CoreCard (CCRD) Stock Price, News & Analysis

Company Overview

CoreCard (NYSE:CCRD) is a financial technology company that specializes in card management and payment processing software. Its solutions enable banks, credit unions, program managers and fintech firms to launch and administer a wide range of card programs, including credit, debit, prepaid, commercial, loyalty and installment products. CoreCard’s platform supports account origination, transaction authorization, risk management, statement generation and dispute processing through a unified architecture.

The company’s flagship offering, TranzWare, is a modular, highly configurable card processing engine that can be deployed on-premises or via cloud environments. TranzWare’s functionality extends to digital wallet integration, real-time transaction monitoring, rewards and loyalty management, and data analytics tools for customer insights. CoreCard also provides managed services and professional services to assist clients with implementation, customization, ongoing support and compliance updates.

Headquartered in Hingham, Massachusetts, CoreCard serves a global customer base that spans North America, Latin America, Europe, the Middle East, Africa and Asia-Pacific. The company maintains regional offices and partner networks to deliver local support and meet diverse regulatory requirements. Its platform has been adopted by community banks, regional issuers and international program managers seeking to modernize legacy systems and accelerate time-to-market for innovative payment offerings.

Founded in 1997, CoreCard has evolved from a niche transaction processing provider into a comprehensive payments software vendor with a track record of supporting complex, multi-jurisdictional card programs. The company’s leadership team comprises seasoned executives from the payments and financial services industries, guiding product development and global expansion efforts. CoreCard continues to invest in research and development to enhance its platform’s scalability, security and feature set in response to emerging market trends.

Key Stats

• Today's Range: $26.97 to $27.37
• 50-Day Range: $26.10 to $28.97
• 52-Week Range: $12.12 to $31.99
• Volume: 16,720 shs
• Average Volume: 44,413 shs
• Market Capitalization: $211.15 million
• P/E Ratio: 27.38
• Dividend Yield: N/A
• Price Target: $21.00
• Consensus Rating: Hold

CoreCard Stock Analysis - MarketRank™

CoreCard scored higher than 15% of companies evaluated by MarketBeat, and ranked 282nd out of 317 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.

Downside Risk

CoreCard has a consensus price target of $21.00, representing about 22.5% downside from its current price of $27.11.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of CoreCard is 27.38, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.79.

Price to Earnings Ratio vs. Sector

The P/E ratio of CoreCard is 27.38, which means that it is trading at a more expensive P/E ratio than the Business Services sector average P/E ratio of about 26.48.

Price to Book Value per Share Ratio

CoreCard has a P/B Ratio of 4.14. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

5.01% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CoreCard has recently decreased by 8.12%, indicating that investor sentiment is improving 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

5.01% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CoreCard has recently decreased by 8.12%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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

18.10% 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 beginning of the year. Since then, CCRD stock has increased by 19.4% and is now trading at $27.1050.

How were CoreCard's earnings last quarter?

CoreCard Corporation (NYSE:CCRD) issued its quarterly earnings data on Thursday, February, 20th. The company reported $0.24 earnings per share for the quarter, topping the consensus estimate of $0.07 by $0.17. The firm had revenue of $14.82 million for the quarter, compared to the consensus estimate of $13.40 million. CoreCard had a net margin of 12.36% and a trailing twelve-month return on equity of 15.27%.

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: 10/02/2025
• Next Earnings (Estimated): 10/30/2025
• 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: -22.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.99
• Trailing P/E Ratio: 27.38
• Forward P/E Ratio: 29.79
• P/E Growth: N/A
• Net Income: $5.45 million
• Net Margins: 12.36%
• Pretax Margin: 14.48%
• Return on Equity: 15.27%
• Return on Assets: 12.68%

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: 3.68
• Cash Flow: $1.14 per share
• Price / Cash Flow: 23.79
• Book Value: $6.54 per share
• Price / Book: 4.14

Miscellaneous

• Outstanding Shares: 7,790,000
• Free Float: 6,382,000
• Market Cap: $211.15 million
• Optionable: Not Optionable
• Beta: 0.68