NYSE$CCRD

CoreCard Corporation · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Intelligent Systems reported first quarter results, showing revenue increase but a decrease in net income due to investment losses.

Intelligent Systems reported a 13.3% increase in revenue compared to the prior year period, driven by professional services and processing and maintenance revenues. However, net income decreased due to investment losses related to impairment charges on investments resulting from the economic downturn caused by the COVID-19 pandemic.

  • Total revenues increased by 13.3% to $7.893 million compared to $6.966 million in the same period last year.
  • Income from operations was $2.379 million, compared to $2.605 million in the prior year quarter.
  • Net income was $1.047 million, down from $2.072 million in the comparable prior year quarter, impacted by investment losses.
  • Earnings per diluted share was $0.12, compared to $0.23 in the prior year quarter, including a $0.11 negative impact from impairment charges.

Headline financials

Total Revenue

$7.89M

Previous: $6.97M+13.3%
EPS (adj)

$0.12

Previous: $0.23-47.8%
Capital Expenditures

-$539K

Previous: -$112K-381.3%
Free Cash Flow

$5.15M

Previous: $3.59M+43.4%
Net Income

$1.05M

Previous: $2.07M-49.5%
Operating Income

$2.38M

Previous: $2.61M-8.7%
Gross Profit

$4.39M

Previous: $4.43M-1.0%
Cash & Equivalents

$30.5M

Previous: $22.1M+38.4%
Total Assets

$50.3M

Previous: $33.9M+48.2%
Stock-Based Comp

$62K

Previous: $25K+148.0%

Revenue & EPS history

CoreCard · Revenue · Quarterly

$7.89M

Q1 2020+13.3%vs Q1 2019
Beat estimate in 3 of 6 quarters(50%)
ActualEstimate

Revenue by segment

CoreCard · $24.2M total across 3 segments · Q1 2022

  • License Revenue
    $12.5M
  • Professional Services
    $5.9M
  • Processing & Maintenance
    $5.8M

Forward guidance

The company expects processing services to grow for the year, but the trajectory will depend on economic activity returning to normal. License revenue in 2020 is uncertain due to customers putting marketing plans on hold and the general economic slowdown.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 6 quarterly earnings reports

Historical avg

+3.1%

Avg return

Earnings day

+5.8%

Avg return

5 days after

+18.9%

Avg return

30 days after

60%

37 / 62 earnings

Positive

+37.0%

Q2 2010

Best reaction

-29.6%

Q4 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2025
Q2 2025-1.1%-4.0%-4.9%
Q1 2025+14.2%+39.3%+61.9%
Q4 2024+3.1%-8.6%-7.4%
Q3 2024+11.5%+16.1%+53.0%
Q2 2024+6.1%+1.9%+21.1%
Q1 2024+8.8%+8.1%+17.3%
Q4 2023-10.8%-12.5%-9.1%
Q3 2023-21.1%
Q2 2023-4.2%
Q1 2023-4.2%
Q4 2022-0.9%
Q3 2022+2.7%
Q2 2022-0.4%
Q1 2022+3.4%
Q4 2021+0.7%
Q3 2021+1.4%
Q2 2021+7.3%
Q1 2021-3.5%
Q4 2020-19.6%
Q3 2020-5.9%
Q2 2020+10.8%
Q1 2020+3.9%
Q4 2019+0.7%
Q3 2019-5.9%
Q2 2019+1.4%
Q1 2019+35.5%
Q4 2018+2.6%
Q3 2018+22.6%
Q2 2018+21.2%
Q1 2018+34.4%
Q4 2017-6.9%
Q3 2017-5.2%
Q2 2017+10.0%
Q1 2017-2.7%
Q4 2016-5.1%
Q3 2016+9.5%
Q2 2016-6.7%
Q1 2016-1.1%
Q4 2015+4.3%
Q3 2015+2.0%
Q2 2015+5.1%
Q1 2015+2.4%
Q4 2014+0.0%
Q3 2014+5.8%
Q2 2014-9.7%
Q1 2014+4.5%
Q4 2013-25.4%
Q3 2013-1.9%
Q2 2013+9.8%
Q1 2013-4.4%
Q4 2012+26.9%
Q3 2012+1.3%
Q2 2012+3.2%
Q1 2011+0.0%
Q1 2012+1.4%
Q4 2011-2.0%
Q3 2011+7.6%
Q3 2010+7.6%
Q2 2011+37.0%
Q2 2010+37.0%
Q4 2010-29.6%
Q1 2010+5.9%

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