What is CoreCard Corporation's earnings per share (EPS)?

CoreCard Corporation (CCRD) reported diluted earnings per share of $0.67 for fiscal year 2024. This represents a 67.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CoreCard Corporation (CCRD) Financials

CCRD

Trailing 12 months to June 30, 2025

Revenue $64.8M +23.6% YoY

Net Income $8.0M +403.9% YoY

EPS (Diluted) $0.99 +421.1% YoY

Free Cash Flow $8.9M +19713.3% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2025, ended Jun 30, 2025 Reported Aug 14, 2025 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2025, filed Aug 14, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CCRD SEC filings page.

CoreCard Corporation (CCRD) reported $64.8M in revenue over the twelve months to Jun 30, 2025, up 23.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CCRD FY2024 2026-08-30

CoreCard’s economics show margin recovery, but cash conversion remains uneven as receivables and shareholder distributions compete for cash.

In FY2024, net income increased to $5.4M while operating cash flow fell to $5.8M, so reported profit converted into materially less cash than the prior year. Accounts receivable rose from $7.5M in FY2023 to $10.2M in FY2024 even as revenue was nearly unchanged, making working capital—not capital spending—the more visible explanation for the cash squeeze.

The 2023 profit compression was not followed by a full operating reset: gross margin recovered from 34.7% to 37.7% in FY2024, while revenue remained below its FY2022 peak. Margin recovery without comparable volume recovery points to improved cost or revenue mix, not fixed-cost absorption from rapid growth.

A current ratio of 4.8x and debt-to-equity of 0.2x describe a lightly leveraged balance sheet, so the main financial tension is cash timing rather than debt burden. Shareholder distributions remain material: buybacks totaled $7.6M in FY2024 as diluted shares fell to 7.8M, linking capital returns to the decline in reported share count.

Financial Health Signals

Financial Health Score 63/100

Scored against operating companies for FY2024. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of CoreCard Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

CoreCard Corporation has an operating margin of 11.4%, meaning the company retains $11 of operating profit per $100 of revenue. This strong profitability earns a score of 71/100, reflecting efficient cost management and pricing power. This is up from 9.5% the prior year.

Growth

CoreCard Corporation's revenue grew a modest 2.5% year-over-year to $57.4M. This slow but positive growth earns a score of 10/100.

Leverage

CoreCard Corporation carries a low D/E ratio of 0.21, meaning only $0.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 74/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

With a current ratio of 4.75, CoreCard Corporation holds $4.75 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 91/100.

Cash Flow

While CoreCard Corporation generated $5.8M in operating cash flow, capex of $4.9M consumed most of it, leaving $893K in free cash flow. This results in a low score of 56/100, reflecting heavy capital investment rather than weak cash generation.

Returns

CoreCard Corporation earns a strong 10.5% return on equity (ROE), meaning it generates $11 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 74/100. This is up from 6.4% the prior year.

Altman Z-Score Safe

13.63

CoreCard Corporation scores 13.63, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($183.9M) relative to total liabilities ($10.6M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

8/8

CoreCard Corporation passes 8 of 8 computable financial strength tests (1 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.06x

For every $1 of reported earnings, CoreCard Corporation generates $1.06 in operating cash flow ($5.8M OCF vs $5.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$17.6M

YoY+27.5%

QoQ+5.4%

5Y CAGR+16.9%

10Y CAGR+30.7%

CoreCard Corporation generated $17.6M in revenue in Q2 2025. This represents an increase of 27.5% from the same quarter a year earlier. Against the prior quarter it is up 5.4%.

Net Income

$2.0M

YoY+121.4%

QoQ+4.1%

5Y CAGR-2.0%

CoreCard Corporation reported $2.0M in net income in Q2 2025. This represents an increase of 121.4% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.

EPS (Diluted)

$0.24

YoY+118.2%

QoQ0.0%

5Y CAGR0.0%

CoreCard Corporation earned $0.24 per diluted share (EPS) in Q2 2025. This represents an increase of 118.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

EBITDA

Not reported for Q2 2025.

Cash & Balance Sheet

Free Cash Flow

$4.9M

YoY+684.7%

QoQ+84.5%

5Y CAGR+22.5%

CoreCard Corporation generated $4.9M in free cash flow in Q2 2025, representing cash available after capex. This represents an increase of 684.7% from the same quarter a year earlier. Against the prior quarter it is up 84.5%.

