CoreCard Corporation (CCRD) Stock

About CoreCard Corporation

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.

CoreCard Corporation is headquartered in US.

CoreCard Corporation (CCRD) stock trades at $23.60 with a market capitalization of $183.90M. The stock is valued at a price-to-earnings (P/E) ratio of 48.16, price-to-book of 3.26, price-to-sales of 5.36. Over the past 52 weeks the stock has ranged between $16.36 and $31.99, and currently trades 26.2% below its 52-week high.

On profitability, CoreCard Corporation generates a return on equity (ROE) of 7.05%, return on capital employed of 9.34%, an operating margin of 15.96%, a net profit margin of 11.35%.

Official website: www.corecard.com

CoreCard Corporation by the numbers, 2015–2024

Between 2015 and 2024 CoreCard Corporation reported revenue of $5.0M rising to $57.0M, a change of +1040.0% across 10 years. Compounded, revenue has grown 10.9% a year over five years, 5.9% over three, 1.8% over the last twelve months. Net profit fell to $5.0M.

Operating margin went from -59.0% in 2015 to 11.4% in 2024, a gain of 70.4 percentage points. The most recent net margin is 11.35%. On a trailing twelve-month basis to Jun '25, revenue is $66.0M and net profit $8.0M.

Borrowings stand at $2.0M, cash on hand is $32.3M, cash from operations was $6.0M in the latest year, positive in 7 of the last 10.

Return on equity has averaged 16.1% over five years, and was 9.6% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

CoreCard Corporation (CCRD) — frequently asked questions