Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
CoreCard Corp (CCRD)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: CCRD (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 46.93% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 142.11M USD | Price to earnings Ratio 27.24 | 1Y Target Price 21 |
Price to earnings Ratio 27.24 | 1Y Target Price 21 | ||
Volume (30-day avg) 23180 | Beta 0.46 | 52 Weeks Range 10.09 - 24.97 | Updated Date 04/2/2025 |
52 Weeks Range 10.09 - 24.97 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.49% | Operating Margin (TTM) 14.01% |
Management Effectiveness
Return on Assets (TTM) 6.48% | Return on Equity (TTM) 10.44% |
Valuation
Trailing PE 27.24 | Forward PE - | Enterprise Value 118876158 | Price to Sales(TTM) 2.48 |
Enterprise Value 118876158 | Price to Sales(TTM) 2.48 | ||
Enterprise Value to Revenue 2.07 | Enterprise Value to EBITDA 11.76 | Shares Outstanding 7786680 | Shares Floating 5571525 |
Shares Outstanding 7786680 | Shares Floating 5571525 | ||
Percent Insiders 28.18 | Percent Institutions 41.28 |
Analyst Ratings
Rating 3 | Target Price 16 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CoreCard Corp
Company Overview
History and Background
CoreCard Corp (formerly Intelligent Systems Corporation) was founded in 1973. Initially focused on industrial control solutions, it evolved into providing technology solutions to the financial services industry, particularly card management systems. CoreCard became a standalone company after it was spun out from Comcarde in 2011.
Core Business Areas
- Card Management Software: Develops and provides software solutions for processing credit cards, debit cards, prepaid cards, private label cards, and loyalty programs. This includes functionalities like card issuance, transaction processing, payment settlement, and fraud management.
- Processing Services: Offers processing services that complement their software solutions. This can include managed services for card portfolio management.
Leadership and Structure
The leadership team consists of the CEO, CFO, CTO, and other key executives responsible for different areas of the business. The organizational structure is designed to support software development, sales, marketing, customer support, and operations.
Top Products and Market Share
Key Offerings
- CoreCardu00ae Platform: A comprehensive card management platform that supports various card types and functionalities. Market share information is not readily available due to the fragmented nature of the card management software market. The size of the credit card software market is estimated to be over $4 Billion. Competitors: Fiserv (FISV), FIS (FIS), Global Payments (GPN), and several smaller niche players.
- Managed Services: Provides services to manage card portfolios for clients, allowing them to outsource some or all of their card program operations. Market share data is not publicly available. Competitors: Fiserv (FISV), FIS (FIS), Global Payments (GPN).
Market Dynamics
Industry Overview
The card management software industry is driven by the increasing use of electronic payments, the need for advanced fraud prevention, and the demand for personalized card programs. The industry is competitive, with both large established players and smaller niche providers.
Positioning
CoreCard Corp positions itself as a provider of modern, flexible, and scalable card management solutions, often targeting companies that seek more customization than offered by larger vendors. They aim to compete on technology and service quality.
Total Addressable Market (TAM)
The estimated total addressable market for card management software is over $4 billion. CoreCard's positioning focuses on capturing a segment of this TAM by offering flexible and customisable solutions.
Upturn SWOT Analysis
Strengths
- Specialized expertise in card management software
- Flexible and customizable solutions
- Scalable platform
- Strong relationships with some key clients
Weaknesses
- Smaller size compared to major competitors
- Limited brand recognition compared to larger players
- Concentrated customer base
Opportunities
- Increasing demand for personalized card programs
- Growth in electronic payments
- Expansion into new geographic markets
- Partnerships with other technology providers
Threats
- Intense competition from larger players
- Rapid technological changes
- Cybersecurity threats
- Economic downturns affecting consumer spending
Competitors and Market Share
Key Competitors
- Fiserv (FISV)
- FIS (FIS)
- Global Payments (GPN)
Competitive Landscape
CoreCard's advantages include its specialized focus and flexible solutions. Disadvantages include its smaller size and limited brand recognition compared to larger competitors like Fiserv and FIS.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by new customer acquisitions and increased usage of the CoreCard platform. Need more precise data for numerical growth rates.
Future Projections: Future growth depends on factors like market trends, competitive dynamics, and the company's ability to innovate and expand its customer base. Analyst estimates are needed for numerical projections.
Recent Initiatives: Recent initiatives may include product enhancements, strategic partnerships, and expansion into new markets.
Summary
CoreCard Corp is a specialized provider of card management software, with a focus on customizable solutions. Its smaller size compared to competitors can be a disadvantage, but its flexibility and technology could allow it to capture a good TAM. The company should look to diversify its customer base and innovate in response to evolving market needs and regulations, and also expand its market share.
Similar Companies
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Articles
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. Financial data needs to be updated with current financial results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CoreCard Corp
Exchange NYSE | Headquaters Norcross, GA, United States | ||
IPO Launch date 1995-08-18 | Chairman, CEO & President Mr. James Leland Strange | ||
Sector Technology | Industry Software - Application | Full time employees 1000 | Website https://www.corecard.com |
Full time employees 1000 | Website https://www.corecard.com | ||
CoreCard Corporation, together with its subsidiaries, provides technology solutions and processing services to the financial technology and services market in the United States, Europe, and the Middle East. The company 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. Its 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.