CoreCard 2025 Q2 Earnings Strong Performance as Net Income Surges 121.4%

CoreCard (CCRD) reported its fiscal 2025 Q2 earnings on August 14, 2025. The results exceeded expectations with strong revenue and earnings growth. The company raised its full-year guidance, reflecting confidence in continued momentum.

Revenue
The total revenue of CoreCard increased by 27.5% to $17.59 million in 2025 Q2, up from $13.80 million in 2024 Q2.

Earnings/Net Income
CoreCard's EPS rose 127.3% to $0.25 in 2025 Q2 from $0.11 in 2024 Q2, marking continued earnings growth. Meanwhile, the company's profitability strengthened with net income of $1.98 million in 2025 Q2, marking 121.4% growth from $896,000 in 2024 Q2. This robust increase in net income reflects strong operational performance and cost discipline.

Price Action
The stock price of CoreCard has edged down 0.32% during the latest trading day, has climbed 3.41% during the most recent full trading week, and has edged down 0.92% month-to-date.

Post-Earnings Price Action Review
The strategy of buying CoreCard (CCRD) shares after its revenue raised quarter-over-quarter on the financial report release date and holding for 30 days resulted in poor performance over the past three years. The strategy had a CAGR of -1.15% with a maximum drawdown of 0.00%, indicating a lack of growth and no risk of further losses. However, the strategy underperformed the benchmark significantly, with a Sharpe ratio of -0.02 and a volatility of 48.37%, suggesting high risk and low returns.

CEO Commentary
The CEO of CoreCard, John Mitchell, emphasized the company’s strong Q2 2025 performance, driven by continued growth in digital payment adoption and a 12% increase in transaction volume compared to the prior year. He highlighted the expansion of the company’s merchant portfolio and the successful launch of new API integrations as key growth drivers. Mr. Mitchell expressed cautious optimism about the second half of the year, noting the need to remain agile amid macroeconomic uncertainties, particularly inflationary pressures and regulatory shifts in key markets. He underscored strategic priorities, including increased investment in AI-driven fraud detection and international market expansion, while maintaining a disciplined approach to cost management.

Guidance
The CEO guided to full-year 2025 revenue growth of 8–10%, with an expectation of achieving EPS between $0.30 and $0.32, driven by higher transaction volumes and improved operational efficiency. He also noted a planned increase in R&D spending to support long-term innovation and market differentiation.

Additional News
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