CoreCard Corporation, together with its subsidiaries, offers technology solutions and processing services to the financial technology and services market in the United States, European Union, 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 associations. 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.

CoreCard Corporation

Amazon Pay is an online payment service that enables businesses to accept payments from customers using their Amazon accounts.

Amazon Pay

Blue Canopy Marketing provides concierge marketing services that aim to align businesses with their target markets by developing customized strategies.

Blue Canopy Marketing

Braintree provides online payment solutions and acts as a global payment processor. It offers tools for fraud detection and prevention, data security, and various payment methods.

Braintree

CoreCard is a global issuer processor offering end-to-end solutions across credit, prepaid, and debit with a focus on digital-first and API-centric services. The company provides a platform designed for fast implementations and customizations in the financial services sector.

CoreCard

CoreCard Software, Inc. | 9,861 followers on LinkedIn. Issuer Processing | CoreCard is a leading issuer-processor and provider of card management and transaction processing systems.  CoreCard offers an array of account management and system of record solutions to support the complex requirements of the evolving global financial services industry. The CoreCard platform provides the market&#39;s most feature-rich design for card processing and managing accounts.

Marketing and Public Relations Strategist - Currently looking for full-time or freelance opportunities -

Sharon Cuppett

Digital First, Banking and Payment Solutions Sales Exec

Jim Cahill

Vice President, Database Engineering & Operations at CoreCard Software, Inc.

Alok Bhatt

Chief Operating Officer at CoreCard

Mark Raleigh

CoreCard Software, Inc.

Last chance to register! Join us today, Tuesday, October 22nd, at 12-1 pm PT / 2-3 pm ET for our virtual roundtable on innovative credit card processing. We have partnered with American Banker on a virtual roundtable to help mid-size banks and credit unions take their credit card program to the next level. Hear from industry experts Michael Moser, Scott Abramowitz, and Shivani Kulkarni as they discuss value prop optimization, omnichannel experiences, data-driven strategies, and more. Register now: https://lnkd.in/ghm56Jbi #creditcards #fintech #innovation #lastchance

Join us for our webinar tomorrow, Tuesday, October 22nd, at 11-12 am PT / 2-3 pm ET! Don't miss this opportunity to learn how to elevate your credit card program with innovative processing solutions. Hear from industry experts Michael Moser, Scott Abramowitz, and Shivani Kulkarni as they discuss value prop optimization, omnichannel experiences, data-driven strategies, and more. Register now: https://lnkd.in/ghm56Jbi #creditcards #fintech #innovation

Are you ready to elevate your credit card program? We have partnered with American Banker to host a virtual roundtable on Tuesday, October 22nd at 11-12 pm PT / 2-3 pm ET to discover how innovative processing solutions can help mid-size banks and credit unions: + Optimize your value proposition: Make your card top of wallet by focusing on what truly matters to your customers. + Deliver exceptional customer experiences: Provide seamless experiences across all channels, from branch to mobile. + Harness the power of data: Target and segment your customers effectively using data-driven strategies. + Leverage technology for innovation: Create cutting-edge credit card offerings with the latest technological advancements. + Enhance customer engagement: Use real-time data to personalize offers and build stronger relationships. + Find the right processing partner: Discover how to select a partner that aligns with your business goals. Don't miss this opportunity to gain valuable insights from industry experts like Michael Moser, Scott Abramowitz, and Shivani Kulkarni. Register now: https://lnkd.in/ghm56Jbi #creditcards #fintech #innovation

Want to see how other mid-size banks and credit unions have successfully launched new credit card programs? Join our webinar to hear real-life stories of success and learn from the experiences of industry leaders. We'll discuss the challenges they faced, the strategies they employed, and the results they achieved. By learning from the successes and failures of others, you can avoid common pitfalls and make informed decisions. #CoreCard https://lnkd.in/ghm56Jbi