Cash & Debt

$26.6M

YoY+17.8%

QoQ+20.6%

5Y CAGR-3.8%

10Y CAGR+3.7%

CoreCard Corporation held $26.6M in cash as of Q2 2025; long-term debt is not reported for that period.

Shares Outstanding

YoY-2.9%

QoQ+0.1%

5Y CAGR-2.7%

10Y CAGR-1.1%

CoreCard Corporation had 8M shares outstanding in Q2 2025. This represents a decrease of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Dividends Per Share

Not reported for Q2 2025.

Margins & Returns

Gross Margin

45.2%

YoY+11.1pp

QoQ+1.4pp

5Y change-8.9pp

10Y change+1.4pp

CoreCard Corporation's gross margin was 45.2% in Q2 2025, indicating the percentage of revenue retained after direct costs. This is up 11.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.4 percentage points.

Operating Margin

15.1%

YoY+6.8pp

QoQ-1.7pp

5Y change-18.4pp

10Y change+95.0pp

CoreCard Corporation's operating margin was 15.1% in Q2 2025, reflecting core business profitability. This is up 6.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.7 percentage points.

Net Margin

11.3%

YoY+4.8pp

QoQ-0.1pp

5Y change-16.0pp

10Y change+76.9pp

CoreCard Corporation's net profit margin was 11.3% in Q2 2025, showing the share of revenue converted to profit. This is up 4.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Return on Equity

3.5%

YoY+1.8pp

QoQ0.0pp

5Y change-1.9pp

10Y change+6.6pp

CoreCard Corporation's ROE was 3.5% in Q2 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Capital Allocation

R&D Spending

$3.2M

YoY+63.3%

QoQ+24.0%

5Y CAGR+28.2%

10Y CAGR+16.1%

CoreCard Corporation invested $3.2M in research and development in Q2 2025. This represents an increase of 63.3% from the same quarter a year earlier. Against the prior quarter it is up 24.0%.

Capital Expenditures

$1.2M

YoY+1.7%

QoQ-38.7%

5Y CAGR-11.9%

10Y CAGR+19.0%

CoreCard Corporation invested $1.2M in capex in Q2 2025, funding long-term assets and infrastructure. This represents an increase of 1.7% from the same quarter a year earlier. Against the prior quarter it is down 38.7%.

Share Buybacks

Not reported for Q2 2025.

