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Intelligent Systems

AMEX:INS
Snowflake Description

Flawless balance sheet with outstanding track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
INS
AMEX
$357M
Market Cap
  1. Home
  2. US
  3. Software
Company description

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 last earnings update was 80 days ago. More info.


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  • Intelligent Systems has significant price volatility in the past 3 months.
INS Share Price and Events
7 Day Returns
5.6%
AMEX:INS
-1.5%
US Software
-1.2%
US Market
1 Year Returns
275.1%
AMEX:INS
23.7%
US Software
3.4%
US Market
INS Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Intelligent Systems (INS) 5.6% 48.2% 25.6% 275.1% 968.7% 2697.9%
US Software -1.5% 0.9% 8.1% 23.7% 118% 158.4%
US Market -1.2% 0.7% 1.7% 3.4% 35.5% 41.6%
1 Year Return vs Industry and Market
  • INS outperformed the Software industry which returned 23.7% over the past year.
  • INS outperformed the Market in United States of America which returned 3.4% over the past year.
Price Volatility
INS
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Intelligent Systems undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Intelligent Systems to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Intelligent Systems.

AMEX:INS Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Extrapolated from most recent financials. See below
Discount Rate (Cost of Equity) See below 9.2%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for AMEX:INS
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Software Unlevered Beta Simply Wall St/ S&P Global 1.12
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.121 (1 + (1- 21%) (0.32%))
1.083
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.08
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.083 * 5.96%)
9.18%

Discounted Cash Flow Calculation for AMEX:INS using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Intelligent Systems is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

AMEX:INS DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 9.18%)
2020 21.66 Est @ 74.3% 19.84
2021 33.10 Est @ 52.83% 27.77
2022 45.61 Est @ 37.8% 35.04
2023 58.05 Est @ 27.28% 40.85
2024 69.61 Est @ 19.91% 44.86
2025 79.89 Est @ 14.76% 47.15
2026 88.80 Est @ 11.15% 48.00
2027 96.45 Est @ 8.62% 47.76
2028 103.07 Est @ 6.86% 46.74
2029 108.86 Est @ 5.62% 45.21
Present value of next 10 years cash flows $403.22
AMEX:INS DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= $108.86 × (1 + 2.73%) ÷ (9.18% – 2.73%)
$1,732.56
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $1,732.56 ÷ (1 + 9.18%)10
$719.57
AMEX:INS Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $403.22 + $719.57
$1,122.79
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $1,122.79 / 8.85
$126.86
AMEX:INS Discount to Share Price
Calculation Result
Value per share (USD) From above. $126.86
Current discount Discount to share price of $40.29
= -1 x ($40.29 - $126.86) / $126.86
68.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Intelligent Systems is available for.
Intrinsic value
>50%
Share price is $40.29 vs Future cash flow value of $126.86
Current Discount Checks
For Intelligent Systems to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Intelligent Systems's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Intelligent Systems's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Intelligent Systems's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Intelligent Systems's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
AMEX:INS PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.84
AMEX:INS Share Price ** AMEX (2019-07-19) in USD $40.29
United States of America Software Industry PE Ratio Median Figure of 81 Publicly-Listed Software Companies 52.07x
United States of America Market PE Ratio Median Figure of 3,081 Publicly-Listed Companies 17.87x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Intelligent Systems.

AMEX:INS PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= AMEX:INS Share Price ÷ EPS (both in USD)

= 40.29 ÷ 0.84

47.83x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Intelligent Systems is good value based on earnings compared to the US Software industry average.
  • Intelligent Systems is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Intelligent Systems's expected growth come at a high price?
Raw Data
AMEX:INS PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 47.83x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
-14%per year
United States of America Software Industry PEG Ratio Median Figure of 68 Publicly-Listed Software Companies 3.03x
United States of America Market PEG Ratio Median Figure of 2,119 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Intelligent Systems, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Intelligent Systems's assets?
Raw Data
AMEX:INS PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $3.17
AMEX:INS Share Price * AMEX (2019-07-19) in USD $40.29
United States of America Software Industry PB Ratio Median Figure of 224 Publicly-Listed Software Companies 5.87x
United States of America Market PB Ratio Median Figure of 5,247 Publicly-Listed Companies 1.79x
AMEX:INS PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= AMEX:INS Share Price ÷ Book Value per Share (both in USD)

