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CoreCard Corp

Technology US CCRD

NoneUSD
0.00(0%)

Last update at 2025-12-04T20:08:14.886530Z

Day Range

--
LowHigh

52 Week Range

12.6235.48
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap121.03M
  • VolumeNone
  • P/E Ratio30.96
  • Dividend Yield1.32%
  • EBITDA15.15M
  • Revenue TTM59.67M
  • Revenue Per Share TTM7.03
  • Gross Profit TTM 37.88M
  • Diluted EPS TTM0.46

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 19.04M 11.76M 10.63M 13.52M 6.25M
Minority interest - - - - -
Net income 13.88M 9.04M 8.16M 10.97M 6.24M
Selling general administrative 5.11M 4.55M 3.87M 3.50M 1.83M
Selling and marketing expenses 0.34M 0.28M 0.13M 0.15M 0.26M
Gross profit 37.10M 25.35M 20.45M 22.54M 11.58M
Reconciled depreciation 5.70M 3.80M 2.14M 1.01M 0.61M
Ebit 15.40M 11.66M 10.63M 13.52M 6.25M
Ebitda 21.10M 11.76M 12.77M 14.53M 6.86M
Depreciation and amortization 5.70M 0.10M 2.14M 1.01M 0.61M
Non operating income net other -0.91800M 0.10M -0.66600M 0.13M 0.11M
Operating income 15.40M 11.66M 10.63M 13.52M 6.25M
Other operating expenses 49.81M 36.59M 24.58M 20.92M 13.96M
Interest expense 2.06M -0.10500M 0.43M 1.15M 0.26M
Tax provision 5.15M 2.72M 2.47M 2.55M 0.00400M
Interest income - - - - -
Net interest income - - - - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.15M 2.72M 2.47M 2.55M 0.00400M
Total revenue 69.77M 48.25M 35.87M 34.30M 20.10M
Total operating expenses 17.15M 13.69M 9.15M 9.16M 5.43M
Cost of revenue 32.66M 22.90M 15.43M 11.76M 8.52M
Total other income expense net 3.63M 0.10M -0.66600M 0.13M 0.11M
Discontinued operations - - - - -
Net income from continuing ops 13.88M 9.04M 8.16M 10.97M 6.24M
Net income applicable to common shares 13.88M 9.04M 8.16M 10.97M 6.24M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 63.23M 58.15M 57.02M 44.24M 29.30M
Intangible assets - - - - -
Earning assets - - - - -
Other current assets 3.73M 1.83M 1.26M 0.91M 1.20M
Total liab 10.47M 14.27M 12.87M 6.95M 3.38M
Total stockholder equity 52.76M 43.87M 44.15M 37.29M 25.92M
Deferred long term liab 0.94M 0.71M 0.82M 0.30M 0.11M
Other current liab 4.44M 5.83M 8.03M 5.10M 2.22M
Common stock 0.09M 0.09M 0.09M 0.09M 0.09M
Capital stock 0.09M 0.09M 0.09M 0.09M 0.09M
Retained earnings 52.92M 39.04M 30.00M 21.84M 10.88M
Other liab 0.94M 0.71M 0.82M 0.30M 0.11M
Good will - - - - -
Other assets 0.18M 4.58M 7.62M 1.96M 2.25M
Cash 20.40M 29.24M 37.96M 26.41M 18.92M
Cash and equivalents - - - - -
Total current liabilities 7.54M 10.85M 10.06M 6.19M 3.27M
Current deferred revenue 1.09M 2.26M 1.32M 0.69M 0.78M
Net debt -18.41800M -26.53600M -35.96200M -25.95500M -18.91900M
Short term debt - 3.55M 3.18M 3.76M 1.50M
Short long term debt - - - - -
Short long term debt total 1.98M 2.71M 1.99M 0.46M -
Other stockholder equity -0.19100M 4.93M 14.20M 15.45M 15.05M
Property plant equipment 12.01M 10.37M 6.91M 2.18M 1.51M
Total current assets 42.32M 36.84M 42.49M 36.08M 24.78M
Long term investments 5.18M 6.36M 1.92M 3.08M 0.76M
Net tangible assets 52.76M 43.87M 44.15M 37.29M 25.92M
Short term investments 4.97M - 1.92M - 0.35M
Net receivables 13.22M 5.77M 3.27M 8.76M 4.31M
Long term debt - - - - -
Inventory - - - - -
