CCRD - CoreCard Corporation Stock Price, Fair Value and News

11.85USD-0.30 (-2.47%)Market Closed

Market Summary

USD11.85-0.30

Market Closed

-2.47%

CCRD Stock Price

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CCRD RSI Chart

CCRD Valuation

Market Cap

98.3M

Price/Earnings (Trailing)

28.95

Price/Sales (Trailing)

1.76

EV/EBITDA

6.64

Price/Free Cashflow

8.5

CCRD Price/Sales (Trailing)

CCRD Profitability

Operating Margin

34.70%

EBT Margin

8.03%

Return on Equity

6.44%

Return on Assets

5.32%

Free Cashflow Yield

11.76%

CCRD Fundamentals

CCRD Revenue

Revenue (TTM)

56.0M

Rev. Growth (Yr)

-23.18%

Rev. Growth (Qtr)

-9.27%

CCRD Earnings

Earnings (TTM)

3.4M

Earnings Growth (Yr)

-51.2%

Earnings Growth (Qtr)

318.92%

Breaking Down CCRD Revenue

Last 7 days

-0.2%

Last 30 days

7.5%

Last 90 days

-1.7%

How does CCRD drawdown profile look like?

CCRD Financial Health

Current Ratio

4.66

CCRD Investor Care

Buy Backs (1Y)

2.44%

Diluted EPS (TTM)

0.4

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	60.2M	60.7M	59.7M	56.0M
2022	63.6M	65.5M	67.0M	69.8M
2021	36.9M	42.2M	44.8M	48.2M
2020	35.2M	35.8M	36.6M	35.9M
2019	23.0M	25.9M	30.1M	34.3M
2018	11.5M	13.0M	16.6M	20.1M
2017	8.2M	9.8M	9.0M	9.2M
2016	5.4M	5.7M	7.1M	8.2M
2015	4.2M	4.4M	4.5M	4.8M
2014	13.3M	10.1M	6.7M	4.2M
2013	16.5M	16.7M	17.2M	16.3M
2012	16.9M	16.7M	15.9M	16.5M
2011	15.7M	15.9M	16.1M	16.3M
2010	0	0	0	15.4M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of CoreCard Corporation

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 16, 2024	moise philip h	gifted	-	-	-200	-
Mar 12, 2024	moise philip h	gifted	-	-	-270	-
Feb 26, 2024	moise philip h	gifted	-	-	-170	-
Feb 16, 2024	white matthew a	bought	42,280	10.57	4,000	cfo and corporate secretary
Feb 16, 2024	strange j leland	bought	75,837	10.8	7,022	president & ceo
Feb 12, 2024	white matthew a	acquired	105,869	13.03	8,125	cfo and corporate secretary
Feb 12, 2024	strange j leland	acquired	105,869	13.03	8,125	president & ceo
Dec 13, 2023	moise philip h	gifted	-	-	-462	-
Nov 14, 2023	strange j leland	bought	26,266	15.89	1,653	president & ceo
Nov 13, 2023	strange j leland	bought	47,324	14.91	3,174	president & ceo

Which funds bought or sold CCRD recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	MONARCH CAPITAL MANAGEMENT INC/	added	2.68	-222,150	1,014,670	0.29%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-2.57	-145,901	512,642	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-76.22	-11,000	3,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	sold off	-100	-77,040	-	-%
Apr 22, 2024	INVESTORS ASSET MANAGEMENT OF GEORGIA INC /GA/ /ADV	added	0.19	-917,197	3,379,990	1.59%
Apr 19, 2024	DENALI ADVISORS LLC	unchanged	-	-48,503	192,789	0.06%
Apr 18, 2024	Allspring Global Investments Holdings, LLC	reduced	-10.29	-45,454	115,042	-%
Apr 17, 2024	Hennion & Walsh Asset Management, Inc.	sold off	-100	-142,020	-	-%
Apr 16, 2024	Financial Management Professionals, Inc.	sold off	-100	-11,000	-	-%
Apr 09, 2024	ADIRONDACK TRUST CO	unchanged	-	-453	2,928	-%

Are Funds Buying or Selling CCRD?

