INS Share Price | CoreCard Corp. Stock Analysis & Recommendation

Q: What does CoreCard Corp. do?

Overview:CoreCard Corp. is engaged in providing technology solutions and processing services to the financial technology and services market, operating within the Software Products industry and classified as a micro-cap company.Financial Snapshot:Most recent Net Sales: 17 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025) Market-cap: USD 232.92 Million (Micro Cap)Key Metrics:P/E: 33.00 Dividend Yield: 0.00% Debt Equity: -0.51 Return on Equity: 12.81% Price to Book: 4.31Contact Details:Address: 4355 Shackleford Rd, NORCROSS GA: 30093-2931 Tel: ['1 404 3812900', '1 770 3812900'] Fax: 1 770 3812808 Website: http://www.intelsys.com/

Q: Is CoreCard Corp. technically bullish or bearish?

As of 14 August 2025, the technical trend for CoreCard Corp. has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by a bullish daily moving average and weekly Bollinger Bands indicating bullish momentum. However, the weekly MACD and KST are mildly bearish, and the monthly RSI is bearish, which suggests some caution. In terms of performance, CoreCard Corp. has outperformed the S&P 500 year-to-date with a return of 21.54% compared to 12.22%, and over the past year with a return of 76.52% compared to 17.14%. However, over the longer term, the 5-year and 10-year returns are negative, significantly lagging behind the S&P 500.

Q: Is CoreCard Corp. overvalued or undervalued?

As of 17 October 2025, the valuation grade for CoreCard Corp. has moved from very attractive to attractive. Based on the current metrics, the company appears to be overvalued. The P/E ratio stands at 33, significantly higher than the peer average of 27.79, while the EV to EBITDA ratio is 16.35, which is also above the industry benchmark. Additionally, the PEG ratio is notably low at 0.17, indicating potential overvaluation relative to growth expectations.In comparison to its peers, MoneyLion, Inc. has a P/E of 107.79, and Priority Technology Holdings, Inc. has a P/E of 15.54, suggesting that CoreCard Corp. is positioned in a more expensive range despite its attractive rating. The company has outperformed the S&P 500 over the past year with a return of 115.04% compared to the index's 14.08%, reinforcing the notion that while the stock has shown strong performance, its current valuation may not be justified.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

Shareholding (Mar 2025)

FII

2.55%

Held by 30 FIIs

DII

75.97%

Held by 22 DIIs

Promoter

0.00%

How big is CoreCard Corp.?

22-Jun-2025

As of Jun 18, CoreCard Corp. has a market capitalization of 232.92 million, with net sales of 61.01 million and a net profit of 6.94 million over the latest four quarters. The balance sheet shows shareholder's funds of 51.70 million and total assets of 62.34 million.

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What does CoreCard Corp. do?

22-Jun-2025

CoreCard Corp. provides technology solutions and processing services in the financial technology sector, with recent net sales of $17 million and a net profit of $2 million. It has a market cap of $232.92 million and key metrics include a P/E ratio of 33.00 and a return on equity of 12.81%.

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Who are in the management team of CoreCard Corp.?

22-Jun-2025

As of March 2022, the management team of CoreCard Corp. includes Mr. James Strange as Chairman, President, and CEO, along with independent directors Ms. Elizabeth Camp, Mr. A. Russell Chandler, and Mr. Philip Moise.

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Is CoreCard Corp. technically bullish or bearish?

20-Sep-2025

As of August 14, 2025, CoreCard Corp. is in a mildly bullish trend, outperforming the S&P 500 year-to-date and over the past year, but with caution advised due to mixed technical indicators and negative long-term returns.

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Is CoreCard Corp. overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, CoreCard Corp. is rated attractive but appears overvalued with a P/E ratio of 33 compared to the peer average of 27.79, despite outperforming the S&P 500 with a 115.04% return over the past year.