= 40.29 ÷ 3.17

12.7x

* Primary Listing of Intelligent Systems.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Intelligent Systems is overvalued based on assets compared to the US Software industry average.
X
Value checks
We assess Intelligent Systems's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Software industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Software industry average (and greater than 0)? (1 check)
  5. Intelligent Systems has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Intelligent Systems expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Intelligent Systems, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-14%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Intelligent Systems expected to grow at an attractive rate?
  • Intelligent Systems's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Intelligent Systems's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Unable to compare Intelligent Systems's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
AMEX:INS Future Growth Rates Data Sources
Data Point Source Value (per year)
AMEX:INS Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts -14%
United States of America Software Industry Earnings Growth Rate Market Cap Weighted Average 17%
United States of America Software Industry Revenue Growth Rate Market Cap Weighted Average 11.7%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
AMEX:INS Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
AMEX:INS Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
AMEX:INS Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 23 14 7
2018-12-31 20 7 6
2018-09-30 17 4 3
2018-06-30 13 -4 3
2018-03-31 12 -5 2
2017-12-31 9 -2 0
2017-09-30 9 -1 1
2017-06-30 10 -2 0
2017-03-31 8 -1 -1
2016-12-31 8 -1 -1
2016-09-30 7 -1 0
2016-06-30 6 -1 -1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Intelligent Systems's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Unable to determine if Intelligent Systems is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
AMEX:INS Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Intelligent Systems Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AMEX:INS Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
AMEX:INS Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.84
2018-12-31 0.71
2018-09-30 0.37
2018-06-30 0.32
2018-03-31 0.20
2017-12-31 0.04
2017-09-30 0.11
2017-06-30 -0.03
2017-03-31 -0.08
2016-12-31 -0.13
2016-09-30 -0.02
2016-06-30 -0.08

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Intelligent Systems will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Intelligent Systems's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Intelligent Systems has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Intelligent Systems performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Intelligent Systems's growth in the last year to its industry (Software).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Intelligent Systems has delivered over 20% year on year earnings growth in the past 5 years.
  • Intelligent Systems's 1-year earnings growth exceeds its 5-year average (318.2% vs 70.6%)
  • Intelligent Systems's earnings growth has exceeded the US Software industry average in the past year (318.2% vs 22%).
Earnings and Revenue History
Intelligent Systems's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Intelligent Systems Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AMEX:INS Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 23.01 7.42 2.17 3.60
2018-12-31 20.10 6.24 2.08 3.35
2018-09-30 16.72 3.27 2.01 3.87
2018-06-30 13.15 2.77 1.86 4.20
2018-03-31 11.54 1.78 1.82 4.53
2017-12-31 9.18 0.37 1.84 4.37
2017-09-30 8.97 0.94 1.99 3.81
2017-06-30 9.76 -0.31 2.04 3.31
2017-03-31 8.23 -0.68 2.06 2.88
2016-12-31 8.18 -1.11 2.15 2.74
2016-09-30 7.12 -0.17 2.06 2.66
2016-06-30 5.70 -0.72 2.10 2.72
2016-03-31 5.36 -1.27 2.39 2.83
2015-12-31 4.78 -0.78 2.18 2.88
2015-09-30 4.51 -1.96 1.93 2.95
2015-06-30 4.39 -1.81 1.75 2.98
2015-03-31 4.15 -1.33 1.25 3.10
2014-12-31 4.19 -1.29 1.22 3.19
2014-09-30 6.68 -1.03 1.98 3.17
2014-06-30 10.14 -0.17 2.71 3.03
2014-03-31 13.34 0.54 3.49 2.85
2013-12-31 16.32 1.08 4.31 2.68
2013-09-30 17.16 1.45 4.51 2.52
2013-06-30 16.66 1.10 4.72 2.49
2013-03-31 16.52 0.67 5.01 2.44
2012-12-31 16.53 0.53 5.23 2.49
2012-09-30 15.89 0.12 5.33 2.42