CCRD Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CCRD quarterly income statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Revenue	$64.8M	$57.4M+2.5%	$56.0M-19.7%	$69.8M+44.6%	$48.2M+34.5%	$35.9M+4.6%	$34.3M+70.7%	$20.1M+116.1%	$9.3M+13.7%	$8.2M+71.0%	$4.8M+14.2%	$4.2M-74.3%	$16.3M-1.3%	$16.5M+1.3%	$16.3M+5.7%	$15.4M
Cost of Revenue	$36.2M	$35.8M-2.2%	$36.6M+12.0%	$32.7M+42.6%	$22.9M+48.5%	$15.4M+31.2%	$11.8M+38.0%	$8.5M+90.7%	$4.5M+12.4%	$4.0M+56.0%	$2.5M+23.1%	$2.1M-76.0%	$8.6M-3.9%	$9.0M+8.6%	$8.3M+2.3%	$8.1M
Gross Profit	$28.6M	$21.6M+11.3%	$19.4M-47.6%	$37.1M+46.4%	$25.3M+24.0%	$20.4M-9.3%	$22.5M+94.7%	$11.6M+139.6%	$4.8M+15.0%	$4.2M+88.2%	$2.2M+5.5%	$2.1M-72.5%	$7.7M+1.8%	$7.6M-6.3%	$8.1M+9.4%	$7.4M
R&D Expenses	$11.2M	$8.9M+5.1%	$8.5M-27.5%	$11.7M+32.1%	$8.9M+71.9%	$5.2M-6.6%	$5.5M+64.5%	$3.4M-23.2%	$4.4M+59.4%	$2.7M-4.8%	$2.9M-9.8%	$3.2M+19.0%	$2.7M+7.5%	$2.5M-4.6%	$2.6M+19.7%	$2.2M
SG&A Expenses	$6.7M	$5.8M+8.2%	$5.3M+4.3%	$5.1M+12.4%	$4.5M+17.7%	$3.9M+10.6%	$3.5M+91.4%	$1.8M+15.0%	$1.6M-11.6%	$1.8M-7.1%	$1.9M+103.7%	$950K-64.6%	$2.7M-11.2%	$3.0M-0.5%	$3.0M+8.2%	$2.8M
Operating Income	$10.3M	$6.5M+23.1%	$5.3M-73.4%	$20.0M+71.2%	$11.7M+3.2%	$11.3M-15.6%	$13.4M+117.9%	$6.1M+508.9%	-$1.5M-118.6%	-$687K+75.7%	-$2.8M-23.0%	-$2.3M-616.7%	$444K+370.7%	-$164K-152.7%	$311K+37.6%	$226K
EBITDA	N/A	$10.1M-12.6%	$11.6M-54.9%	$25.6M+66.0%	$15.5M+15.0%	$13.4M-6.7%	$14.4M+113.1%	$6.8M+676.5%	-$1.2M-167.0%	-$439K+83.1%	-$2.6M-21.8%	-$2.1M-343.3%	$879K+144.8%	$359K-51.9%	$746K+2.5%	$728K
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1K	N/A	N/A	N/A
Income Tax	$2.3M	$1.5M+32.1%	$1.1M-78.6%	$5.2M+89.2%	$2.7M+10.4%	$2.5M-3.1%	$2.5M+63550.0%	$4K-85.7%	$28K+1033.3%	-$3K-200.0%	$3K-83.3%	$18K-73.9%	$69K-13.8%	$80K-14.0%	$93K-28.5%	$130K
Net Income	$8.0M	$5.4M+60.5%	$3.4M-75.5%	$13.9M+53.6%	$9.0M+10.8%	$8.2M-25.6%	$11.0M+75.7%	$6.2M+1569.5%	$374K+133.6%	-$1.1M-106.2%	$18.0M+23810.5%	-$76K-107.0%	$1.1M+103.0%	$534K-49.4%	$1.1M+279.5%	$278K
EPS (Basic)	N/A	$0.68+70.0%	$0.40-75.3%	$1.62+57.3%	$1.03+13.2%	$0.91-26.6%	$1.24+74.6%	$0.71+1675.0%	$0.04+130.8%	-$0.13-106.3%	$2.05+20600.0%	-$0.01-108.3%	$0.12+100.0%	$0.06-45.5%	$0.11+450.0%	$0.02
EPS (Diluted)	$0.99	$0.67+67.5%	$0.40-75.2%	$1.61+56.3%	$1.03+13.2%	$0.91-25.4%	$1.22+74.3%	$0.70+1650.0%	$0.04+130.8%	-$0.13-106.4%	$2.02+20300.0%	-$0.01-108.3%	$0.12+100.0%	$0.06-45.5%	$0.11+450.0%	$0.02
Diluted Shares (Avg)	N/A	8M-3.9%	8M-1.4%	9M-2.4%	9M-2.3%	9M+0.5%	9M+0.2%	9M+0.8%	9M+1.7%	9M-2.0%	9M-0.5%	9M0.0%	9M-0.1%	9M-0.1%	9M+0.2%	9M

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Revenue	$17.6M+27.5%	$16.7M+27.6%	$14.8M+21.9%	$15.7M+17.2%	$13.8M-12.1%	$13.1M-11.4%	$12.2M-23.2%	$13.4M-7.3%
Cost of Revenue	$9.6M+6.0%	$9.4M-1.3%	$8.2M-0.1%	$9.0M-3.0%	$9.1M-2.2%	$9.5M-3.1%	$8.2M-7.3%	$9.3M+10.1%
Gross Profit	$8.0M+69.0%	$7.3M+104.4%	$6.6M+67.5%	$6.7M+62.7%	$4.7M-26.4%	$3.6M-27.8%	$4.0M-43.2%	$4.1M-31.6%
R&D Expenses	$3.2M+63.3%	$2.6M+70.5%	$3.0M+23.9%	$2.5M+0.5%	$2.0M-6.7%	$1.5M-0.4%	$2.4M-14.4%	$2.5M-20.5%
SG&A Expenses	$2.0M+36.6%	$1.8M+25.7%	$1.5M+35.8%	$1.3M+15.9%	$1.5M-1.7%	$1.4M-7.9%	$1.1M+4.6%	$1.2M+4.3%
Operating Income	$2.7M+131.8%	$2.8M+432.6%	$2.1M+426.1%	$2.8M+574.3%	$1.1M-57.2%	$527K-71.0%	$395K-87.0%	$413K-75.7%
EBITDA	N/A	$3.6M+128.9%	N/A	N/A	N/A	$1.6M-55.8%	$1.6M-67.8%	$1.8M-41.2%
Income Tax	$703K+143.3%	$603K+304.7%	$286K+100.0%	$732K+1116.7%	$289K-53.2%	$149K-63.9%	$143K-82.0%	-$72K-116.3%
Net Income	$2.0M+121.4%	$1.9M+343.3%	$1.9M+296.3%	$2.2M+1089.2%	$896K-52.2%	$430K-65.8%	$486K-51.2%	-$222K-116.3%
EPS (Basic)	$0.25+127.3%	$0.24+380.0%	$0.24+300.0%	$0.28+1033.3%	$0.11-50.0%	$0.05-66.7%	$0.06-50.0%	-$0.03-118.8%
EPS (Diluted)	$0.24+118.2%	$0.24+380.0%	$0.24+300.0%	$0.27+1000.0%	$0.11-50.0%	$0.05-66.7%	$0.06-50.0%	-$0.03-118.8%
Diluted Shares (Avg)	8M-0.3%	8M-2.0%	N/A	8M-5.2%	8M-4.4%	8M-3.3%	N/A	8M-1.2%

