CoreCard Corporation
NYSE•CCRD
CEO: Mr. James Leland Strange
セクター: Technology
業種: Software - Application
上場日: 1987-01-02
CoreCard Corporation, together with its subsidiaries, offers technology solutions and processing services to the financial technology and services market in the United States, Europe, and the Middle East. It designs, develops, and markets a suite of software solutions to program managers, accounts receivable businesses, financial institutions, retailers, and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, buy now pay later programs, loyalty programs, and accounts receivable and loan transactions. The company's software solutions allow companies to offer various types of transacting account or card issuing program, as well as installment and revolving loans; set up and maintain account data; record advances and payments; assess fees, interests, and other charges; resolve disputes and chargebacks; manage collections of accounts receivable; generate reports; and settle transactions with financial institutions and network schemes. The company was formerly known as Intelligent Systems Corporation and changed its name to CoreCard Corporation in December 2021. CoreCard Corporation was founded in 1973 and is headquartered in Norcross, Georgia.
連絡先情報
時価総額
$183.90M
PER (TTM)
22.9
34.1
配当利回り
--
52週高値
$31.99
52週安値
$16.36
52週レンジ
順位27Top 14.4%
5.4
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q2 2025 データ
売上高
$17.59M+27.52%
直近4四半期の推移
EPS
$0.25+127.27%
直近4四半期の推移
フリーCF
$4.94M+684.74%
直近4四半期の推移
2025 Q2 決算ハイライト
主なハイライト
Strong Revenue Growth Total revenue 34.3M USD, up 27.6% (6M 2025); driven by increased professional services contracts and transaction processing fees.
Net Income Triples Net income 3.9M USD, up 193.4% (6M 2025), reflecting significant operational leverage and higher revenue rates compared to 2024.
Operating Cash Flow Jumps Net cash provided by operations 10.7M USD (6M 2025), a 357.7% increase, primarily due to lower accounts receivable and higher net income.
Gross Margin Expansion Cost of revenue decreased to 55% of total revenue (6M 2025) from 69% (6M 2024), driven by higher rates for professional services.
リスク要因
High Customer Concentration Largest customer, Goldman Sachs, accounted for 63% of 6M 2025 revenue; loss of this customer or service line poses material risk.
Proposed Merger Uncertainty Failure to close the 248M USD Euronet merger by January 30, 2026, could result in a 7.5M USD termination fee payment.
Major Client Portfolio Shift Goldman Sachs transitioning GM co-branded credit card to a new issuer in 2025 creates uncertainty regarding future processing revenue streams.
Equity Investment Losses Investment loss 580.0K USD (6M 2025), primarily from equity method investment in a privately held FinTech identity services company.
見通し
Euronet Merger Expected Proposed merger with Euronet Worldwide Inc. values CoreCard at 248M USD, or 30 USD per share, expected to close Q4 2025.
Future Processing Growth Processing services revenue expected to grow as customer base increases, though new program implementation faces third-party delays.
Share Repurchase Capacity Approximately 7.1M USD remains authorized for common stock repurchases under the existing $20 million program as of June 30, 2025.
Anticipated Tax Benefit Evaluating the OBBBA enactment (July 2025), anticipating a decrease in current year cash tax liability due to accelerated tax recovery.
同業比較
売上高 (TTM)
$1.23B
WALD$514.94M
$363.33M
粗利益率 (最新四半期)
SVCO77.9%
AEYE77.4%
74.7%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| FRGE | $615.95M | -9.5 | -29.8% | 1.8% |
| EB | $430.70M | -39.9 | -6.0% | 23.6% |
| ONTF | $336.73M | -10.8 | -20.6% | 0.6% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
3.9%
緩やかな成長
4四半期純利益CAGR
-3.3%
収益性の安定
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
財務レポート
財務データ
ニュース
全年度
Form 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年8月14日|売上高: $17.59M+27.5%|EPS: $0.25+127.3%予想を下回るForm 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年5月8日|売上高: $16.69M+27.6%|EPS: $0.24+359.8%予想を上回るForm 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年2月28日|売上高: $57.40M+2.5%|EPS: $0.68+70.0%予想を上回るForm 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年10月31日|売上高: $15.70M+17.2%|EPS: $0.28-1168.7%予想を上回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年8月1日|売上高: $13.80M-12.1%|EPS: $0.11-50.0%予想を上回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年5月2日|売上高: $13.08M-11.4%|EPS: $0.05-65.2%予想を上回るForm 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年3月1日|売上高: $56.00M-19.7%|EPS: $0.40-75.3%予想を上回るForm 10-Q - Q3 2023
会計期末: 2023年9月30日|提出日: 2023年11月1日|売上高: $13.40M-7.3%|EPS: $-0.03-116.4%予想を下回る