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Intelligent Systems has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Intelligent Systems used its assets more efficiently than the US Software industry average last year based on Return on Assets.
  • Intelligent Systems has become profitable over the past 3 years. This is considered to be a significant improvement in its use of capital (Return on Capital Employed).
X
Past performance checks
We assess Intelligent Systems's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Software industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Intelligent Systems has a total score of 6/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Intelligent Systems's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Intelligent Systems's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Intelligent Systems is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Intelligent Systems's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Intelligent Systems's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Intelligent Systems has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Intelligent Systems Company Filings, last reported 3 months ago.

AMEX:INS Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 28.08 0.00 22.45
2018-12-31 25.92 0.00 19.27
2018-09-30 23.33 0.00 17.76
2018-06-30 21.47 0.00 11.06
2018-03-31 20.34 0.00 10.60
2017-12-31 19.45 0.00 14.46
2017-09-30 20.11 0.00 16.90
2017-06-30 18.70 0.00 16.35
2017-03-31 18.49 0.00 16.94
2016-12-31 18.93 0.00 18.14
2016-09-30 19.02 0.00 16.63
2016-06-30 18.82 0.00 17.26
2016-03-31 19.10 0.00 17.27
2015-12-31 23.17 0.00 18.46
2015-09-30 22.38 0.00 18.97
2015-06-30 22.99 0.00 18.89
2015-03-31 24.65 0.00 21.22
2014-12-31 6.58 0.00 3.09
2014-09-30 6.61 0.00 3.15
2014-06-30 6.68 0.00 3.33
2014-03-31 6.76 0.00 3.29
2013-12-31 7.49 0.00 3.78
2013-09-30 7.69 0.00 3.18
2013-06-30 7.20 0.00 3.13
2013-03-31 6.89 0.00 2.90
2012-12-31 6.92 0.00 2.62
2012-09-30 6.67 0.00 2.30
  • Intelligent Systems has no debt.
  • Intelligent Systems has not taken on any debt in the past 5 years.
  • Intelligent Systems has no debt, it does not need to be covered by operating cash flow.
  • Intelligent Systems has no debt, therefore coverage of interest payments is not a concern.
X
Financial health checks
We assess Intelligent Systems's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Intelligent Systems has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Intelligent Systems's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Intelligent Systems dividends.
If you bought $2,000 of Intelligent Systems shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Intelligent Systems's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Intelligent Systems's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
AMEX:INS Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Software Industry Average Dividend Yield Market Cap Weighted Average of 22 Stocks 1.4%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

AMEX:INS Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Intelligent Systems has not reported any payouts.
  • Unable to verify if Intelligent Systems's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Intelligent Systems's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Intelligent Systems has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Intelligent Systems's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Intelligent Systems afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Intelligent Systems has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Intelligent Systems's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
James Strange
COMPENSATION $549,125
AGE 77
TENURE AS CEO 34.5 years
CEO Bio

