CoreCard (CCRD) Stock Price, News & Analysis

Company Overview

CoreCard Software, Inc. (NYSE: CCRD) is a financial technology company specializing in card management solutions for credit, debit, prepaid and loyalty programs. Its core platform delivers real-time transaction processing, account lifecycle management, fraud monitoring and customizable reward schemes. The software is designed to enable traditional banks, credit unions, fintech firms and non-bank payment providers to rapidly launch and manage card portfolios through scalable, modular architectures.

First established in the early 1980s, CoreCard has evolved from on-premises installations into a cloud-native, API-driven service that supports both issuing and processing requirements. Key features include flexible rules engines for authorization workflows, configurable billing and interchange management, plus integrated analytics to help clients optimize portfolios and manage risk. The company’s solutions also accommodate emerging payment formats such as tokenization and digital wallets.

CoreCard serves a global customer base across North America, Latin America, Europe and Asia-Pacific, partnering with major card networks including Visa, Mastercard and Discover. Its technology underpins a wide range of use cases—from consumer credit and private‐label programs to gift, fleet and rewards cards. The company maintains professional services teams to assist with implementation, regulatory compliance and ongoing support.

Headquartered in Atlanta, Georgia, CoreCard is backed by a seasoned management team with deep expertise in financial services and technology. The leadership group emphasizes continuous innovation, regulatory adherence and strategic partnerships to help clients accelerate time to market and adapt to evolving payment trends.

Key Stats

• Today's Range: $29.02 to $31.26
• 50-Day Range: $17.54 to $31.00
• 52-Week Range: $11.57 to $31.99
• Volume: 96,541 shs
• Average Volume: 37,505 shs
• Market Capitalization: $241.49 million
• P/E Ratio: 36.05
• Dividend Yield: N/A
• Price Target: $21.00
• Consensus Rating: Hold

CoreCard Stock Analysis - MarketRank™

CoreCard scored higher than 7% of companies evaluated by MarketBeat, and ranked 287th out of 303 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

CoreCard has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

CoreCard has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of CoreCard is 36.05, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of CoreCard is 36.05, which means that it is trading at a more expensive P/E ratio than the Business Services sector average P/E ratio of about 28.62.

Price to Book Value per Share Ratio

CoreCard has a P/B Ratio of 4.74. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.64% of the float of CoreCard has been sold short.

Short Interest Ratio / Days to Cover

CoreCard has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CoreCard has recently increased by 31.10%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

CoreCard does not currently pay a dividend.

Dividend Growth

CoreCard does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.64% of the float of CoreCard has been sold short.

Short Interest Ratio / Days to Cover

CoreCard has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CoreCard has recently increased by 31.10%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

Only 1 people have searched for CCRD on MarketBeat in the last 30 days. This is a decrease of -86% compared to the previous 30 days.

MarketBeat Follows

9 people have added CoreCard to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, CoreCard insiders have not sold or bought any company stock.

Percentage Held by Insiders

17.20% of the stock of CoreCard is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

43.90% of the stock of CoreCard is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CCRD Stock Analysis - Frequently Asked Questions

How have CCRD shares performed this year?

CoreCard's stock was trading at $22.70 at the start of the year. Since then, CCRD shares have increased by 36.6% and is now trading at $31.00.

How were CoreCard's earnings last quarter?

CoreCard Corporation (NYSE:CCRD) posted its quarterly earnings data on Thursday, February, 20th. The company reported $0.24 earnings per share for the quarter, beating the consensus estimate of $0.07 by $0.17. The firm had revenue of $14.82 million for the quarter, compared to analyst estimates of $13.40 million. CoreCard had a net margin of 11.35% and a trailing twelve-month return on equity of 13.30%.

How do I buy shares of CoreCard?

Shares of CCRD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of CoreCard own?

Based on aggregate information from My MarketBeat watchlists, some other companies that CoreCard investors own include Waste Connections (WCN), The RMR Group (RMR), AU Optronics (AUOTY), American Water Works (AWK), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 2/20/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Business Services
• Industry: Technology Services
• Sub-Industry: Computer Software
• Current Symbol: NYSE:CCRD
• CIK: 320340
• Web: www.intelsys.com
• Phone: (770) 381-2900
• Fax: 770-381-2808
• Employees: 1,200
• Year Founded: N/A

Price Target and Rating

• Average Price Target for CoreCard: $21.00
• High Price Target: $21.00
• Low Price Target: $21.00
• Potential Upside/Downside: -32.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.86
• Trailing P/E Ratio: 36.05
• Forward P/E Ratio: 34.07
• P/E Growth: N/A
• Net Income: $5.45 million
• Net Margins: 11.35%
• Pretax Margin: 14.48%
• Return on Equity: 13.30%
• Return on Assets: 11.03%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 4.96
• Quick Ratio: 4.96

Sales & Book Value

• Annual Sales: $57.40 million
• Price / Sales: 4.21
• Cash Flow: $1.22 per share
• Price / Cash Flow: 25.32
• Book Value: $6.54 per share
• Price / Book: 4.74

Miscellaneous

• Outstanding Shares: 7,790,000
• Free Float: 6,448,000
• Market Cap: $241.49 million
• Optionable: Not Optionable
• Beta: 0.70