Are funds buying CCRD calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CCRD

No. of Funds

Unveiling CoreCard Corporation's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	5.36%	452,268	SC 13G
Feb 12, 2024	janus henderson group plc	2.5%	211,991	SC 13G/A
Jan 31, 2024	blackrock inc.	5.2%	439,298	SC 13G
Jan 10, 2024	weitz investment management, inc.	6.04%	510,000	SC 13G/A

Recent SEC filings of CoreCard Corporation

View All Filings

Date Filed	Form Type	Document
Apr 17, 2024	ARS	ARS
Apr 16, 2024	4	Insider Trading
Apr 12, 2024	DEF 14A	DEF 14A
Mar 13, 2024	4	Insider Trading
Mar 12, 2024	3	Insider Trading
Mar 01, 2024	10-K	Annual Report
Feb 26, 2024	4	Insider Trading
Feb 20, 2024	4	Insider Trading
Feb 20, 2024	4	Insider Trading
Feb 14, 2024	8-K	Current Report

Peers (Alternatives to CoreCard Corporation)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
CRM	266.0B	34.9B	-9.03%	39.93%	64.3	7.63	11.18%	1888.46%
UBER	143.4B	37.3B	-11.61%	132.46%	75.97	3.85	16.95%	120.64%
ADSK	46.6B	5.3B	-16.46%	14.68%	50.86	8.72	9.15%	48.14%
ANSS	29.1B	2.3B	-3.99%	6.05%	58.09	12.81	9.90%	-4.45%
ZM	18.6B	4.5B	-6.92%	1.17%	29.26	4.12	3.06%	514.65%
MID-CAP
APPF	8.8B	671.8M	-1.98%	88.41%	114.56	13.04	33.64%	185.98%
LYFT	6.3B	4.4B	-15.97%	60.49%	-18.54	1.43	7.53%	78.52%
AYX	3.4B	970.0M	0.90%	-15.87%	-19.13	3.53	13.46%	43.89%
ALRM	3.3B	881.7M	-9.49%	39.17%	41.04	3.74	4.64%	44.42%
AI	2.8B	296.4M	-16.25%	29.79%	-10.12	9.28	11.14%	-3.59%
AGYS	2.3B	228.1M	0.58%	5.99%	25.98	9.94	18.99%	599.09%
SMALL-CAP
AVID	1.2B	413.5M	0.63%	-1.64%	92.02	2.88	-1.65%	-71.35%
APPS	185.7M	572.4M	-30.27%	-84.96%	-0.94	0.32	-19.38%	-489.49%
ASUR	185.6M	119.1M	-7.97%	-44.92%	-20.14	1.56	24.27%	36.31%
AEYE	167.1M	31.3M	39.41%	131.23%	-28.46	5.34	4.69%	43.72%

