CCRD · Corecard Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | $9.64M | $9.38M | - | $9.00M | $9.09M | $9.50M | - | $9.28M | $9.30M | $9.80M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | $3.19M | $2.57M | - | $2.50M | $1.95M | $1.51M | - | $2.49M | $2.09M | $1.51M |
| SG&A | $2.04M | $1.79M | - | $1.34M | $1.49M | $1.43M | - | $1.16M | $1.52M | $1.55M |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | $745.0K | - | - | - | $1.02M | - | - | - | $1.70M |
| Operating Income | $2.66M | $2.81M | - | $2.79M | $1.15M | $527.0K | - | $413.0K | $2.68M | $1.82M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - |
| Income Tax | $703.0K | $603.0K | - | $732.0K | $289.0K | $149.0K | - | ($72.0K) | $618.0K | $413.0K |
| Net Income | $1.98M | $1.91M | - | $2.20M | $896.0K | $430.0K | - | ($222.0K) | $1.88M | $1.26M |
| EPS - Basic | $0.25 | $0.24 | - | $0.28 | $0.11 | $0.05 | - | ($0.03) | $0.22 | $0.15 |
| EPS - Diluted | $0.24 | $0.24 | - | $0.27 | $0.11 | $0.05 | - | ($0.03) | $0.22 | $0.15 |
Balance Sheet
| Line item | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $26.62M | $22.07M | $19.48M | $22.50M | $22.59M | $24.06M | $26.92M | $31.61M | $31.00M | $21.69M |
| Accounts Receivable | $6.77M | $8.53M | $10.23M | $7.32M | $7.10M | $8.19M | $7.54M | $5.88M | $6.11M | $14.01M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $1.71M | $1.51M | $823.0K | $1.63M | $1.15M | $1.93M | $1.56M | $1.71M | $1.41M | $1.59M |
| Current Assets | $45.84M | $41.31M | $40.17M | $41.85M | $40.68M | $42.72M | $44.49M | $48.52M | $46.10M | $44.21M |
| Total Assets | $70.93M | $64.39M | $62.34M | $62.81M | $61.56M | $62.09M | $63.83M | $66.78M | $65.96M | $64.57M |
| Current Liabilities | $10.68M | $8.33M | $8.45M | $8.54M | $8.01M | $9.06M | $9.54M | $10.24M | $7.97M | $7.97M |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $14.61M | $10.34M | - | - | - | - | - | - | - | - |
| Stockholders' Equity | $56.32M | $54.06M | $51.70M | $51.69M | $50.85M | $51.65M | $52.70M | $54.27M | $55.58M | $54.00M |
| Retained Earnings | $65.66M | $63.67M | $61.77M | $59.84M | $57.65M | $56.75M | $56.32M | $55.83M | $56.06M | $54.18M |
Cash Flow
| Line item | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | $4.60M | - | - | - | $552.0K | - | - | - | $2.95M |
| Investing Cash Flow | - | ($2.00M) | - | - | - | ($1.78M) | - | - | - | ($1.60M) |
| Financing Cash Flow | - | - | - | - | - | ($1.63M) | - | - | - | - |
| CapEx | - | $1.93M | - | - | - | $1.59M | - | - | - | $1.63M |
| Free Cash Flow | - | $2.67M | - | - | - | ($1.04M) | - | - | - | $1.32M |
Ratios
| Metric | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | 1.40 | - | - | - | -2.42 | - | - | - | 1.05 |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 26.2% | 24.0% | - | 25.0% | 24.4% | 25.7% | - | - | 24.8% | 24.7% |
| Return on assets | 2.8% | 3.0% | - | 3.5% | 1.5% | 0.7% | - | -0.3% | 2.8% | 1.9% |
| Return on equity | 3.5% | 3.5% | - | 4.2% | 1.8% | 0.8% | - | -0.4% | 3.4% | 2.3% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | 4.29 | 4.96 | 4.75 | 4.90 | 5.08 | 4.72 | 4.66 | 4.74 | 5.78 | 5.55 |
| Quick ratio | 4.29 | 4.96 | 4.75 | 4.90 | 5.08 | 4.72 | 4.66 | 4.74 | 5.78 | 5.55 |
| Cash ratio | 2.49 | 2.65 | 2.30 | 2.63 | 2.82 | 2.65 | 2.82 | 3.09 | 3.89 | 2.72 |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 1.26 | 1.19 | 1.21 | 1.22 | 1.21 | 1.20 | 1.21 | 1.23 | 1.19 | 1.20 |
| Liabilities / Assets | 0.21 | 0.16 | - | - | - | - | - | - | - | - |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | 65d | 59d | - | 66d | 46d | 74d | - | 67d | 55d | 59d |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 131.8% | 432.6% | - | 574.3% | -57.2% | -71.0% | - | -75.7% | -22.6% | -84.5% |
| Net income growth (YoY) | 121.4% | 343.3% | - | - | -52.2% | -65.8% | - | - | -34.3% | -85.5% |
| EPS growth (YoY) | 118.2% | 380.0% | - | - | -50.0% | -66.7% | - | - | -33.3% | -85.0% |
| EPS CAGR (3y) | -10.1% | -37.9% | - | -2.4% | -29.9% | -25.3% | - | - | -2.9% | 7.7% |
| EPS CAGR (5y) | 0.0% | 14.9% | - | -4.5% | -13.7% | -26.3% | - | - | 12.9% | 8.4% |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | -12.3% | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 10.8% | 4.7% | -1.9% | -4.8% | -8.5% | -4.4% | -0.1% | 3.9% | 6.6% | 7.5% |
Peer comparison
Same SIC group: Services-Prepackaged Software
Comparing CoreCard Corp against the 5 most active filers in the same SIC group.