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Upturn AI SWOT - About
CCRD 
CoreCard Corp (CCRD)
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Upturn Advisory Summary
09/17/2025: CCRD (3-star) is currently NOT-A-BUY. Pass it for now.
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 50.16% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 208.37M USD | Price to earnings Ratio 27.01 | 1Y Target Price 21 |
Price to earnings Ratio 27.01 | 1Y Target Price 21 | ||
Volume (30-day avg) 1 | Beta 0.66 | 52 Weeks Range 12.12 - 31.99 | Updated Date 09/17/2025 |
52 Weeks Range 12.12 - 31.99 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.99 |
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 12.36% | Operating Margin (TTM) 15.14% |
Management Effectiveness
Return on Assets (TTM) 9.75% | Return on Equity (TTM) 14.95% |
Valuation
Trailing PE 27.01 | Forward PE - | Enterprise Value 179746066 | Price to Sales(TTM) 3.22 |
Enterprise Value 179746066 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 2.77 | Enterprise Value to EBITDA 13.25 | Shares Outstanding 7792380 | Shares Floating 5596021 |
Shares Outstanding 7792380 | Shares Floating 5596021 | ||
Percent Insiders 29.03 | Percent Institutions 44.01 |
Upturn AI SWOT
CoreCard Corp
Company Overview
History and Background
CoreCard Corporation, formerly Intelligent Systems Corporation (INS), was founded in 1973. CoreCard provides software solutions and processing services to the financial technology and payment industries. It focuses on enabling companies to manage their credit and debit card, prepaid/stored value, healthcare payments, and loyalty programs.
Core Business Areas
- Software Solutions: Provides a suite of software applications that enable clients to issue and manage various payment products and process transactions.
- Processing Services: Offers outsourced processing services, including transaction authorization, settlement, and customer support.
Leadership and Structure
CoreCard is led by a board of directors and executive management team. The company's organizational structure includes departments for software development, sales, marketing, operations, and finance.
Top Products and Market Share
Key Offerings
- CoreCardu00ae Software: A comprehensive card management platform used by banks, retailers, and processors. Includes features for card issuance, transaction processing, fraud management, and reporting. Competitors include FIS, Fiserv, and Global Payments. While specific market share data is not readily available for this product specifically, the overall market for card management systems is competitive.
- Processing Services: Outsourced services encompassing transaction authorization, settlement, customer service, and reporting. This offering enables clients to focus on core business activities while CoreCard handles the complexities of payment processing. Competitors include Fiserv and Global Payments. Similar to software, market share data for CoreCard's processing services is not readily available due to the broader and fragmented market.
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth driven by the increasing adoption of digital payments, e-commerce, and mobile banking. Fintech innovation and regulatory changes are also influencing the market landscape.
Positioning
CoreCard positions itself as a provider of flexible and scalable solutions, catering to both established financial institutions and emerging fintech companies. Its competitive advantage lies in its integrated software and processing services, enabling clients to manage the entire card lifecycle.
Total Addressable Market (TAM)
The global TAM for payment processing solutions is estimated to be in the hundreds of billions of dollars. CoreCard's revenue represents a small percentage of this overall market. The company is positioned to grow by capturing a larger share of the market through product innovation and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Comprehensive card management platform
- Integrated software and processing services
- Scalable and flexible solutions
- Experienced management team
- Focus on niche markets
Weaknesses
- Relatively small market share compared to larger competitors
- Dependence on key clients
- Limited brand recognition
- Exposure to cybersecurity risks
- Limited geographic reach
Opportunities
- Expanding into new geographic markets
- Developing new products and services
- Acquiring complementary businesses
- Forming strategic partnerships
- Capitalizing on the growth of digital payments
Threats
- Increasing competition from larger players
- Rapid technological changes
- Regulatory changes
- Economic downturns
- Data security breaches
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Global Payments (GPN)
Competitive Landscape
CoreCard faces intense competition from larger, more established players like FIS, Fiserv, and Global Payments. CoreCard's advantage lies in its specialized card management platform and its ability to cater to niche markets. However, it needs to continue to innovate and expand its market presence to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: CoreCard's historical growth has been driven by the increasing adoption of its card management platform and processing services.
Future Projections: Future projections are based on analyst estimates which are unavailable. Projecting requires access to real time proprietary financial data.
Recent Initiatives: Recent initiatives include expanding into new markets, launching new products, and forming strategic partnerships.
Summary
CoreCard is a smaller player in the competitive payment processing market. Its comprehensive card management platform and focus on niche markets are strengths, but it faces challenges from larger competitors. Continued innovation, strategic partnerships, and market expansion are crucial for future growth. The lack of dividend payments may deter some investors, but a strong growth trajectory could compensate for this.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Industry Reports
- Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Data is based on publicly available information and may not be complete or entirely accurate. The AI-based rating is subjective and should be used in conjunction with other research.
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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