CoreCard Corporation Financial Ratios — CCRD Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	-23.16	8.34	79.63	66.69	31.37	26.11	30.13	6.21	9.21
Return on Assets (%)	2.76	10.45	5.33	10.54	-0.77	101.87	-4.55	1.68	24.45	29.83	16.12	15.7	22.87	5.34	8.64
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	1.9	4.03	- -	8.5	- -	- -	- -	-7.28	26.89	33.39	20.18	18.92	28.44	7.4	9.67
Gross Margin (%)	47.7	49.39	45.72	47.15	50.54	46.68	51.36	51.29	57.59	65.72	57	52.53	53.18	34.7	37.68
EBITDA Margin (%)	4.71	4.57	2.17	6.97	-51.09	-54.48	-5.37	-12.77	33.61	41.96	37.45	32.03	36.77	20.65	17.6
Operating Margin (%)	1.46	1.91	-0.99	4.31	-54.79	-59.01	-8.4	-16.36	30.56	39.01	31.49	24.16	28.6	9.48	11.39
Incremental Operating Margin (%)	58.4	9.65	- -	-408.96	- -	- -	- -	- -	69.99	50.98	-132.93	2.93	38.55	106.4	88.03
Pretax Margin (%)	1.86	4.59	-0.83	3.3	-51.3	-30.66	-15.31	4.38	31.08	39.4	29.63	24.38	27.28	8.03	12.03
Profit Margin (%)	1.8	6.46	3.23	6.64	-1.82	376.83	-13.6	4.07	31.06	31.98	22.75	18.73	19.9	6.06	9.49
Net Income to Common Margin (%)	1.8	6.46	3.23	6.64	-1.82	376.83	-13.6	4.07	31.06	31.98	22.75	18.73	19.9	6.06	9.49
Effective Tax Rate (%)	45.14	12.4	- -	12.83	- -	- -	- -	6.97	0.06	18.84	23.22	23.16	27.08	24.51	21.09
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	-220.49	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	-74.23	8.34	79.63	66.69	31.37	26.11	30.13	6.21	9.21

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	3	2	1	2
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	3	2	1	2
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.03	0.15	0.18	0.08	0.1	0.18
Net Debt/EBITDA	-4.04	-4.23	-6.54	-3.02	1.23	6.93	40.37	11.97	-2.8	-1.84	-2.83	-1.89	-0.8	-2.33	-1.93
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.03	0.18	0.23	0.1	0.21	0.28
Net Debt/EBIT	-13.02	-10.14	14.31	-4.88	1.14	6.4	25.8	9.34	-3.08	-1.97	-3.36	-2.51	-1.02	-5.07	-2.98
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-151.19	-140.54	-137.56	-118.42	-137.53	20.47	18.7	21.67	37.41	49.58	52.77	67.3	83.84	88.38	99.23
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.23	4.52	6.17	3.75	2.13	3.51
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.05	6.21	6.47	3.6	1.95	2.85
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04	3.5	4.66	3.13	1.76	2.91
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.23	4.52	6.17	3.75	2.13	3.51
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.05	6.21	6.47	3.6	1.95	2.85
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04	3.5	4.66	3.13	1.76	2.91
Net Debt to Equity	-45.53	-44.73	-33.92	-45.81	-39.89	-77.94	-93.63	-72.09	-72.99	-70.84	-85.97	-66.65	-38.66	-51.07	-37.68
Net Debt/Capital (%)	16.43	18.06	14.03	19.81	15.02	115.9	107.45	150.71	237.8	656.76	646.83	-232.13	-58.96	-87.93	-44.08
EBITDA	1	1	- -	1	-2	-3	- -	-1	7	14	13	15	26	12	10
EBITDA-CapEx	- -	- -	- -	1	-2	-3	-1	-2	6	13	7	10	17	6	5
Operating Income (Loss)	- -	- -	- -	1	-2	-3	-1	-2	6	13	11	12	20	5	7

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	0.86	1.17	0.93	1.4	1.28	6.61	4.94	6.36	5.89	4.27	3.77	2.69	3.36	3.37	2.94