Not reported in any period shown, so not listed: Interest Expense.

CCRD Balance Sheet

CCRD quarterly balance sheet

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Total Assets	$62.3M-2.3%	$63.8M+0.9%	$63.2M+8.7%	$58.1M+2.0%	$57.0M+28.9%	$44.2M+51.0%	$29.3M+34.6%	$21.8M-4.1%	$22.7M-13.3%	$26.2M+184.3%	$9.2M-13.4%	$10.6M+7.0%	$9.9M-1.7%	$10.1M+0.1%	$10.1M
Current Assets	$40.2M-9.7%	$44.5M+5.1%	$42.3M+14.9%	$36.8M-13.3%	$42.5M+17.8%	$36.1M+45.6%	$24.8M+37.2%	$18.1M-12.5%	$20.6M-15.7%	$24.5M+252.6%	$6.9M-9.2%	$7.6M+7.3%	$7.1M-1.3%	$7.2M+3.1%	$7.0M
Cash & Equivalents	$19.5M-27.6%	$26.9M+32.0%	$20.4M-30.2%	$29.2M-23.0%	$38.0M+43.7%	$26.4M+39.6%	$18.9M+34.9%	$14.0M-20.9%	$17.7M-1.9%	$18.1M+588.2%	$2.6M-23.6%	$3.4M+46.3%	$2.3M-25.5%	$3.2M+7.1%	$2.9M
Short-Term Investments	$5.4M+3.4%	$5.2M+5.2%	$5.0M	$0	$0	$0-100.0%	$349K-20.3%	$438K+4.8%	$418K+5.6%	$396K-14.5%	$463K+31.9%	$351K+30.0%	$270K+29.2%	$209K	$0
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.0M-5.8%	$1.1M+25.4%	$882K+7.0%	$824K-1.1%	$833K
Accounts Receivable	$10.2M+35.8%	$7.5M-43.0%	$13.2M+138.3%	$5.5M+69.6%	$3.3M-62.7%	$8.8M+134.8%	$3.7M+208.9%	$1.2M-9.1%	$1.3M+38.1%	$962K+92.0%	$501K-79.4%	$2.4M-20.1%	$3.0M+21.3%	$2.5M+12.4%	$2.2M
Long-Term Investments	$3.8M-7.0%	$4.1M-21.6%	$5.2M-18.5%	$6.4M+230.8%	$1.9M-37.7%	$3.1M+305.4%	$760K-26.6%	$1.0M-18.6%	$1.3M+25.3%	$1.0M-36.8%	$1.6M-2.7%	$1.6M+5.8%	$1.6M+21.0%	$1.3M+0.2%	$1.3M
Total Liabilities	$10.6M-4.3%	$11.1M+6.2%	$10.5M-26.7%	$14.3M+10.9%	$12.9M+85.2%	$7.0M+105.5%	$3.4M+45.4%	$2.3M+206.9%	$758K+506.4%	$125K-71.5%	$438K-75.9%	$1.8M-20.8%	$2.3M-22.3%	$3.0M-24.7%	$3.9M
Current Liabilities	$8.5M-11.4%	$9.5M+26.5%	$7.5M-30.5%	$10.9M+7.9%	$10.1M+62.5%	$6.2M+89.3%	$3.3M+43.8%	$2.3M	N/A	N/A	N/A	N/A	N/A	$2.9M-16.2%	$3.4M
Non-Current Liabilities	$2.2M+38.4%	$1.6M-45.9%	$2.9M-14.5%	$3.4M+21.7%	$2.8M+271.0%	$758K+582.9%	$111K+117.6%	$51K	N/A	N/A	N/A	-$889K-70.3%	-$522K-686.5%	$89K-82.3%	$504K
Total Equity	$51.7M-1.9%	$52.7M-0.1%	$52.8M+20.3%	$43.9M-0.6%	$44.2M+18.4%	$37.3M+43.9%	$25.9M+33.2%	$19.5M-11.4%	$21.9M-15.7%	$26.0M+197.1%	$8.8M-0.4%	$8.8M+15.3%	$7.6M+6.8%	$7.1M+16.0%	$6.2M
Retained Earnings	$61.8M+9.7%	$56.3M+6.4%	$52.9M+35.6%	$39.0M+30.1%	$30.0M+37.4%	$21.8M+100.9%	$10.9M+134.8%	$4.6M+8.8%	$4.3M-19.2%	$5.3M+141.3%	-$12.8M-0.6%	-$12.7M+7.9%	-$13.8M+3.7%	-$14.3M+6.9%	-$15.3M

