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.
Exceptional growth potential with flawless balance sheet.
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's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: INS underperformed the US Software industry which returned 5.2% over the past year.
Return vs Market: INS exceeded the US Market which returned -15.9% 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 StIs Intelligent Systems Corporation (NYSEMKT:INS) A Volatile Stock?
3 weeks ago | Simply Wall StWhat Is Intelligent Systems's (NYSEMKT:INS) P/E Ratio After Its Share Price Tanked?
1 month ago | Simply Wall StCould Intelligent Systems Corporation's (NYSEMKT:INS) Investor Composition Influence The Stock Price?
Is Intelligent Systems undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: INS ($34) is trading below our estimate of fair value ($50.03)
Significantly Below Fair Value: INS is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: INS is good value based on its PE Ratio (27.5x) compared to the Software industry average (37.9x).
PE vs Market: INS is poor value based on its PE Ratio (27.5x) compared to the US market (12.2x).
Price to Earnings Growth Ratio
PEG Ratio: INS is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: INS is overvalued based on its PB Ratio (8.1x) compared to the US Software industry average (4x).
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 (22.5% per year) is above the savings rate (1.7%).
Earnings vs Market: INS's earnings (22.5% per year) are forecast to grow faster than the US market (13.4% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: INS's revenue (20.5% per year) is forecast to grow faster than the US market (7% per year).
High Growth Revenue: INS's revenue (20.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: INS's Return on Equity is forecast to be high in 3 years time (26.4%)
How has Intelligent Systems performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: INS has a high level of non-cash earnings.
Growing Profit Margin: INS's current net profit margins (32%) are higher than last year (31.1%).
Past Earnings Growth Analysis
Earnings Trend: INS has become profitable over the past 5 years, growing earnings by 79.1% per year.
Accelerating Growth: INS's earnings growth over the past year (75.7%) is below its 5-year average (79.1% per year).
Earnings vs Industry: INS earnings growth over the past year (75.7%) exceeded the Software industry 18.4%.
Return on Equity
High ROE: INS's Return on Equity (29.4%) is considered high.
How is Intelligent Systems's financial position?
Financial Position Analysis
Short Term Liabilities: INS's short term assets ($36.1M) exceed its short term liabilities ($6.2M).
Long Term Liabilities: INS's short term assets ($36.1M) exceed its long term liabilities ($758.0K).
Debt to Equity History and Analysis
Debt Level: INS is debt free.
Reducing Debt: INS has not had any debt for past 5 years.
Debt Coverage: INS has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: INS has no debt, therefore coverage of interest payments is not a concern.
Inventory Level: INS has a low level of unsold assets or inventory.
Debt Coverage by Assets: INS's debt is not covered by short term assets (assets are -3.2497074191179E+17x debt).
What is Intelligent Systems's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate INS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate INS's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if INS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if INS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of INS's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
James Strange (77yo)
Mr. James Leland Strange serves as the President of ChemFree Corporation. Mr. Strange serves as Chief Executive Officer, President and Business Advisor of Gwinnett Innovation Park. He has been the Chief Ex ...
CEO Compensation Analysis
Compensation vs Market: James's total compensation ($USD549.13K) is below average for companies of similar size in the US market ($USD2.26M).
Compensation vs Earnings: James's compensation has increased by more than 20% in the past year.
|VP, CFO & Corporate Secretary||1.25yrs||no data||no data|
Experienced Management: INS's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
|Independent Director||2.58yrs||US$35.46k||0.28% $850.0k|
|Independent Director||7.25yrs||US$35.46k||0.056% $170.0k|
Experienced Board: INS's board of directors are considered experienced (7.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: INS insiders have only sold shares 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$303.450m
- 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 and European Union. The company designs, develops, and markets a suite of software solutions to accounts receivable businesses, financial institutions, retailers, and processors. Its software solutions allow companies to offer various types of debit and credit cards, as well as installment and revolving loans; to set up and maintain account data; to record advances and payments; to assess fees, interests, and other charges; to resolve disputes and chargebacks; to manage collections of accounts receivable; to generate reports; and to settle transactions with financial institutions and network associations. The software also allows managing prepaid cards, private label cards, fleet cards, bank cards, and loyalty programs. The company’s CoreCard software platform and modules include CoreENGINE, CoreISSUE, CoreFraud, CoreCOLLECT, CoreAPP, COREMONEY, and CoreACQUIRE. Intelligent Systems Corporation was founded in 1973 and is headquartered in Norcross, Georgia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/05 03:44|
|End of Day Share Price||2020/04/03 00:00|
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.