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 Executive Officer and Chairman of the Board of Intelligent Systems Corporation since 1985 and has been its President since 1983. He also serves as the Chief Executive Officer and President at CoreCard Software Inc. and served as its Managing Director. Prior to Intelligent Systems, he Founded Quadram Corporation in 1980. Prior to Quadram, he founded a number of successful ventures in several industries. Mr. Strange has been employed with Intelligent Systems Corp. since its merger with Quadram Corp. in 1982. He serves as Chairman of Gwinnett Innovation Park. He serves as Chairman of the Board at ChemFree Corporation. He served as Chairman of the Georgia Tech Research Corporation. He serves as Director of CN2, Inc. He serves as a Director at Intelligent Systems Corp. He has been Director of Microsoft Dynamics Inc since July 21, 2000. He served as a Director of Precyse Technologies Inc. since September 2010. He has served on the board of publicly traded companies such as Matria Healthcare and Healthdyne Technologies Inc. He has served as Director of Great Plains. Mr. Strange served as a Director of IQ Software Corp. since 1991. He serves on the Advisory Board of Alliance Technology Ventures, Georgia Tech Research Corp. and Georgia Tech University's DuPree College of Management. Mr. Strange is a board member of the Gwinnett Chamber of Commerce, trustee of EmTech Biotechnology Development Inc. and a member of the Society of International Business Fellows. He was a Director of ASHINC Corporation. In 1995, he was inducted into the Georgia Technology Hall of Fame. Mr. Strange served as a marketing professor specializing in entrepreneurial enterprises at Mercer University for five years. He has served as a Board Member of the Georgia and Atlanta Chamber of Commerce, the Georgia Research Alliance and served as Chairman of the American Electronics Association Southeast Chapter. He has been Trustee for the Georgia Baptist Health Care Foundation. He serves as Trustee of Georgia Tech Foundation. The Board considered Mr. Strange’s many years of experience as the company’s CEO, his familiarity with the industries and customers which operating companies serve, and his past experience on several boards of directors and audit and compensation committees of other publicly traded companies in determining that he should serve as a director of the company. He is a Director of Microsoft Dynamics Inc. Mr. Strange received a M.B.A. from Georgia State University and a B.S. Degree in Industrial Management from Georgia Institute of Technology.

CEO Compensation
  • James's compensation has been consistent with company performance over the past year, both up more than 20%.
  • James's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Intelligent Systems management team in years:

0.5
Average Tenure
62
Average Age
  • The average tenure for the Intelligent Systems management team is less than 2 years, this suggests a new team.
Management Team

James Strange

TITLE
Chairman
COMPENSATION
$549K
AGE
77
TENURE
34.5 yrs

Karen Reynolds

TITLE
COMPENSATION
$182K
AGE
62
TENURE
0.5 yrs

Matt White

TITLE
VP, CFO & Corporate Secretary
AGE
37
TENURE
0.5 yrs
Board of Directors Tenure

Average tenure and age of the Intelligent Systems board of directors in years:

15
Average Tenure
75.5
Average Age
  • The average tenure for the Intelligent Systems board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

James Strange

TITLE
Chairman
COMPENSATION
$549K
AGE
77
TENURE
34.5 yrs

Phil Moise

TITLE
Independent Director
COMPENSATION
$35K
AGE
68
TENURE
6.5 yrs

Russ Chandler

TITLE
Independent Director
AGE
74
TENURE
1.8 yrs

Pete Petit

TITLE
Independent Director
COMPENSATION
$35K
AGE
80
TENURE
23.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Intelligent Systems's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Intelligent Systems has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

A Rising Share Price Has Us Looking Closely At Intelligent Systems Corporation's (NYSEMKT:INS) P/E Ratio

View our latest analysis for Intelligent Systems How Does Intelligent Systems's P/E Ratio Compare To Its Peers? … How Does Intelligent Systems's Debt Impact Its P/E Ratio? … The Verdict On Intelligent Systems's P/E Ratio Intelligent Systems trades on a P/E ratio of 44.5, which is above its market average of 18.

Simply Wall St -

Intelligent Systems Corporation (NYSEMKT:INS) Earns Among The Best Returns In Its Industry

Analysts use this formula to calculate return on capital employed: Return on Capital Employed = Earnings Before Interest and Tax (EBIT) ÷ (Total Assets - Current Liabilities) Or for Intelligent Systems: 0.28 = US$7.9m ÷ (US$34m - US$5.1m) (Based on the trailing twelve months to March 2019.) Therefore, Intelligent Systems has an ROCE of 28%. … See our latest analysis for Intelligent Systems Is Intelligent Systems's ROCE Good? … The Bottom Line On Intelligent Systems's ROCE This is good to see, and with such a high ROCE, Intelligent Systems may be worth a closer look.