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Total Assets	$70.9M+15.2%	$64.4M+3.7%	$62.3M-2.3%	$62.8M-6.0%	$61.6M-6.7%	$62.1M-3.8%	$63.8M+0.9%	$66.8M+4.5%
Current Assets	$45.8M+12.7%	$41.3M-3.3%	$40.2M-9.7%	$41.9M-13.8%	$40.7M-11.8%	$42.7M-3.4%	$44.5M+5.1%	$48.5M+20.0%
Cash & Equivalents	$26.6M+17.8%	$22.1M-8.3%	$19.5M-27.6%	$22.5M-28.8%	$22.6M-27.1%	$24.1M+10.9%	$26.9M+32.0%	$31.6M+16.8%
Short-Term Investments	$5.6M+7.3%	$5.6M+5.1%	$5.4M+3.4%	$5.5M+7.1%	$5.3M+3.1%	$5.3M+5.0%	$5.2M+5.2%	$5.1M+423.6%
Accounts Receivable	$6.8M-4.6%	$8.5M+4.1%	$10.2M+35.8%	$7.3M+24.6%	$7.1M+16.2%	$8.2M-41.6%	$7.5M-43.0%	$5.9M-24.8%
Long-Term Investments	$3.2M-12.3%	$3.3M-12.5%	$3.8M-7.0%	$3.6M-0.1%	$3.6M-19.4%	$3.8M-21.7%	$4.1M-21.6%	$3.6M-44.5%
Total Liabilities	$14.6M+36.5%	$10.3M-1.0%	$10.6M-4.3%	$11.1M-11.1%	$10.7M+3.1%	$10.4M-1.2%	$11.1M+6.2%	$12.5M+7.3%
Current Liabilities	$10.7M+33.3%	$8.3M-8.0%	$8.5M-11.4%	$8.5M-16.6%	$8.0M+0.5%	$9.1M+13.7%	$9.5M+26.5%	$10.2M+27.2%
Non-Current Liabilities	$3.9M+45.8%	$2.0M+45.1%	$2.2M+38.4%	$2.6M+13.6%	$2.7M+11.9%	$1.4M-46.9%	$1.6M-45.9%	$2.3M-37.1%
Total Equity	$56.3M+10.8%	$54.1M+4.7%	$51.7M-1.9%	$51.7M-4.8%	$50.8M-8.5%	$51.6M-4.4%	$52.7M-0.1%	$54.3M+3.9%
Retained Earnings	$65.7M+13.9%	$63.7M+12.2%	$61.8M+9.7%	$59.8M+7.2%	$57.6M+2.8%	$56.8M+4.7%	$56.3M+6.4%	$55.8M+7.5%

Not reported in any period shown, so not listed: Inventory, Goodwill, Long-Term Debt.

