AMEX:INS

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

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


Market Performance


7 Day Return

5.8%

INS

1.1%

US Software

1.0%

US Market


1 Year Return

387.7%

INS

24.2%

US Software

6.7%

US Market

Return vs Industry: INS exceeded the US Software industry which returned 24.2% over the past year.

Return vs Market: INS exceeded the US Market which returned 6.7% over the past year.


Share holder returns

INSIndustryMarket
7 Day5.8%1.1%1.0%
30 Day12.8%-0.6%-1.8%
90 Day22.2%-3.0%-1.8%
1 Year387.7%387.7%25.9%24.2%9.1%6.7%
3 Year1198.9%1198.9%123.3%114.6%46.1%36.6%
5 Year4487.4%4020.7%180.8%160.4%66.9%48.6%

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

Valuation

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

51.02x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Undervalued: INS ($48.97) is trading above our estimate of fair value ($28.58)

Significantly Undervalued: INS is trading above our estimate of fair value.


Price Based on Earnings

PE vs Industry: INS is poor value based on its PE Ratio (51x) compared to the Software industry average (47.7x).

PE vs Market: INS is poor value based on its PE Ratio (51x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: INS is poor value based on its PEG Ratio (1.7x)


Price Based on Value of Assets

PB vs Industry: INS is overvalued based on its PB Ratio (14.4x) compared to the US Software industry average (5.3x).


Next Steps

Future Growth

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

29.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: INS's forecast earnings growth (29.8% per year) is above the savings rate (2.7%).

Earnings vs Market: INS's earnings (29.8% per year) are forecast to grow faster than the US market (14.5% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: INS's revenue (21.1% per year) is forecast to grow faster than the US market (7.3% per year).

High Growth Revenue: INS's revenue (21.1% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Estimates


Future Return on Equity

High Future ROE: INS's Return on Equity is forecast to be high in 3 years time (25.4%)


Next Steps

Past Performance

How has Intelligent Systems performed over the past 5 years?

77.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: INS has become profitable over the past 5 years, growing earnings by 77.7% per year.

Accelerating Growth: INS's earnings growth over the past year (217%) exceeds its 5-year average (77.7% per year).

Earnings vs Industry: INS earnings growth over the past year (217%) exceeded the Software industry 19.1%.


Return on Equity

High ROE: INS's Return on Equity (28.1%) is considered high.


Return on Assets

ROA vs Industry: INS has a higher Return on Assets than the Software industry average last year.


Return on Capital Employed

ROCE Improving: INS's Return on Capital Employed has declined over the past 3 years.


Next Steps

Financial Health

How is Intelligent Systems's financial position?


Financial Position Analysis

Short Term Liabilities: INS's short term assets ($27.1M) exceeds its short term liabilities ($5.0M)

Long Term Liabilities: INS's short term assets (27.1M) exceeds its long term liabilities (686.0K)


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.


Balance Sheet

Inventory Level: INS has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if INS's debt is covered by short term assets.


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage1.6%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

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.

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.


Next Steps

Management

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

0.8yrs

Average management tenure


CEO

James Strange (77yo)

34.8yrs

Tenure

US$549,125

Compensation

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 ($USD549.13K) is below average for companies of similar size in the US market ($USD1.85M).

Compensation vs Earnings: James's compensation has increased by more than 20% in the past year.


Management Age and Tenure

0.8yrs

Average Tenure

62yo

Average Age

Experienced Management: INS's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Age and Tenure

6.8yrs

Average Tenure

74yo

Average Age

Experienced Board: INS's board of directors are considered experienced (6.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • James Strange (77yo)

    Chairman

    • Tenure: 34.8yrs
    • Compensation: US$549.13k
  • Karen Reynolds (62yo)

    • Tenure: 0.8yrs
    • Compensation: US$182.18k
  • Matt White (37yo)

    VP, CFO & Corporate Secretary

    • Tenure: 0.8yrs

Board Members

  • James Strange (77yo)

    Chairman

    • Tenure: 34.8yrs
    • Compensation: US$549.13k
  • Russ Chandler (74yo)

    Independent Director

    • Tenure: 2.1yrs
  • Phil Moise (68yo)

    Independent Director

    • Tenure: 6.8yrs
    • Compensation: US$35.46k

Company Information

Intelligent Systems Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Intelligent Systems Corporation
  • Ticker: INS
  • Exchange: AMEX
  • Founded: 1973
  • Industry: Application Software
  • Sector: Software
  • Market Cap: US$433.433m
  • Shares outstanding: 8.85m
  • Website: https://www.intelsys.com

Number of Employees


Location

  • Intelligent Systems Corporation
  • 4355 Shackleford Road
  • Norcross
  • Georgia
  • 30093
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
INSAMEX (NYSE MKT LLC)YesCommon StockUSUSDDec 1991

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 23:36
End of Day Share Price2019/10/14 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.

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