Current Ratio	2.05	2.52	2.53	2.82	2.87	8.76	5.62	7.94	7.57	5.83	4.22	3.39	5.61	4.66	4.75
Quick Ratio	1.69	2.13	2.09	2.29	1.48	6.96	5.3	6.89	7.21	5.68	4.1	3.21	5.12	4.16	4.16
CFO/Avg Current Liab	0.17	0.13	-0.1	0.56	-0.23	-0.87	-0.43	-0.83	2.4	2.24	2.58	0.85	1.07	1.97	0.64
Common Equity/Total Assets	-151.19	-140.54	-137.56	-118.42	-137.53	20.47	18.7	21.67	37.41	49.58	52.77	67.3	83.84	88.38	99.23
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.23	4.52	6.17	3.75	2.13	3.51
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.05	6.21	6.47	3.6	1.95	2.85
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04	3.5	4.66	3.13	1.76	2.91
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.23	4.52	6.17	3.75	2.13	3.51
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.05	6.21	6.47	3.6	1.95	2.85
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04	3.5	4.66	3.13	1.76	2.91
CFO/Total Liabilities	16.01	12.98	-9.45	48.99	-22.12	-75.07	-36.49	-106.06	196.75	152.28	162.86	62.46	94.22	151.14	54.52
CFO/CapEx	1.66	0.86	-0.68	2.72	-3.07	-8.29	-4.4	-2.76	7.69	6.32	3.05	1.53	1.13	3.2	1.18
Altman's Z-Score	1.62	2.78	2.38	3.14	1.24	6.21	7.3	11.67	22.93	33.87	19.38	17.28	18.21	9.35	13.54

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	7.91	6.9	5.97	5.97	2.86	6.54	7.14	7.24	8.14	5.49	5.96	10.94	7.43	5.4	6.46
Days Sales Outstanding	46.17	52.89	61.19	61.12	127.62	55.83	51.13	50.44	44.84	66.45	61.2	33.35	49.09	67.64	56.5
Inventory Turnover	8.99	9.97	10.52	8.68	1.93	4.89	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	40.6	36.6	34.7	42.07	189.29	74.57	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	17.7	21.03	23.86	23.1	7.14	17.95	20.99	14.38	28.75	34.84	27.62	13.17	13.68	20.5	30.06
Accounts Payable Turnover Days	20.62	17.36	15.3	15.8	51.1	20.33	17.39	25.39	12.7	10.48	13.21	27.71	26.67	17.81	12.14
Cash Conversion Cycle	66.15	72.13	80.59	87.39	265.81	110.08	33.74	25.05	32.15	55.97	47.98	5.64	22.42	49.83	44.36
Inventory to Cash Days	5.57	16.29	26.48	19.05	-61.66	-18.74	51.13	50.44	44.84	66.45	61.2	33.35	49.09	67.64	56.5
Inventories	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	10	13	11	13	13	26	37	40	114	354	358	341	248	117	182
- Cash & Cash Equivalents	3	3	2	3	3	18	18	14	19	26	38	29	20	27	19
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	-1	-1	-2	-3	-3	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	3	2	1	2
Enterprise Value	8	9	8	8	8	4	16	26	94	328	322	314	225	86	159
Total Capital	-15	-14	-14	-14	-15	2	1	5	11	22	32	42	55	58	64
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.05	6.21	6.47	3.6	1.95	2.85
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.01	0.01	0.01	0.01	0.01
EV/Sales	0.5	0.58	0.47	0.49	1.83	0.88	1.94	2.78	4.7	9.57	8.97	6.51	3.23	1.53	2.77
EV/EBITDA	10.63	12.62	21.42	6.98	- -	- -	- -	- -	13.97	22.82	23.96	20.32	8.77	7.43	15.75
EV/EBIT	34.23	30.27	- -	11.29	- -	- -	- -	- -	15.37	24.54	28.49	26.94	11.28	16.18	24.34
EV/Cash Flow to Firm	13.31	23.71	- -	5.17	- -	- -	- -	- -	14.18	31.03	15.35	35.22	22.81	5.11	27.43
EV/Free Cash Flow to Firm	8.32	10.93	57.38	3.78	- -	- -	- -	- -	12.55	26.79	11.56	21.3	12.1	3.9	14.86
Diluted Market Cap	10	13	11	13	13	26	37	41	116	358	362	342	249	117	185