Simply Wall St -

What Kind Of Share Price Volatility Should You Expect For Intelligent Systems Corporation (NYSEMKT:INS)?

If you're interested in Intelligent Systems Corporation (NYSEMKT:INS), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … This is above 1, so historically its share price has been influenced by the broader volatility of the stock market. … What this means for you: Beta only tells us that the Intelligent Systems share price is sensitive to broader market movements.

Simply Wall St -

Do You Know What Intelligent Systems Corporation's (NYSEMKT:INS) P/E Ratio Means?

Check out our latest analysis for Intelligent Systems How Do I Calculate A Price To Earnings Ratio? … The formula for P/E is: Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS) Or for Intelligent Systems: P/E of 53.42 = $45 ÷ $0.84 (Based on the year to March 2019.) Is A High P/E Ratio Good? … How Does Intelligent Systems's P/E Ratio Compare To Its Peers?

Simply Wall St -

Should You Be Impressed By Intelligent Systems Corporation's (NYSEMKT:INS) ROE?

While some investors are already well versed in financial metrics (hat tip), this article is for those who would like to learn about Return On Equity (ROE) and why it is important. … That means that for every $1 worth of shareholders' equity, it generated $0.24 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

Is Intelligent Systems Corporation's (NYSEMKT:INS) CEO Being Overpaid?

This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … How Does James Strange's Compensation Compare With Similar Sized Companies. … At the time of writing our data says that Intelligent Systems Corporation has a market cap of US$316m, and is paying total annual CEO compensation of US$304k.

Simply Wall St -

Why Intelligent Systems Corporation (NYSEMKT:INS) Could Be Your Next Investment

Building up an investment case requires looking at a stock holistically. … Today I've chosen to put the spotlight on Intelligent Systems Corporation (NYSEMKT:INS) due to its excellent fundamentals in more than one area. … For those interested in understanding where the figures come from and want to see the analysis,

Simply Wall St -

What Type Of Shareholder Owns Intelligent Systems Corporation's (NYSEMKT:INS)?

Every investor in Intelligent Systems Corporation (NYSEMKT:INS) should be aware of the most powerful shareholder groups. … With a market capitalization of US$160m, Intelligent Systems is a small cap stock, so it might not be well known by many institutional investors. … We can zoom in on the different ownership groups, to learn more about INS

Simply Wall St -

Before You Buy Intelligent Systems Corporation (NYSEMKT:INS), Consider Its Volatility

The second type is the broader market volatility, which you cannot diversify away, since it arises from macroeconomic factors which directly affects all the stocks on the market. … Beta can be a useful tool to understand how much a stock is influenced by market risk (volatility). … A stock with a beta greater than one is more sensitive to broader market movements than a stock with a beta of less than one.

Simply Wall St -

Here's What Intelligent Systems Corporation's (NYSEMKT:INS) ROCE Can Tell Us

Specifically, we'll consider its Return On Capital Employed (ROCE), since that will give us an insight into how efficiently the business can generate profits from the capital it requires. … What is Return On Capital Employed (ROCE)? … ROCE measures the amount of pre-tax profits a company can generate from the capital employed in its business.

Simply Wall St -

Company Info

Description

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.

Details
Name: Intelligent Systems Corporation
INS
Exchange: AMEX
Founded: 1973
$356,606,306
8,850,988
Website: http://www.intelsys.com
Address: Intelligent Systems Corporation
4355 Shackleford Road,
Norcross,
Georgia, 30093,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
AMEX INS Common Stock NYSE MKT LLC US USD 02. Dec 1991
Number of employees
Current staff
Staff numbers
430
Intelligent Systems employees.
Industry
Application Software
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/22 01:53
End of day share price update: 2019/07/19 00:00
Last estimates confirmation: 2019/03/13
Last earnings filing: 2019/05/03
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.