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Upturn AI SWOT - About
CoreCard Corp (CCRD)
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Upturn Advisory Summary
07/02/2025: CCRD (3-star) is a STRONG-BUY. BUY since 35 days. Profits (19.60%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21
1 Year Target Price $21
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 58.82% | Avg. Invested days 45 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 224.26M USD | Price to earnings Ratio 33.49 | 1Y Target Price 21 |
Price to earnings Ratio 33.49 | 1Y Target Price 21 | ||
Volume (30-day avg) 1 | Beta 0.68 | 52 Weeks Range 11.57 - 31.99 | Updated Date 07/2/2025 |
52 Weeks Range 11.57 - 31.99 | Updated Date 07/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.86 |
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 11.35% | Operating Margin (TTM) 16.82% |
Management Effectiveness
Return on Assets (TTM) 8.72% | Return on Equity (TTM) 13.1% |
Valuation
Trailing PE 33.49 | Forward PE - | Enterprise Value 199536090 | Price to Sales(TTM) 3.68 |
Enterprise Value 199536090 | Price to Sales(TTM) 3.68 | ||
Enterprise Value to Revenue 3.27 | Enterprise Value to EBITDA 16.48 | Shares Outstanding 7786680 | Shares Floating 5590368 |
Shares Outstanding 7786680 | Shares Floating 5590368 | ||
Percent Insiders 29.06 | Percent Institutions 40.87 |
Upturn AI SWOT
CoreCard Corp
Company Overview
History and Background
CoreCard Corp was founded in 2001 as Intelligent Systems Corporationu2019s Financial Solutions Group. It became a standalone company in 2008. They develop and provide technology solutions and processing services to the financial technology and financial services industries.
Core Business Areas
- Software and Licenses: This segment includes the sale of software licenses for their CoreCard platform and related products, as well as ongoing maintenance and support services.
- Processing and Managed Services: This segment encompasses transaction processing, managed services, and other outsourcing solutions for their clients.
Leadership and Structure
Leland Strange is the Chairman and CEO. The company operates with a structure focused on product development, sales, and client support, organized around the two main business segments.
Top Products and Market Share
Key Offerings
- CoreCard Platform: A comprehensive platform for managing credit and debit card programs, including account management, transaction processing, and customer service. Market share data for specific competitors is not readily available. Competitors include Fiserv (FI), Jack Henry & Associates (JKHY), and Fidelity National Information Services (FIS).
- Processing Services: These services include transaction processing, fraud management, and reporting. Market share data is difficult to find in such a segmented area and highly competitive market. Competitors include Fiserv (FI), Global Payments (GPN), and Worldpay (FIS).
Market Dynamics
Industry Overview
The market is characterized by increasing demand for digital payment solutions and sophisticated card management platforms. Fintech innovation and regulatory changes drive industry evolution.
Positioning
CoreCard Corp is positioned as a provider of end-to-end solutions for card issuers, particularly those seeking advanced features and control. They focus on providing customizable solutions.
Total Addressable Market (TAM)
The global card management systems market is projected to reach billions of dollars. CoreCard's positioning with focus on customization allows them to target a specific and important market.
Upturn SWOT Analysis
Strengths
- Comprehensive platform
- Customizable solutions
- Strong client relationships
- Scalable architecture
Weaknesses
- Smaller size compared to larger competitors
- Concentration of revenue with key clients
- Limited brand recognition
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital payment solutions
- Partnerships with fintech companies
- Growth in demand for customizable card programs
Threats
- Competition from larger, more established players
- Rapid technological changes
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- FIS
- GPN
- FI
- JKHY
Competitive Landscape
CoreCard offers a comprehensive platform but faces competition from larger players with wider product offerings. CoreCard's specialization in customization provides them with a niche advantage.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends analysis requires access to several years of financial data, which is not available.
Future Projections: Future growth projections require access to analyst estimates, which are not available.
Recent Initiatives: Recent initiatives include expanding their platform capabilities, increasing marketing efforts and pursuing strategic partnerships.
Summary
CoreCard Corp offers a specialized card management platform facing large, established competitors. Their customizable solutions and focus on specific client needs offer a competitive advantage. However, they must address weaknesses like smaller size and revenue concentration. Strategic partnerships and market expansion are crucial for sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Market Research Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data are approximate and may vary. The AI-based rating is for informational purposes only.
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.
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