CCRD Cash Flow Statement

CCRD quarterly cash flow statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Operating Cash Flow	$14.2M	$5.8M-65.5%	$16.8M+70.4%	$9.9M+10.6%	$8.9M-57.5%	$21.0M+98.1%	$10.6M+59.0%	$6.7M+369.8%	-$2.5M-96.3%	-$1.3M+39.2%	-$2.1M-255.6%	-$581K-137.9%	$1.5M+638.6%	-$285K-171.8%	$397K-31.7%	$581K
Depreciation & Amortization	N/A	$3.6M-43.0%	$6.3M+9.8%	$5.7M+50.1%	$3.8M+77.5%	$2.1M+111.3%	$1.0M+64.8%	$614K+86.1%	$330K+33.1%	$248K+14.3%	$217K+40.0%	$155K-64.4%	$435K-16.8%	$523K+20.2%	$435K-13.3%	$502K
Stock-Based Compensation	N/A	$1.3M+772.0%	$150K-28.6%	$210K-34.2%	$319K-17.4%	$386K+102.1%	$191K+208.1%	$62K+19.2%	$52K+67.7%	$31K+63.2%	$19K-61.2%	$49K-40.2%	$82K+3.8%	$79K+83.7%	$43K+437.5%	$8K
Capital Expenditures	$5.3M	$4.9M-6.4%	$5.2M-40.0%	$8.7M+61.0%	$5.4M-21.1%	$6.9M+310.2%	$1.7M+93.8%	$865K-3.2%	$894K+185.6%	$313K+15.1%	$272K+43.9%	$189K-66.2%	$559K+40.1%	$399K-14.0%	$464K+33.0%	$349K
Free Cash Flow	$8.9M	$893K-92.3%	$11.6M+924.4%	$1.1M-67.7%	$3.5M-75.2%	$14.1M+58.2%	$8.9M+53.8%	$5.8M+272.3%	-$3.4M-114.1%	-$1.6M+32.8%	-$2.3M-203.6%	-$770K-178.9%	$976K+242.7%	-$684K-920.9%	-$67K-128.9%	$232K
Investing Cash Flow	-$5.7M	-$5.5M+17.2%	-$6.6M+51.0%	-$13.5M-68.7%	-$8.0M-3.3%	-$7.7M-134.8%	-$3.3M-73.5%	-$1.9M-57.3%	-$1.2M-129.6%	$4.1M+681.9%	-$702K-368.0%	-$150K+65.8%	-$438K+14.3%	-$511K-494.2%	-$86K+75.4%	-$349K
Financing Cash Flow	N/A	-$7.6M-109.1%	-$3.7M+31.5%	-$5.3M+44.3%	-$9.6M-484.6%	-$1.6M-880.5%	$210K+89.2%	$111K	N/A	-$3.0M	N/A	N/A	N/A	N/A	N/A	-$116K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$3.1M	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	$7.6M+109.1%	$3.7M-31.5%	$5.3M-44.9%	$9.7M+491.1%	$1.6M	N/A	N/A	N/A	N/A	$692K	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Operating Cash Flow	$6.1M+241.9%	$4.6M+733.3%	$762K+152.8%	$2.7M-13.8%	$1.8M-85.3%	$552K-81.3%	-$1.4M-45.2%	$3.1M-67.0%
Depreciation & Amortization	N/A	$745K-27.3%	$790K-36.5%	N/A	N/A	$1.0M-39.5%	$1.2M-39.6%	$1.4M+4.1%
Stock-Based Compensation	$672K+58.1%	$473K+195.6%	N/A	$274K	$425K+183.3%	$160K	N/A	$0
Capital Expenditures	$1.2M+1.7%	$1.9M+20.8%	$1.2M+193.8%	$980K+17.8%	$1.2M-51.4%	$1.6M-2.1%	$400K-66.7%	$832K-53.0%
Free Cash Flow	$4.9M+684.7%	$2.7M+357.0%	-$413K+77.6%	$1.7M-25.3%	$629K-93.6%	-$1.0M-178.9%	-$1.8M+16.1%	$2.3M-70.2%
Investing Cash Flow	-$1.2M-2.2%	-$2.0M-12.1%	-$1.5M-31.7%	-$1.1M+26.6%	-$1.1M+53.1%	-$1.8M-11.2%	-$1.1M+78.0%	-$1.4M+46.5%
Financing Cash Flow	N/A	N/A	-$2.2M-4.8%	-$1.7M-57.1%	-$2.1M-371.5%	-$1.6M	-$2.1M-625.3%	-$1.1M+20.1%
Share Buybacks	N/A	N/A	$2.2M+4.8%	$1.7M+57.1%	$2.1M+371.5%	$1.6M	$2.1M+625.3%	$1.1M-20.1%

Not reported in any period shown, so not listed: Dividends Paid.