CoreCard Corporation News

Latest updates

CoreCard Corporation Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	-9.3%	12,157	13,399	15,692	14,756	15,825	14,450	15,206	24,284	13,046	12,935	13,355	8,912	9,623	10,304	8,053	7,893	10,303	9,522	7,512	6,966	6,054
Cost Of Revenue	-11.7%	8,192	9,279	9,296	9,804	8,840	8,431	7,937	7,456	6,811	6,104	5,558	4,429	4,010	4,217	3,694	3,506	3,314	3,012	2,899	2,534	2,416
S&GA Expenses	-3.5%	1,114	1,155	1,516	1,549	1,065	1,107	1,255	1,685	1,360	1,069	1,241	880	1,168	936	704	1,058	1,101	700	1,100	594	469
R&D Expenses	-4.2%	2,384	2,489	2,092	1,514	2,784	3,129	2,463	3,324	1,750	2,356	2,652	2,101	1,676	1,639	921	918	1,884	1,575	861	1,195	886
EBITDA Margin	-10.0%	0.19*	0.21*	0.24*	0.25*	0.35*	0.37*	0.40*	0.41*	0.32*	0.33*	0.35*	0.36*	0.36*	0.36*	0.38*	-	-	-	-	-	-
Income Taxes	298.6%	143	-72.00	618	413	796	443	899	3,017	455	902	1,000	367	872	653	525	418	167	1,103	618	659	-181
Earnings Before Taxes	313.9%	629	-294	2,493	1,669	1,792	1,802	3,755	11,687	3,115	3,436	3,805	1,407	2,991	3,448	2,725	1,465	3,864	4,195	2,726	2,731	2,246
EBT Margin	-15.3%	0.08*	0.09*	0.13*	0.15*	0.27*	0.30*	0.34*	0.35*	0.24*	0.26*	0.28*	0.29*	0.30*	0.31*	0.34*	-	-	-	-	-	-
Net Income	318.9%	486	-222	1,875	1,256	996	1,359	2,856	8,670	2,660	2,534	2,805	1,040	2,119	2,795	2,200	1,047	3,697	3,092	2,108	2,072	2,427
Net Income Margin	-7.4%	0.06*	0.07*	0.09*	0.11*	0.20*	0.23*	0.26*	0.26*	0.19*	0.19*	0.21*	0.22*	0.23*	0.27*	0.28*	-	-	-	-	-	-
Free Cashflow	-180.1%	-1,842	2,299	9,788	1,320	-2,196	7,727	-1,978	-2,424	9,880	-4,183	1,615	-3,822	5,080	2,064	1,793	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-4.4%	64.00	67.00	66.00	65.00	63.00	64.00	64.00	70.00	58.00	54.00	53.00	54.00	57.00	55.00	54.00	50.00	44.00	40.00	36.00	34.00	29.00
Current Assets	-8.3%	44.00	49.00	46.00	44.00	42.00	40.00	40.00	46.00	37.00	37.00	35.00	37.00	42.00	40.00	43.00	40.00	36.00	31.00	27.00	27.00	25.00
Cash Equivalents	-14.9%	27.00	32.00	31.00	22.00	20.00	27.00	22.00	25.00	29.00	21.00	26.00	31.00	38.00	34.00	32.00	31.00	26.00	24.00	22.00	22.00	19.00
Net PPE	-3.1%	11.00	12.00	12.00	12.00	12.00	13.00	13.00	12.00	10.00	7.00	8.00	8.00	7.00	7.00	4.00	2.00	2.00	2.00	3.00	1.00	2.00
Current Liabilities	-6.8%	10.00	10.00	8.00	8.00	8.00	8.00	9.00	16.00	11.00	9.00	8.00	7.00	10.00	8.00	11.00	9.00	6.00	6.00	5.00	5.00	3.00
Shareholder's Equity	-2.9%	53.00	54.00	56.00	54.00	53.00	52.00	52.00	50.00	44.00	42.00	41.00	43.00	44.00	44.00	41.00	38.00	37.00	33.00	30.00	28.00	26.00
Retained Earnings	0.9%	56.00	56.00	56.00	54.00	53.00	52.00	51.00	48.00	39.00	36.00	34.00	31.00	30.00	28.00	25.00	23.00	22.00	18.00	15.00	13.00	11.00
Additional Paid-In Capital	0%	17.00	17.00	17.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	15.00	15.00	15.00	15.00	15.00
Accumulated Depreciation	-	20.00	-	-	-	14.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shares Outstanding	-1.7%	8.00	8.00	8.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	-	-	-	-	-	-	-
Float	-	-	-	182	-	-	-	177	-	-	-	224	-	-	-	208	-	-	-	151	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-146.1%	-1,442	3,131	12,173	2,948	-993	9,499	1,045	313	12,072	-3,562	2,731	-2,326	5,782	5,470	4,021	5,693	2,906	1,725	2,248	3,706	1,670
Share Based Compensation	-	-	-	-	-	50.00	-	150	10.00	32.00	-1,482	1,712	57.00	56.00	207	61.00	62.00	62.00	49.00	55.00	25.00	18.00
Cashflow From Investing	22.1%	-1,128	-1,448	-2,427	-1,602	-5,129	-2,705	-2,968	-2,682	-2,919	-566	-2,479	-2,028	-567	-3,406	-2,228	-1,539	-244	-32.00	-2,409	-612	-202
Cashflow From Financing	-95.1%	-2,125	-1,089	-	-	-293	-1,363	-1,347	-2,332	-427	-1,502	-5,047	-2,605	-	-	-	-	47.00	104	-	59.00	77.00
Buy Backs	95.1%	2,125	1,089	-	-	293	1,363	1,347	2,332	427	1,502	5,047	2,712	-	-	-	-	-	-	-	-	-