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Compare CoreCard Corp. with Similar Stocks

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Score

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Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

High Management Efficiency with a high ROE of 16.41%

Company has a low Debt to Equity ratio (avg) at times

The company has declared Positive results for the last 3 consecutive quarters

With ROE of 12.81%, it has a very attractive valuation with a 4.18 Price to Book Value

High Institutional Holdings at 50.84%

Mojo Parameters

Stock DNA

Industry

Software Products

Market cap

USD 191 Million (Micro Cap)

P/E

33.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-0.57

Return on Equity

14.23%

Price to Book

3.39

Revenue and Profits:

Net Sales:

18 Million

(Quarterly Results - Jun 2025)

Net Profit:

2 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-18.48%

6 Months

21.21%

1 Year

57.12%

2 Years

10.44%

3 Years

-3.67%

4 Years

-44.25%

5 Years

-37.76%

CoreCard Corp. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

12.62%

EBIT Growth (5y)

-4.87%

EBIT to Interest (avg)

11.04

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

-0.51

Sales to Capital Employed (avg)

1.09

Tax Ratio

21.62%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

50.84%

ROCE (avg)

52.55%

ROE (avg)

16.41%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

4.18

EV to EBIT

22.51

EV to EBITDA

16.35

EV to Capital Employed

7.51

EV to Sales

3.25

PEG Ratio

0.17

Dividend Yield

ROCE (Latest)

33.38%

ROE (Latest)

12.81%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bearish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 28 Schemes (21.48%)

Foreign Institutions

Held by 30 Foreign Institutions (2.55%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ

Jun'25

Mar'25

Change(%)

Net Sales

17.60

16.70

5.39%

Operating Profit (PBDIT) excl Other Income

3.50

3.60

-2.78%

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

2.00

1.90

5.26%

Operating Profit Margin (Excl OI)

151.40%

168.20%

-1.68%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Jun 2025 is 5.39% vs 12.84% in Mar 2025

Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is 5.26% vs 0.00% in Mar 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

57.40

56.00

2.50%

Operating Profit (PBDIT) excl Other Income

10.10

11.70

-13.68%

Interest

0.00

Exceptional Items

0.00

-1.00

100.00%

Consolidate Net Profit

5.40

3.40

58.82%

Operating Profit Margin (Excl OI)

113.90%

94.80%

1.91%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 2.50% vs -19.77% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 58.82% vs -75.54% in Dec 2023

All Annual Results

Company CV

About CoreCard Corp.

CoreCard Corp.

Software Products

Intelligent Systems Corporation is engaged in the business of providing technology solutions and processing services to the financial technology and services market. The Company's financial transaction solutions and services (FinTech) operations are conducted through its CoreCard Software, Inc. (CoreCard) subsidiary. CoreCard and its affiliate companies in Romania and India, as well as the corporate office provide administrative, human resources and executive management support. The Company also has two subsidiaries, CoreCard SRL in Romania and ISC Software in India, that perform software development and testing, as well as processing operations support for CoreCard. CoreCard designs, develops, and markets a suite of software solutions to accounts receivable businesses, financial institutions, retailers and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, loyalty programs, and accounts receivable and small loan transactions.

Company Coordinates

Company Details

4355 Shackleford Rd , NORCROSS GA : 30093-2931

Tel: 1 404 38129001 770 3812900

http://www.intelsys.com/

Registrar Details

CoreCard Corp.

1Day

52 Week

CASH

FII

DII

Promoter

How big is CoreCard Corp.?

Watch in Real-Time

What does CoreCard Corp. do?

Who are in the management team of CoreCard Corp.?

Is CoreCard Corp. technically bullish or bearish?

Is CoreCard Corp. overvalued or undervalued?

Compare CoreCard Corp. with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

High Management Efficiency with a high ROE of 16.41%

Company has a low Debt to Equity ratio (avg) at times

The company has declared Positive results for the last 3 consecutive quarters

With ROE of 12.81%, it has a very attractive valuation with a 4.18 Price to Book Value

High Institutional Holdings at 50.84%

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Mar 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ

Annual Results Snapshot (Consolidated) - Dec'24

About CoreCard Corp.

Company Coordinates