CCRD Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CCRD quarterly financial ratios

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Gross Margin	37.7%+3.0pp	34.7%-18.5pp	53.2%+0.7pp	52.5%-4.5pp	57.0%-8.7pp	65.7%+8.1pp	57.6%+5.6pp	51.9%+0.6pp	51.4%+4.7pp	46.7%-3.9pp	50.5%+3.4pp	47.1%+1.4pp	45.7%-3.7pp	49.4%+1.7pp	47.7%
Operating Margin	11.4%+1.9pp	9.5%-19.1pp	28.6%+4.4pp	24.2%-7.3pp	31.5%-7.5pp	39.0%+8.5pp	30.6%+46.7pp	-16.2%-7.8pp	-8.4%+50.6pp	-59.0%-4.2pp	-54.8%-57.5pp	2.7%+3.7pp	-1.0%-2.9pp	1.9%+0.4pp	1.5%
Net Margin	9.5%+3.4pp	6.1%-13.8pp	19.9%+1.2pp	18.7%-4.0pp	22.8%-9.2pp	32.0%+0.9pp	31.1%+27.0pp	4.0%+17.6pp	-13.6%	376.8%	-1.8%-8.5pp	6.6%+3.4pp	3.2%-3.2pp	6.5%+4.7pp	1.8%
Return on Equity	10.5%+4.1pp	6.4%-19.9pp	26.3%+5.7pp	20.6%+2.1pp	18.5%-10.9pp	29.4%+5.3pp	24.1%+22.2pp	1.9%+7.0pp	-5.1%-74.3pp	69.2%+70.0pp	-0.9%-13.2pp	12.3%+5.3pp	7.0%-7.8pp	14.8%+10.3pp	4.5%
Return on Assets	8.7%+3.4pp	5.3%-16.6pp	21.9%+6.4pp	15.5%+1.2pp	14.3%-10.5pp	24.8%+3.5pp	21.3%+19.6pp	1.7%+6.6pp	-4.9%-73.8pp	68.8%+69.7pp	-0.8%-11.0pp	10.2%+4.8pp	5.4%-5.1pp	10.4%+7.7pp	2.8%
Current Ratio	4.75+0.1x	4.66-0.9x	5.61+2.2x	3.39-0.8x	4.22-1.6x	5.83-1.7x	7.57-0.4x	7.94	N/A	N/A	N/A	N/A	N/A	2.52+0.5x	2.05
Debt-to-Equity	0.210.0x	0.210.0x	0.20-0.1x	0.330.0x	0.29+0.1x	0.19+0.1x	0.130.0x	0.12+0.1x	0.030.0x	0.000.0x	0.05-0.2x	0.21-0.1x	0.30-0.1x	0.41-0.2x	0.64
Asset Turnover	0.920.0x	0.88-0.2x	1.10+0.3x	0.83+0.2x	0.63-0.1x	0.78+0.1x	0.69+0.3x	0.43+0.1x	0.36+0.2x	0.18-0.3x	0.45-1.1x	1.54-0.1x	1.660.0x	1.62+0.1x	1.53
FCF Margin	1.6%-19.1pp	20.6%+19.0pp	1.6%-5.6pp	7.2%-32.0pp	39.3%+13.3pp	26.0%-2.8pp	28.8%+64.9pp	-36.1%-16.9pp	-19.2%+29.7pp	-48.9%-30.5pp	-18.4%-24.4pp	6.0%+10.1pp	-4.1%-3.7pp	-0.4%-1.9pp	1.5%

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Gross Margin	45.2%+11.1pp	43.8%+16.4pp	44.8%+12.2pp	42.7%+11.9pp	34.1%-6.6pp	27.4%-6.2pp	32.6%-11.5pp	30.8%-10.9pp
Operating Margin	15.1%+6.8pp	16.8%+12.8pp	14.0%+10.8pp	17.7%+14.7pp	8.3%-8.8pp	4.0%-8.3pp	3.3%-15.9pp	3.1%-8.7pp
Net Margin	11.3%+4.8pp	11.4%+8.1pp	13.0%+9.0pp	14.0%+15.6pp	6.5%-5.5pp	3.3%-5.2pp	4.0%-2.3pp	-1.7%-11.1pp
Return on Equity	3.5%+1.8pp	3.5%+2.7pp	3.7%+2.8pp	4.3%+4.7pp	1.8%-1.6pp	0.8%-1.5pp	0.9%-1.0pp	-0.4%-3.0pp
Return on Assets	2.8%+1.3pp	3.0%+2.3pp	3.1%+2.3pp	3.5%+3.8pp	1.5%-1.4pp	0.7%-1.3pp	0.8%-0.8pp	-0.3%-2.5pp
Current Ratio	4.29-0.8x	4.96+0.2x	4.75+0.1x	4.90+0.2x	5.08-0.7x	4.71-0.8x	4.66-0.9x	4.74-0.3x
Debt-to-Equity	0.260.0x	0.190.0x	0.210.0x	0.220.0x	0.210.0x	0.200.0x	0.210.0x	0.230.0x
Asset Turnover	0.250.0x	0.260.0x	0.240.0x	0.250.0x	0.220.0x	0.210.0x	0.19-0.1x	0.200.0x
FCF Margin	28.1%+23.5pp	16.0%+24.0pp	-2.8%+12.4pp	10.9%-6.2pp	4.6%-57.8pp	-8.0%-16.9pp	-15.2%-1.3pp	17.2%-36.3pp

