Stock CCRD CORECARD CORPORATION
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Financials CoreCard Corporation

Equities

CCRD

US45816D1000

Financial Technology (Fintech)

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
11.92 USD -1.89% Intraday chart for CoreCard Corporation +0.34% -13.81%
Mar. 01 Tranche Update on CoreCard Corporation's Equity Buyback Plan announced on November 8, 2018. CI
Feb. 21 CoreCard Corporation and Banc of California Partner to Create Next Generation Commercial Card CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 355.4 358.2 337.6 246.6 116.7 98.88 -
Enterprise Value (EV) 1 329.4 322.2 311 223.2 116.7 98.88 98.88
P/E ratio 32.7 x 44.1 x 37.7 x 18 x 34.6 x 99.3 x 19.9 x
Yield - - - - - - -
Capitalization / Revenue 10.4 x 9.98 x 7 x 3.53 x 2.08 x 1.97 x 1.73 x
EV / Revenue 10.4 x 9.98 x 7 x 3.53 x 2.08 x 1.97 x 1.73 x
EV / EBITDA 24,689,844 x 26,662,467 x 21,844,315 x 9,614,729 x - - -
EV / FCF 51,438,068 x 25,417,423 x 96,728,381 x 218,439,141 x - - -
FCF Yield 0% 0% 0% 0% - - -
Price to Book - - - - - - -
Nbr of stocks (in thousands) 8,898 8,929 8,701 8,513 8,440 8,295 -
Reference price 2 39.94 40.11 38.80 28.97 13.83 11.92 11.92
Announcement Date 2/11/20 2/11/21 2/15/22 2/16/23 2/14/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 34.3 35.87 48.25 69.76 56 50.2 57.25
EBITDA 14.39 13.43 15.45 25.65 - - -
EBIT 1 13.38 11.3 11.66 19.95 5.311 0.195 5.345
Operating Margin 39.01% 31.49% 24.16% 28.6% 9.48% 0.39% 9.34%
Earnings before Tax (EBT) 1 13.52 10.63 11.76 19.04 4.497 1.395 6.545
Net income 1 10.97 8.161 9.039 13.88 3.395 1.032 4.968
Net margin 31.98% 22.75% 18.73% 19.9% 6.06% 2.06% 8.68%
EPS 2 1.220 0.9100 1.030 1.610 0.4000 0.1200 0.6000
Free Cash Flow 6.909 14.09 3.49 1.129 - - -
FCF margin 20.14% 39.28% 7.23% 1.62% - - -
FCF Conversion (EBITDA) 48% 104.9% 22.58% 4.4% - - -
FCF Conversion (Net income) 62.99% 172.66% 38.61% 8.13% - - -
Dividend per Share - - - - - - -
Announcement Date 2/11/20 2/11/21 2/15/22 2/16/23 2/14/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 12.94 13.05 24.28 15.21 14.45 15.82 14.76 - 13.4 12.16 12 12.1 12.9 13.2
EBITDA 4.237 4.125 13.08 4.471 3.006 5.092 3.515 - - - - - - -
EBIT 1 3.309 3.026 11.75 3.466 1.703 3.031 1.82 - 0.413 0.395 -0.095 -0.245 0.18 0.355
Operating Margin 25.58% 23.19% 48.4% 22.79% 11.79% 19.15% 12.33% - 3.08% 3.25% -0.79% -2.02% 1.4% 2.69%
Earnings before Tax (EBT) 1 3.436 3.116 11.69 3.755 1.802 1.791 1.669 - - 0.629 0.205 0.055 0.48 0.655
Net income 1 2.534 2.66 8.67 2.856 1.359 0.996 1.256 1.875 - 0.486 0.152 0.041 0.355 0.485
Net margin 19.59% 20.39% 35.7% 18.78% 9.4% 6.29% 8.51% - - 4% 1.27% 0.34% 2.75% 3.67%
EPS 2 0.2900 0.3000 1.000 0.3300 0.1600 0.1200 0.1500 0.2200 -0.0300 0.0600 0.0200 - 0.0400 0.0600
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 11/4/21 2/15/22 5/5/22 8/3/22 11/2/22 2/16/23 5/4/23 8/2/23 11/1/23 2/14/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position 26 36 26.5 23.4 - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow 6.91 14.1 3.49 1.13 - - -
ROE (net income / shareholders' equity) 34.7% 20% 20.5% 28.7% - - -
ROA (Net income/ Total Assets) 29.8% 16.1% 15.7% 22.9% - - -
Assets 1 36.77 50.63 57.59 60.69 - - -
Book Value Per Share - - - - - - -
Cash Flow per Share - - - - - - -
Capex 1.68 6.88 5.43 8.74 - - -
Capex / Sales 4.89% 19.16% 11.24% 12.52% - - -
Announcement Date 2/11/20 2/11/21 2/15/22 2/16/23 2/14/24 - -
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for CoreCard Corporation

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
11.92 USD
Average target price
19 USD
Spread / Average Target
+59.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Financial Technology (Fintech) (NEC)
  1. Stock Market
  2. Equities
  3. CCRD Stock
  4. Financials CoreCard Corporation