Accounts payable 2.01M 2.76M 0.71M 0.40M 0.27M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -0.06100M -0.19400M -0.14000M -0.09400M -0.09200M
Additional paid in capital - - - - -
Common stock total equity 0.09M 0.09M 0.09M 0.09M 0.09M
Preferred stock total equity - - - - -
Retained earnings total equity 52.92M 39.04M 30.00M 21.84M 10.88M
Treasury stock -16.66200M -11.32700M -1.63900M - -
Accumulated amortization - - - - -
Non currrent assets other 3.73M 4.58M 5.70M 2.90M 2.25M
Deferred long term asset charges - - - - -
Non current assets total 20.91M 21.31M 14.54M 8.16M 4.52M
Capital lease obligations 1.98M 2.71M 1.99M 0.46M -
Long term debt total - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -4.74900M -1.61700M 0.14M 0.38M -1.90000M
Change to liabilities -0.65300M -2.22100M 2.82M 2.53M 1.07M
Total cashflows from investing activities -13.48400M -7.99200M -7.74000M -3.29700M -1.90000M
Net borrowings - - - - -
Total cash from financing activities -5.33500M -9.58100M -1.63900M 0.21M 0.11M
Change to operating activities -3.18500M -3.33300M 2.17M 2.69M 2.27M
Net income 13.88M 9.04M 8.16M 10.97M 6.24M
Change in cash -8.84500M -8.71200M 11.54M 7.50M 4.89M
Begin period cash flow 29.24M 37.96M 26.41M 18.92M 14.02M
End period cash flow 20.40M 29.24M 37.96M 26.41M 18.92M
Total cash from operating activities 9.86M 8.91M 20.97M 10.59M 6.66M
Issuance of capital stock - - - - -
Depreciation 5.70M 3.80M 2.14M 1.01M 0.61M
Other cashflows from investing activities 0.22M -0.95000M -1.00000M -2.00000M -1.03500M
Dividends paid - - - - -
Change to inventory - -3.33300M 2.17M 2.69M 2.27M
Change to account receivables -7.67300M -2.27700M 5.49M -5.02800M -2.52300M
Sale purchase of stock -5.33500M -9.68800M -1.63900M 0.21M 0.11M
Other cashflows from financing activities -13.48400M 0.11M -7.74000M 0.21M 0.11M
Change to netincome 1.31M 0.26M 2.21M 1.04M 0.17M
Capital expenditures 8.73M 5.83M 6.88M 1.68M 0.86M
Change receivables -7.67300M -2.40200M 5.49M -5.02800M -2.49000M
Cash flows other operating -2.69600M 0.44M 0.14M 0.06M 1.05M
Exchange rate changes - - - -0.00200M 0.03M
Cash and cash equivalents changes -8.95500M -8.65800M 11.59M 7.50M 4.89M
Change in working capital -10.96700M -4.18400M 8.59M 8.38M 5.73M
Stock based compensation 0.21M 0.32M 0.39M 0.19M 0.06M
Other non cash items 1.12M 0.17M 1.15M -10.51800M -5.71000M
Free cash flow 1.13M 3.09M 14.09M 8.91M 5.79M

Peer Comparison

Sector: Technology Industry: Software - Application

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
CCRD
CoreCard Corp		 - -% - 30.96 - 2.01 2.21 1.41 5.61
SAPGF
SAP SE		 0.10 0.07% 153.50 76.28 22.88 5.61 3.84 5.59 26.18
SAP
SAP SE ADR		 -0.3 0.20% 153.08 75.80 22.37 5.62 3.75 5.51 25.79
CRM
Salesforce.com Inc		 0.32 0.21% 153.74 23.99 14.14 4.16 2.58 3.85 12.75
INTU
Intuit Inc		 9.68 3.75% 267.73 55.56 32.68 11.28 10.07 11.62 40.11

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Profile

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.

CoreCard Corp

One Meca Way, Norcross, GA, United States, 30093

Key Executives

Name Title Year Born
Mr. James Leland Strange Chairman, CEO & Pres 1942
Mr. Matthew A. White CFO & Corp. Sec. 1982
Ms. Karen J. Reynolds Adviser 1957

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