CCRD Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Revenue
Total net revenue	$ 56,004	$ 69,765
Cost of Revenue
Total cost of revenue	36,571	32,664
Expenses
Marketing	310	336
General and administrative	5,334	5,112
Development	8,478	11,700
Income from operations	5,311	19,953
Investment loss	(1,579)	(1,144)
Other income, net	765	226
Income before income taxes	4,497	19,035
Income tax expense	1,102	5,154
Net income	$ 3,395	$ 13,881
Earnings per share:
Basic (in dollars per share)	$ 0.4	$ 1.62
Diluted (in dollars per share)	$ 0.4	$ 1.61
Basic weighted average common shares outstanding (in shares)	8,457,714	8,574,019
Diluted weighted average common shares outstanding (in shares)	8,474,123	8,598,546
Service [Member]
Revenue
Total net revenue	$ 54,210	$ 53,688
Cost of Revenue
Total cost of revenue	36,571	32,664
Product [Member]
Revenue
Total net revenue	$ 1,794	$ 16,077

CCRD Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Current assets:
Cash and cash equivalents	$ 26,918	$ 20,399
Marketable securities	5,230	4,973
Accounts receivable, net	7,536	13,220
Other current assets	4,805	3,729
Total current assets	44,489	42,321
Investments	4,062	5,180
Property and equipment, at cost less accumulated depreciation	11,319	12,006
Other long-term assets	3,956	3,725
Total assets	63,826	63,232
Current liabilities
Accounts payable	1,557	2,011
Deferred revenue, current portion	2,310	1,094
Accrued payroll	2,172	1,888
Accrued expenses	971	525
Other current liabilities	2,530	2,025
Total current liabilities	9,540	7,543
Deferred revenue, net of current portion	265	473
Deferred tax liability		472
Long-term lease obligation	1,121	1,981
Other long-term liabilities	196
Total noncurrent liabilities	1,582	2,926
Stockholders' equity:
Common stock, $0.01 par value: Authorized shares - 20,000,000; Issued shares – 9,016,140 and 9,010,119 at December 31, 2023 and 2022, respectively; Outstanding shares – 8,295,408 and 8,502,735 at December 31, 2023 and 2022, respectively	90	90
Additional paid-in capital	16,621	16,471
Treasury stock, 720,732 and 507,384 shares as of December 31, 2023 and 2022, respectively, at cost	(20,359)	(16,662)
Accumulated other comprehensive loss	32	(61)
Accumulated income	56,320	52,925
Total stockholders’ equity	52,704	52,763
Total liabilities and stockholders’ equity	$ 63,826	$ 63,232

About CoreCard Corporation

CoreCard Corporation, together with its subsidiaries, offers technology solutions and processing services to the financial technology and services market in the United States, Europe, and the Middle East. It designs, develops, and markets a suite of software solutions to program managers, accounts receivable businesses, financial institutions, retailers, and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, buy now pay later programs, loyalty programs, and accounts receivable and loan transactions. The company's software solutions allow companies to offer various types of transacting account or card issuing program, as well as installment and revolving loans; set up and maintain account data; record advances and payments; assess fees, interests, and other charges; resolve disputes and chargebacks; manage collections of accounts receivable; generate reports; and settle transactions with financial institutions and network schemes. The company was formerly known as Intelligent Systems Corporation and changed its name to CoreCard Corporation in December 2021. CoreCard Corporation was founded in 1973 and is headquartered in Norcross, Georgia.

CEO	Mr. James Leland Strange
WEBSITE	corecard.com
INDUSTRY	Software - Apps
EMPLOYEES	1200

CoreCard Corporation Frequently Asked Questions

What is the ticker symbol for CoreCard Corporation? What does CCRD stand for in stocks?

CCRD is the stock ticker symbol of CoreCard Corporation. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of CoreCard Corporation (CCRD)?

As of Fri Apr 26 2024, market cap of CoreCard Corporation is 98.3 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CCRD stock?

You can check CCRD's fair value in chart for subscribers.

What is the fair value of CCRD stock?

You can check CCRD's fair value in chart for subscribers. The fair value of CoreCard Corporation is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of CoreCard Corporation is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CCRD so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is CoreCard Corporation a good stock to buy?

The fair value guage provides a quick view whether CCRD is over valued or under valued. Whether CoreCard Corporation is cheap or expensive depends on the assumptions which impact CoreCard Corporation's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CCRD.

What is CoreCard Corporation's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Apr 26 2024, CCRD's PE ratio (Price to Earnings) is 28.95 and Price to Sales (PS) ratio is 1.76. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CCRD PE ratio will change depending on the future growth rate expectations of investors.