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Upturn AI SWOT - About
CCRD 
CoreCard Corp (CCRD)
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Upturn Advisory Summary
10/24/2025: 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 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 204.55M USD | Price to earnings Ratio 26.15 | 1Y Target Price 21 |
Price to earnings Ratio 26.15 | 1Y Target Price 21 | ||
Volume (30-day avg) 1 | Beta 0.68 | 52 Weeks Range 13.60 - 31.99 | Updated Date 10/24/2025 |
52 Weeks Range 13.60 - 31.99 | Updated Date 10/24/2025 | ||
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 26.15 | Forward PE - | Enterprise Value 181850009 | Price to Sales(TTM) 3.16 |
Enterprise Value 181850009 | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 2.81 | Enterprise Value to EBITDA 13.4 | Shares Outstanding 7792382 | Shares Floating 5596021 |
Shares Outstanding 7792382 | Shares Floating 5596021 | ||
Percent Insiders 29.03 | Percent Institutions 44.76 |
Upturn AI SWOT
CoreCard Corp
Company Overview
History and Background
CoreCard Corporation was founded in 2001 and is headquartered in Norcross, Georgia. It has evolved from a software developer to a provider of card management systems and processing services.
Core Business Areas
- Software and Services: Provides a suite of software solutions for card issuers and processors, including account management, transaction processing, and reporting.
- Processing Services: Offers outsourced processing services for card portfolios, including transaction authorization, settlement, and customer service.
Leadership and Structure
The leadership team consists of a CEO, CFO, and other key executives. The organizational structure is hierarchical, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- CoreCardu00ae Software Platform: A comprehensive card management system that supports a wide range of card products, including credit, debit, prepaid, and private label cards. Market share data is not publicly available. Competitors include Fiserv (FISV), Fidelity National Information Services (FIS), and Global Payments (GPN).
- Processing Services (Outsourced): Provides outsourced processing services for card issuers and processors, including transaction authorization, settlement, and customer service. Market share data is not publicly available. Competitors include Fiserv (FISV), Fidelity National Information Services (FIS), and Global Payments (GPN).
Market Dynamics
Industry Overview
The card management systems and processing services industry is highly competitive, driven by increasing demand for electronic payments and evolving regulatory requirements.
Positioning
CoreCard Corp positions itself as a provider of flexible and scalable card management solutions, targeting issuers and processors seeking to differentiate themselves in the market.
Total Addressable Market (TAM)
TAM is estimated to be in the billions of dollars. CoreCard Corp is positioned to capture a portion of this TAM through its specialized software solutions and processing services.
Upturn SWOT Analysis
Strengths
- Comprehensive software platform
- Scalable architecture
- Experienced management team
- Focus on niche markets
Weaknesses
- Smaller size compared to major competitors
- Concentration of revenue among a few key clients
- Limited brand recognition
- Dependence on third-party infrastructure
Opportunities
- Growing demand for digital payments
- Expansion into new geographic markets
- Partnerships with fintech companies
- Acquisition of complementary businesses
Threats
- Intense competition from larger players
- Rapid technological changes
- Cybersecurity risks
- Economic downturns
Competitors and Market Share
Key Competitors
- FISV
- FIS
- GPN
- JKHY
Competitive Landscape
CoreCard Corp competes with larger, more established players in the card management systems and processing services industry. Its competitive advantage lies in its flexible and scalable platform, which allows it to cater to the specific needs of its clients.
Growth Trajectory and Initiatives
Historical Growth: Growth data is not available from this source.
Future Projections: Future projections are not available from this source.
Recent Initiatives: Recent initiatives include expanding the product portfolio and entering new markets.
Summary
CoreCard Corp is a niche player in the competitive card management and processing market. Its strengths are in its flexible software platform and focus on specific client needs, but it faces challenges from larger, more established competitors. Continued innovation and strategic partnerships will be crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate.
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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