NYSE$CCRD

CoreCard Corporation · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Reported a 17% increase in total revenue year-over-year, driven by license revenue, processing and maintenance revenue, and professional services revenue.

CoreCard Corporation reported a strong third quarter with a 17% increase in total revenue, reaching $15.7 million. The company's net income improved significantly to $2.2 million, and earnings per share reached $0.27. The results reflect growth in processing and maintenance revenue, higher professional services revenue, and license revenue.

  • Total revenue increased by 17% year-over-year to $15.7 million.
  • Income from operations was $2.8 million, compared to $0.4 million in the prior year quarter.
  • Net income was $2.2 million, a significant improvement from a net loss of $0.2 million in the prior year quarter.
  • Earnings per diluted share was $0.27, compared to a loss per share of $0.03 in the prior year quarter.

Headline financials

Total Revenue

$15.7M

Previous: $13.4M+17.2%
EPS (adj)

$0.30

Previous: $0.09+233.3%
Capital Expenditures

-$3.73M

Previous: -$4.85M+23.0%
Free Cash Flow

$1.31M

Previous: $13.4M-90.3%
Net Income

$2.2M

Previous: -$222K+1089.2%
Operating Income

$2.79M

Previous: $413K+574.3%
Gross Profit

$6.7M

Previous: $4.12M+62.7%
R&D Expense

$2.5M

Previous: $2.49M+0.5%
Stock-Based Comp

$274K

No prior period

Revenue & EPS history

CoreCard · Revenue · Quarterly

$15.7M

Q3 2024+17.2%vs Q3 2023
Beat estimate in 14 of 15 quarters(93%)
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

For the fourth quarter of 2024, CoreCard expects total revenue between $13.3 million and $13.7 million and earnings per share between $0.07 and $0.09. For fiscal year 2025, the company anticipates total revenue between $60 million and $64 million and earnings per share between $0.88 and $0.94. Excluding the largest customer, CoreCard expects full-year 2025 revenue growth to be 30-40%.

Tailwinds

  • Expects total revenue between $13.3 and $13.7 million for Q4 2024.
  • Anticipates earnings per share between $0.07 and $0.09 for Q4 2024.
  • Forecasts total revenue between $60 million and $64 million for fiscal year 2025.
  • Projects earnings per share between $0.88 and $0.94 for fiscal year 2025.
  • Expects full-year 2025 revenue growth, excluding the largest customer, to be 30-40%.

Historical earnings impact

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

Avg. return before/after earnings

Based on 6 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

+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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