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CoreCard Corporation CCRD	FY2024	$57.4M	$5.4M	9.5%	$183.9M	63/100
WM TECHNOLOGY INC A MAPS	FY2025	$174.7M	$2.0M	1.1%	$45.4M	—
Asure Software, Inc ASUR	FY2025	$140.5M	-$13.1M	-9.3%	$234.2M	42/100
eGain Corporation EGAN	FY2026	$91.1M	$8.9M	9.7%	$140.3M	52/100
Immersion Corp IMMR	FY2026	$1.7B	$4.5M	0.3%	$239.4M	76/100
Digimarc Corporation DMRC	FY2025	$33.9M	-$32.3M	-95.3%	$112.4M	36/100

Where CoreCard Corporation Ranks

Frequently Asked Questions

What is CoreCard Corporation's annual revenue?

CoreCard Corporation (CCRD) reported $57.4M in total revenue for fiscal year 2024. This represents a 2.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CoreCard Corporation's revenue growing?

CoreCard Corporation (CCRD) revenue grew by 2.5% year-over-year, from $56.0M to $57.4M in fiscal year 2024.

Is CoreCard Corporation profitable?

Yes, CoreCard Corporation (CCRD) reported a net income of $5.4M in fiscal year 2024, with a net profit margin of 9.5%.

What is CoreCard Corporation's EBITDA?

CoreCard Corporation (CCRD) had EBITDA of $10.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

What is CoreCard Corporation's gross margin?

CoreCard Corporation (CCRD) had a gross margin of 37.7% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.

What is CoreCard Corporation's operating margin?

CoreCard Corporation (CCRD) had an operating margin of 11.4% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is CoreCard Corporation's net profit margin?

CoreCard Corporation (CCRD) had a net profit margin of 9.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is CoreCard Corporation's return on equity (ROE)?

CoreCard Corporation (CCRD) has a return on equity of 10.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is CoreCard Corporation's free cash flow?

CoreCard Corporation (CCRD) generated $893K in free cash flow during fiscal year 2024. This represents a -92.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is CoreCard Corporation's operating cash flow?

CoreCard Corporation (CCRD) generated $5.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are CoreCard Corporation's total assets?

CoreCard Corporation (CCRD) had $62.3M in total assets as of fiscal year 2024, including both current and long-term assets.

What are CoreCard Corporation's capital expenditures?

CoreCard Corporation (CCRD) invested $4.9M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How much does CoreCard Corporation spend on research and development?

CoreCard Corporation (CCRD) invested $8.9M in research and development during fiscal year 2024.

Does CoreCard Corporation buy back shares?

Yes, CoreCard Corporation (CCRD) spent $7.6M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does CoreCard Corporation have outstanding?

CoreCard Corporation (CCRD) had 8M shares outstanding as of fiscal year 2024.

What is CoreCard Corporation's current ratio?

CoreCard Corporation (CCRD) had a current ratio of 4.75 as of fiscal year 2024, which is generally considered healthy.

What is CoreCard Corporation's debt-to-equity ratio?

CoreCard Corporation (CCRD) had a debt-to-equity ratio of 0.21 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CoreCard Corporation's return on assets (ROA)?

CoreCard Corporation (CCRD) had a return on assets of 8.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is CoreCard Corporation's Altman Z-Score?

CoreCard Corporation (CCRD) has an Altman Z-Score of 13.63, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is CoreCard Corporation's Piotroski F-Score?

CoreCard Corporation (CCRD) has a Piotroski F-Score of 8 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CoreCard Corporation's earnings high quality?

CoreCard Corporation (CCRD) has an earnings quality ratio of 1.06x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is CoreCard Corporation?

CoreCard Corporation (CCRD) scores 63 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.