CoreCard Past Earnings Performance
Past criteria checks 2/6
CoreCard's earnings have been declining at an average annual rate of -15.8%, while the Software industry saw earnings growing at 20% annually. Revenues have been growing at an average rate of 12.6% per year. CoreCard's return on equity is 7.8%, and it has net margins of 7.3%.
Key information
-15.8%
Earnings growth rate
-14.7%
EPS growth rate
| Software Industry Growth | 17.3% |
| Revenue growth rate | 12.6% |
| Return on equity | 7.8% |
| Net Margin | 7.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
CoreCard Corporation's (NYSE:CCRD) 30% Jump Shows Its Popularity With Investors
Nov 09
New Forecasts: Here's What Analysts Think The Future Holds For CoreCard Corporation (NYSE:CCRD)
Nov 07CoreCard's (NYSE:CCRD) Returns On Capital Not Reflecting Well On The Business
Oct 28CoreCard Corp: Confidently Befitting A 'Five Year Double'
Oct 25Rebooting CoreCard
Sep 17CoreCard Corporation: Poor Execution And Uncertainty Over The Turnaround
May 30CoreCard's Goldman Cutbacks Drag On Growth While Expenses Remain High (Downgrade)
Nov 28This Analyst Just Downgraded Their CoreCard Corporation (NYSE:CCRD) EPS Forecasts
Nov 06CoreCard's (NYSE:CCRD) Returns On Capital Are Heading Higher
Sep 14CoreCard: A Deep Dive Into Client Risk, Scalability, And Financials
Sep 08CoreCard: Building A Moat In Program Management And Processing Software
Jun 21CoreCard Q4 2022 Earnings Preview
Feb 15CoreCard: Investing For The Future
Jan 31CoreCard: Potential Buyout
Jan 23CoreCard gains on report that Goldman may have buyout interest
Nov 08CoreCard Corporation Q3 2022 Earnings Preview
Nov 01CoreCard Has Become Cheap
Sep 05CoreCard Corporation GAAP EPS of $0.33 misses by $0.01, revenue of $15.21M beats by $1.95M
Aug 03Investors Shouldn't Overlook CoreCard's (NYSE:CCRD) Impressive Returns On Capital
Jun 15Long Cast Advisers - CoreCard Corp: Waiting For The Next Whale Client
May 04Richie Capital Group - CoreCard: Apple's Core Credit Card Processor
Apr 15CoreCard: A Small-Cap Company In The Stage Of Aggressive Growth
Feb 24CoreCard Is Currently Undervalued
Dec 24Why The 25% Return On Capital At Intelligent Systems (NYSE:INS) Should Have Your Attention
Nov 26Intelligent Systems Corporation: Our Update On This Growing And Profitable Fintech
Nov 17Intelligent Systems Corporation: Too Good To Overlook
Aug 12Is Now The Time To Look At Buying Intelligent Systems Corporation (NYSEMKT:INS)?
Apr 05Introducing Intelligent Systems (NYSEMKT:INS), The Stock That Soared 991% In The Last Five Years
Mar 18These Trends Paint A Bright Future For Intelligent Systems (NYSEMKT:INS)
Mar 01Downgrade: Here's How Analysts See Intelligent Systems Corporation (NYSEMKT:INS) Performing In The Near Term
Feb 12
Revenue & Expenses Breakdown
How CoreCard makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 55 | 4 | 7 | 8 |
| 30 Jun 24 | 52 | 2 | 6 | 8 |
| 31 Mar 24 | 54 | 3 | 6 | 8 |
| 31 Dec 23 | 56 | 3 | 7 | 8 |
| 30 Sep 23 | 60 | 4 | 7 | 9 |
| 30 Jun 23 | 61 | 5 | 7 | 9 |
| 31 Mar 23 | 60 | 6 | 6 | 10 |
| 31 Dec 22 | 70 | 14 | 6 | 12 |
| 30 Sep 22 | 67 | 16 | 7 | 10 |
| 30 Jun 22 | 65 | 17 | 7 | 10 |
| 31 Mar 22 | 64 | 17 | 7 | 10 |
| 31 Dec 21 | 48 | 9 | 6 | 9 |
| 30 Sep 21 | 45 | 8 | 6 | 9 |
| 30 Jun 21 | 42 | 9 | 5 | 8 |
| 31 Mar 21 | 37 | 8 | 5 | 6 |
| 31 Dec 20 | 36 | 8 | 5 | 5 |
| 30 Sep 20 | 37 | 10 | 5 | 5 |
| 30 Jun 20 | 36 | 10 | 4 | 5 |
| 31 Mar 20 | 35 | 10 | 4 | 5 |
| 31 Dec 19 | 34 | 11 | 4 | 5 |
| 30 Sep 19 | 30 | 10 | 3 | 4 |
| 30 Jun 19 | 26 | 8 | 3 | 4 |
| 31 Mar 19 | 23 | 7 | 2 | 4 |
| 31 Dec 18 | 20 | 6 | 2 | 3 |
| 30 Sep 18 | 17 | 3 | 2 | 4 |
| 30 Jun 18 | 13 | 3 | 2 | 4 |
| 31 Mar 18 | 12 | 2 | 2 | 5 |
| 31 Dec 17 | 9 | 0 | 2 | 4 |
| 30 Sep 17 | 9 | 1 | 2 | 4 |
| 30 Jun 17 | 10 | 0 | 2 | 3 |
| 31 Mar 17 | 8 | -1 | 2 | 3 |
| 31 Dec 16 | 8 | -1 | 2 | 3 |
| 30 Sep 16 | 7 | 0 | 2 | 3 |
| 30 Jun 16 | 6 | -1 | 2 | 3 |
| 31 Mar 16 | 5 | -1 | 2 | 3 |
| 31 Dec 15 | 5 | -1 | 2 | 3 |
| 30 Sep 15 | 5 | -2 | 2 | 3 |
| 30 Jun 15 | 4 | -2 | 2 | 3 |
| 31 Mar 15 | 4 | -1 | 1 | 3 |
| 31 Dec 14 | 4 | -1 | 1 | 3 |
| 30 Sep 14 | 7 | -1 | 2 | 3 |
| 30 Jun 14 | 10 | 0 | 3 | 3 |
| 31 Mar 14 | 13 | 1 | 3 | 3 |
Quality Earnings: CCRD has a high level of non-cash earnings.
Growing Profit Margin: CCRD's current net profit margins (7.3%) are higher than last year (6.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CCRD's earnings have declined by 15.8% per year over the past 5 years.
Accelerating Growth: CCRD's earnings growth over the past year (2.6%) exceeds its 5-year average (-15.8% per year).
Earnings vs Industry: CCRD earnings growth over the past year (2.6%) did not outperform the Software industry 30.2%.
Return on Equity
High ROE: CCRD's Return on Equity (7.8%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/20 05:15 |
| End of Day Share Price | 2025/01/17 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
CoreCard Corporation is covered by 3 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Harold Goetsch | B. Riley Securities, Inc. |
| Mark Palmer | BTIG |
| Anja Marie Soderstrom | Sidoti & Company, LLC |