Diluted Enterprise Value	8	10	8	8	8	5	16	26	97	332	326	315	231	91	167
EV per Share	0.86	1.05	0.86	0.89	0.86	0.48	1.82	2.91	10.73	37.01	36.08	35.78	26.24	10.16	19.83
TTM Sales	15	16	17	16	4	5	8	9	20	34	36	48	70	56	57
TTM EBITDA	1	1	- -	1	-2	-3	- -	-1	7	14	13	15	26	12	10
TTM Operating Income	- -	- -	- -	1	-2	-3	-1	-2	6	13	11	12	20	5	7
TTM Cash Flow to Firm	1	- -	- -	2	-1	-2	-1	-2	7	11	21	9	10	17	6
TTM Free Cash Flow to Firm	1	1	- -	2	- -	-2	-1	-2	8	12	28	15	19	22	11

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	11.17	14.99	82.36	6.21	-33.05	-13.04	-34.81	-25.75	15.37	29.21	12.99	23.19	13.39	5.31	17.27
EV/EBIT	34.23	30.27	- -	11.29	- -	- -	- -	- -	15.37	24.54	28.49	26.94	11.28	16.18	24.34
Enterprise Value	8	9	8	8	8	4	16	26	94	328	322	314	225	86	159
Low Price	0.91	1.13	1.07	1	0.97	1.58	2.71	3.3	4.06	13	23.26	30.52	20.45	12.62	10.02
EV/Sales	0.5	0.58	0.47	0.49	1.83	0.88	1.94	2.78	4.7	9.57	8.97	6.51	3.23	1.53	2.77
EV/EBITDA	10.63	12.62	21.42	6.98	- -	- -	- -	- -	13.97	22.82	23.96	20.32	8.77	7.43	15.75
Price/Earnings	37.34	12.2	20.64	12.03	- -	1.42	- -	106.88	18.2	32.31	43.84	37.68	17.89	34.45	33.45
Price/Earnings Average	33.09	12.32	23.72	10.31	-167.19	1.21	-27.89	96.41	12.33	29.09	39.68	37.31	16.55	60.15	20.71
Price/Earnings High	59.61	25.13	33.22	16.28	-315.89	1.71	-36.06	113.68	21.1	45.49	49.7	53	24.36	88.39	35.69
Price/Earnings Low	29.32	9.59	17.95	8.26	-114.33	0.77	-21.29	77.35	5.72	10.52	25.42	29.64	12.63	31.44	14.76
Price/Book Value	-0.68	-0.91	-0.81	-1.04	-1.02	4.77	8.73	8.47	10.37	16.16	11.89	8.7	4.69	2.07	2.95
Price/Book Value Average	-0.6	-0.92	-0.93	-0.89	-1	4.06	7.31	7.64	7.02	14.55	10.76	8.62	4.33	3.62	1.82
Price/Book Value High	-1.09	-1.87	-1.3	-1.4	-1.9	5.74	9.45	9.01	12.02	22.75	13.48	12.24	6.38	5.32	3.14
Price/Book Value Low	-0.53	-0.71	-0.7	-0.71	-0.69	2.6	5.58	6.13	3.26	5.26	6.89	6.85	3.31	1.89	1.3
Price/Tangible Book Value	1.65	1.86	1.62	1.75	1.98	1.1	1.96	2.05	4.38	9.5	8.1	7.76	4.71	2.22	3.52
Price/Tangible Book Value Average	1.46	1.88	1.86	1.5	1.94	0.94	1.64	1.85	2.97	8.56	7.34	7.69	4.35	3.87	2.18
Price/Tangible Book Value High	2.64	3.84	2.6	2.38	3.66	1.33	2.12	2.19	5.08	13.38	9.19	10.92	6.41	5.69	3.76
Price/Tangible Book Value Low	1.3	1.46	1.41	1.21	1.32	0.6	1.25	1.49	1.38	3.09	4.7	6.11	3.32	2.03	1.56
Price/Sales	0.67	0.79	0.67	0.8	3.09	5.34	4.53	4.36	5.65	10.33	9.97	7.06	3.56	2.09	3.17
Price/Sales Average	0.6	0.8	0.77	0.68	3.03	4.55	3.79	3.93	3.83	9.3	9.03	6.99	3.29	3.65	1.97
Price/Sales High	1.07	1.62	1.07	1.08	5.73	6.43	4.9	4.63	6.56	14.55	11.31	9.93	4.85	5.36	3.39
Price/Sales Low	0.53	0.62	0.58	0.55	2.08	2.91	2.9	3.15	1.78	3.36	5.78	5.55	2.51	1.91	1.4
Price/Cash Flow	17.87	32.43	-38.68	8.49	-22.3	-11.33	-26.9	-16.2	17.07	33.48	17.06	38.2	25.18	6.96	31.41
Price/Cash Flow Average	15.83	32.74	-44.44	7.28	-21.87	-9.64	-22.52	-14.62	11.57	30.14	15.45	37.83	23.29	12.15	19.45
Price/Cash Flow High	28.52	66.79	-62.23	11.5	-41.32	-13.63	-29.12	-17.23	19.8	47.14	19.34	53.74	34.28	17.85	33.51
Price/Cash Flow Low	14.03	25.5	-33.63	5.84	-14.96	-6.17	-17.19	-11.73	5.37	10.9	9.9	30.05	17.78	6.35	13.87
