Intelligent Systems Corporation, through its subsidiary, CoreCard Software, Inc., provides technology solutions and processing services to the financial technology and services market in the United States and European Union.
No risks detected for INS from our risk checks.
Flawless balance sheet with high growth potential.
Share Price & News
How has Intelligent Systems's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: INS has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: INS underperformed the US Software industry which returned 45.7% over the past year.
Return vs Market: INS underperformed the US Market which returned 16.2% over the past year.
Price Volatility Vs. Market
How volatile is Intelligent Systems's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StIntelligent Systems Corporation's (NYSEMKT:INS) Fundamentals Look Pretty Strong: Could The Market Be Wrong About The Stock?
3 weeks ago | Simply Wall StWhy We're Not Concerned About Intelligent Systems Corporation's (NYSEMKT:INS) Share Price
1 month ago | Simply Wall StHow Much Is Intelligent Systems Corporation (NYSEMKT:INS) Paying Its CEO?
Is Intelligent Systems undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: INS ($34.25) is trading above our estimate of fair value ($32.27)
Significantly Below Fair Value: INS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: INS is good value based on its PE Ratio (30.4x) compared to the US Software industry average (58.9x).
PE vs Market: INS is poor value based on its PE Ratio (30.4x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: INS is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: INS is overvalued based on its PB Ratio (7.5x) compared to the US Software industry average (7.1x).
How is Intelligent Systems forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: INS's forecast earnings growth (36.7% per year) is above the savings rate (2.2%).
Earnings vs Market: INS's earnings (36.7% per year) are forecast to grow faster than the US market (22.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: INS's revenue (26% per year) is forecast to grow faster than the US market (9.4% per year).
High Growth Revenue: INS's revenue (26% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if INS's Return on Equity is forecast to be high in 3 years time
How has Intelligent Systems performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: INS has high quality earnings.
Growing Profit Margin: INS's current net profit margins (28.1%) are lower than last year (32.7%).
Past Earnings Growth Analysis
Earnings Trend: INS has become profitable over the past 5 years, growing earnings by 72.8% per year.
Accelerating Growth: INS's earnings growth over the past year (18.3%) is below its 5-year average (72.8% per year).
Earnings vs Industry: INS earnings growth over the past year (18.3%) exceeded the Software industry 5.9%.
Return on Equity
High ROE: INS's Return on Equity (24.7%) is considered high.
How is Intelligent Systems's financial position?
Financial Position Analysis
Short Term Liabilities: INS's short term assets ($42.6M) exceed its short term liabilities ($10.8M).
Long Term Liabilities: INS's short term assets ($42.6M) exceed its long term liabilities ($2.6M).
Debt to Equity History and Analysis
Debt Level: INS is debt free.
Reducing Debt: INS has not had any debt for past 5 years.
Debt Coverage: INS has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: INS has no debt, therefore coverage of interest payments is not a concern.
What is Intelligent Systems's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate INS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate INS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if INS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if INS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of INS's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
James Strange (78 yo)
Mr. James Leland Strange serves as the President of ChemFree Corporation. Mr. Strange serves as Chief Executive Officer, President and Business Advisor of Gwinnett Innovation Park. He has been the Chief Ex ...
CEO Compensation Analysis
Compensation vs Market: James's total compensation ($USD654.20K) is below average for companies of similar size in the US market ($USD1.33M).
Compensation vs Earnings: James's compensation has been consistent with company performance over the past year.
|CFO & Corporate Secretary||1.58yrs||US$593.16k||no data|
Experienced Management: INS's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
|Independent Director||2.92yrs||US$115.24k||0.19% |
|Independent Director||7.58yrs||US$115.24k||0.045% |
Experienced Board: INS's board of directors are considered experienced (7.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Intelligent Systems Corporation's company bio, employee growth, exchange listings and data sources
- Name: Intelligent Systems Corporation
- Ticker: INS
- Exchange: AMEX
- Founded: 1973
- Industry: Application Software
- Sector: Software
- Market Cap: US$275.782m
- Shares outstanding: 8.92m
- Website: https://www.intelsys.com
Number of Employees
- Intelligent Systems Corporation
- 4355 Shackleford Road
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|INS||AMEX (NYSE MKT LLC)||Yes||Common Stock||US||USD||Dec 1991|
Intelligent Systems Corporation, through its subsidiary, CoreCard Software, Inc., provides technology solutions and processing services to the financial technology and services market in the United States ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/05 23:46|
|End of Day Share Price||2020/08/05 00:00|