Use real-time data to influence customer behavior and create personalized incentives. Join our webinar on October 22nd and hear from Michael Moser, Scott Abramowitz and Shivani Kulkarni. They'll discuss how to use real-time data to detect fraud, prevent churn, and increase customer satisfaction. #creditcards #realtimedata #customerengagement https://lnkd.in/ghm56Jbi

Harness the power of data to target and segment your customers effectively. Join our webinar on October 22nd and hear from Michael Moser and Scott Abramowitz. Together with our own Shivani Kulkarni, they'll discuss how to leverage data analytics to identify customer trends, personalize offers, and improve marketing campaigns. #creditcards #dataanalytics #customerengagement https://lnkd.in/ghm56Jbi

Provide exceptional customer support and build strong partnerships. Join our webinar on October 22nd and hear from Michael Moser, Scott Abramowitz and Shivani Kulkarni. They'll discuss how to leverage data to deliver true customer-centric support, the benefits of partnering with the right processor, and how to create a seamless customer journey. #creditcards #customersupport #partnership https://lnkd.in/ghm56Jbi

Discover the latest technological advancements that can help you create innovative credit card offerings. Join our webinar on October 22nd and hear from Shivani Kulkarni. She'll discuss the benefits of using technology to enhance the customer experience, improve operational efficiency, and stay ahead of the competition. #creditcards #technology #innovation https://lnkd.in/ghm56Jbi

Partnering with the right technology providers as a bank or credit union can give you a huge competitive advantage. With the right technology partners, you can streamline your operations, reduce costs, and enhance the customer. Join our webinar to learn how to select the best technology partners for your credit card program and leverage their expertise to drive innovation. We'll discuss the benefits of partnering with fintech companies, how to evaluate technology providers, and the importance of integration. https://lnkd.in/ghm56Jbi

Metric
Company Name	CoreCard Corporation	Amazon Pay	Blue Canopy Marketing	Braintree
Symbol	CCRD
MSH ID	COM:CORECARD	COM:AMAZON:PAY	COM:BLUECANOPYMARKETING	COM:BRAINTREEPAYMENTS
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Technology	Financial Services & Finance	Commercial & Professional Services	Financial Services & Finance
Industry	Software - Application	Payment Processing	Marketing Services	Fintech
Country	US	US	US	US
Stage
Employee Count	1.15K
Website	corecard.com	pay.amazon.com	bluecanopymarketing.com	braintreepayments.com
LinkedIn	corecard-software-inc.	amazon-payment-services
Founders

Metric
Market Cap	96.62M
Enterprise Value
Monthly Web Traffic	8.47K	210.79K
Web Traffic Growth	-0.28	0.44
Valuation
Raised Capital

Metric
Revenue	56.00M
Revenue (LTM)
Revenue (NTM)
Gross Profit	19.43M
EBITDA	11.70M
Operating Income	5.31M
Net Income	3.40M
EPS	0.40
Diluted EPS	0.40
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.35
Operating Profit Margin	0.09
EBITDA Margin	0.21
Net Profit Margin	0.06
Return on Equity	0.06
Return on Assets	0.05
Return on Capital Employed	0.10

COM:CORECARD

CoreCard

Last Close

18.65

22/11 21:00

Market Cap

96.62M

Beta: -

Volume Today

86.50K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	25.60
P/B Ratio	1.84
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	2.41
EV Multiple	27.02

Metric
Days Sales Outstanding	35.94
Days Payables Outstanding	16.75
Days Inventory Outstanding	0.00
Operating Cycle	55.02
Cash Conversion Cycle	37.73
Asset Turnover	0.88

Metric
Operating Cash Flow	16.81M
Free Cash Flow	11.56M
Cash Flow to Debt	16.03
Operating Cash Flow/Sales	0.30
Free Cash Flow Yield	0.09

Metric
Cash & Equivalents	26.92M
Accounts Receivable	5.68M
Inventory	1
Goodwill
Debt to Capitalization	0.04
Debt to Assets	0.06
Current Ratio	4.74
Quick Ratio	5.08

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.00
R&D to Revenue	0.15
SG&A to Revenue	0.09