Price/Free Cash Flow Average	9.9	15.13	94.61	5.32	-32.41	-11.1	-29.14	-23.22	10.42	26.3	11.76	22.96	12.39	9.28	10.69
Price/Free Cash Flow High	17.83	30.86	132.51	8.41	-61.24	-15.68	-37.69	-27.39	17.82	41.13	14.72	32.62	18.23	13.63	18.42
Price/Free Cash Flow Low	8.77	11.78	71.61	4.27	-22.17	-7.1	-22.25	-18.63	4.83	9.51	7.53	18.24	9.46	4.85	7.62
EV/Sales Average	0.42	0.6	0.58	0.39	1.89	0.17	1.26	2.4	2.89	8.54	8.03	6.44	3.03	3.19	1.66
EV/Sales High	0.9	1.43	0.89	0.79	4.58	2.05	2.37	3.1	5.61	13.79	10.3	9.38	4.58	4.9	3.08
EV/Sales Low	0.36	0.42	0.39	0.26	0.93	- -	0.36	1.62	0.84	2.61	4.78	5	2.25	1.45	1.09
EV/EBITDA Average	9	13.06	26.74	5.65	-3.69	-0.31	-23.39	-18.8	8.6	20.36	21.43	20.11	8.24	15.42	9.42
EV/EBITDA High	19.13	31.18	40.87	11.34	-8.97	-3.76	-44.1	-24.31	16.7	32.87	27.52	29.28	12.47	23.71	17.49
EV/EBITDA Low	7.56	9.21	18.16	3.7	-1.81	2.7	-6.69	-12.72	2.49	6.21	12.77	15.62	6.12	7	6.21
EV/EBIT Average	29	31.34	-58.53	9.15	-3.44	-0.29	-14.95	-14.67	9.46	21.9	25.49	26.65	10.59	33.59	14.55
EV/EBIT High	61.63	74.8	-89.46	18.35	-8.37	-3.47	-28.18	-18.97	18.37	35.35	32.72	38.82	16.02	51.64	27.03
EV/EBIT Low	24.37	22.09	-39.76	5.99	-1.69	2.49	-4.27	-9.92	2.73	6.68	15.18	20.7	7.87	15.24	9.6
Last Price	1.16	1.44	1.23	1.46	1.45	2.9	4.24	4.56	12.92	39.94	40.11	38.8	28.97	13.83	22.7
High Price	1.85	2.96	1.98	1.97	2.68	3.49	4.59	4.85	14.98	56.24	45.47	54.58	39.44	35.48	24.22
Enterprise Value Average	7	10	10	6	8	1	10	22	58	293	288	311	211	178	95
Enterprise Value High	14	23	15	13	19	10	19	28	113	473	370	453	320	274	177
Enterprise Value Low	6	7	7	4	4	-7	3	15	17	89	172	241	157	81	63

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	9	9	9	9	9	9	9	9	9	9	9	9	9	8	8
Diluted Weighted Avg Shares	9	9	9	9	9	9	9	9	9	9	9	9	9	8	8
Basic Weighted Avg Shares	9	9	9	9	9	9	9	9	9	9	9	9	9	8	8
Revenue per Share	1.72	1.82	1.85	1.82	0.47	0.54	0.94	1.05	2.29	3.87	4.02	5.5	8.14	6.62	7.15
EBITDA per Share	0.08	0.08	0.04	0.13	-0.24	-0.3	-0.05	-0.13	0.77	1.62	1.51	1.76	2.99	1.37	1.26
Operating Income per Share	0.03	0.03	-0.02	0.08	-0.26	-0.32	-0.08	-0.17	0.7	1.51	1.27	1.33	2.33	0.63	0.81
Basic EPS, GAAP	0.03	0.12	0.06	0.12	-0.01	2.05	-0.13	0.04	0.71	1.24	0.91	1.03	1.62	0.4	0.68
Basic EPS from Cont Ops	0.02	0.07	-0.02	0.05	-0.24	-0.17	-0.14	0.04	0.71	1.24	0.91	1.03	1.62	0.4	0.68
Diluted EPS, GAAP	0.03	0.12	0.06	0.12	-0.01	2.02	-0.13	0.04	0.7	1.22	0.91	1.03	1.61	0.4	0.67
Diluted EPS from Cont Ops	0.02	0.07	-0.02	0.05	-0.24	-0.16	-0.14	0.04	0.7	1.22	0.91	1.03	1.61	0.4	0.67
Dividend per Share	- -	- -	- -	- -	- -	- -	0.35	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.06	0.04	-0.03	0.17	-0.06	-0.26	-0.16	-0.28	0.76	1.19	2.35	1.02	1.15	1.99	0.72
Free Cash Flow per Basic Share	0.03	-0.01	-0.08	0.11	-0.09	-0.29	-0.19	-0.38	0.66	1	1.58	0.35	0.13	1.37	0.11
Cash & Equivalents per Share	0.33	0.38	0.29	0.42	0.34	2.1	2.08	1.65	2.19	2.98	4.26	3.33	2.96	3.8	3.1
Book Value per Share	-1.7	-1.59	-1.53	-1.4	-1.41	0.61	0.49	0.54	1.25	2.47	3.37	4.46	6.18	6.67	7.71
Tangible Book Value per Share	0.7	0.77	0.76	0.83	0.73	2.63	2.17	2.22	2.95	4.2	4.95	5	6.15	6.23	6.44

CoreCard Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)