit options. Its robust features allow for the setup and ongoing maintenance of account data, precise tracking of advances and payments, accurate assessment of fees, interest, and other charges, efficient resolution of disputes and chargebacks, systematic management of accounts receivable collections, generation of detailed reports, and seamless transaction settlement with financial institutions and network associations. Initially established in 1973, the company previously operated under the name Intelligent Systems Corporation until its rebranding to CoreCard Corporation in December 2021. Its corporate headquarters are located in Norcross, Georgia.
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