Market cap
$184 Mln
Revenue (TTM)
$65 Mln
P/E Ratio
23.8
P/B Ratio
3.7
Div. Yield
0 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 5.43 | 27.52 | 23.61 | -0.34 | 12.62 |
| EBIT | -5.13 | 131.77 | 315.94 | -21.74 | -4.87 |
| Net Profit | 4.09 | 121.43 | 403.90 | -21.75 | -4.40 |
| EPS | 3.70 | 122.15 | 410.91 | -19.86 | -2.31 |
| Book Value | -- | -- | 1.01 | 8.09 | 8.93 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-24 | Dec-23 |
| EBIT-Margin
| 16.49 | 21.02 | 15.94 | 11.39 | 9.48 |
| Net Margin
| 20.16 | 20.68 | 12.36 | -- | -- |
| Return on equity
| 15.20 | 17.24 | 14.84 | 10.44 | 6.44 |
| Return on Capital
| 14.60 | 16.55 | -- | 10.15 | 6.25 |
| Return on Assets
| 12.28 | 13.73 | 10.60 | 8.64 | 5.34 |
| Debt to Equity (x)
| -- | -- | 0.00 | 0.04 | 0.02 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
10.15
|
6.25
|
27.40
|
19.50
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
14.84
Higher than Peers by 8.50
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
14.84
|
10.44
|
6.44
|
28.73
|
20.54
|
|
Peer Median
|
6.34
|
--
|
--
|
--
|
--
|
ROA
10.60
Higher than Peers by 8.94
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
10.60
|
8.64
|
5.34
|
22.87
|
15.70
|
|
Peer Median
|
1.66
|
--
|
--
|
--
|
--
|
EBIT Margin
15.94
Higher than Peers by 11.24
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
15.94
|
11.39
|
9.48
|
28.60
|
24.16
|
|
Peer Median
|
4.71
|
--
|
--
|
--
|
--
|
Net Margin
12.36
Higher than Peers by 5.87
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
12.36
|
9.49
|
6.06
|
20.16
|
18.69
|
|
Peer Median
|
6.49
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
23.61
Lower than Peers by 13.16
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
23.61
|
0.02
|
-0.20
|
0.45
|
0.34
|
|
Peer Median
|
36.77
|
--
|
--
|
--
|
--
|
EBIT Growth
315.94
Higher than Peers by 287.96
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
315.94
|
23.12
|
-73.38
|
71.15
|
3.21
|
|
Peer Median
|
27.98
|
--
|
--
|
--
|
--
|
Net Profit Growth
403.90
Higher than Peers by 363.08
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
403.90
|
60.47
|
-75.54
|
53.57
|
10.76
|
|
Peer Median
|
40.82
|
--
|
--
|
--
|
--
|
EPS Growth
410.91
Higher than Peers by 323.07
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
410.91
|
0.65
|
-0.75
|
0.57
|
0.14
|
|
Peer Median
|
87.83
|
--
|
--
|
--
|
--
|
Book Value Growth
11.11
Lower than Peers by 4.44
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
11.11
|
--
|
--
|
--
|
--
|
|
Peer Median
|
15.55
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
--
--
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
0.04
|
0.02
|
0.04
|
0.06
|
|
Peer Median
|
0.30
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
--
|
--
|
--
|
0.08
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
3.70
Higher than Peers by 1.68
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
3.70
|
4.75
|
4.66
|
5.61
|
3.39
|
|
Peer Median
|
2.03
|
--
|
--
|
--
|
--
|
Quick Ratio
3.70
Higher than Peers by 1.83
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
3.70
|
--
|
4.66
|
5.61
|
--
|
|
Peer Median
|
1.87
|
--
|
--
|
--
|
--
|
Interest Coverage
--
--
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
--
|
--
|
9.68
|
111.03
|
|
Peer Median
|
6.29
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
10.44
Lower than Peers by 1.99
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
10.44
|
17.83
|
13.46
|
18.95
|
11.50
|
|
Peer Median
|
12.43
|
--
|
--
|
--
|
--
|
Asset Turnover
0.86
Higher than Peers by 0.64
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
0.86
|
0.91
|
0.88
|
1.15
|
0.84
|
|
Peer Median
|
0.22
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
56.54
|
67.68
|
49.13
|
33.37
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
0.00
|
0.00
|
0.00
|
0.00
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
12.15
|
17.82
|
26.69
|
27.73
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
44.39
|
49.87
|
22.44
|
5.65
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
23.84
Lower than Peers by 29.24
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
23.84
|
33.94
|
34.17
|
17.80
|
37.48
|
|
Peer Median
|
53.08
|
--
|
--
|
--
|
--
|
Price / Book Value
3.74
Lower than Peers by 0.71
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
3.74
|
3.58
|
2.20
|
4.68
|
7.72
|
|
Peer Median
|
4.45
|
--
|
--
|
--
|
--
|
Dividend Yield
--
--
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EV/EBITDA
13.40
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
13.40
|
16.02
|
7.26
|
8.68
|
20.20
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
184
Lower than Peers by 537
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
|---|---|---|---|---|---|
|
CoreCard Corp (CCRD)
|
184
|
--
|
--
|
--
|
--
|
|
Peer Median
|
720
|
--
|
--
|
--
|
--
|