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CCRD (CoreCard) Cyclically Adjusted FCF per Share : $0.52 (As of Mar. 2025)


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What is CoreCard Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

CoreCard's adjusted free cash flow per share for the three months ended in Mar. 2025 was $0.331. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.52 for the trailing ten years ended in Mar. 2025.

During the past 12 months, CoreCard's average Cyclically Adjusted FCF Growth Rate was 15.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 21.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 40.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of CoreCard was 66.00% per year. The lowest was -22.30% per year. And the median was 0.30% per year.

As of today (2025-07-01), CoreCard's current stock price is $28.23. CoreCard's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $0.52. CoreCard's Cyclically Adjusted Price-to-FCF of today is 54.29.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of CoreCard was 5289.00. The lowest was 23.11. And the median was 102.44.


CoreCard Cyclically Adjusted FCF per Share Historical Data

The historical data trend for CoreCard's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

CoreCard Cyclically Adjusted FCF per Share Chart

CoreCard Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.27 0.32 0.45 0.48

CoreCard Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.45 0.46 0.49 0.48 0.52

Competitive Comparison of CoreCard's Cyclically Adjusted FCF per Share

For the Software - Application subindustry, CoreCard's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


CoreCard's Cyclically Adjusted Price-to-FCF Distribution in the Software Industry

For the Software industry and Technology sector, CoreCard's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where CoreCard's Cyclically Adjusted Price-to-FCF falls into.


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CoreCard Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, CoreCard's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.331/134.9266*134.9266
=0.331

Current CPI (Mar. 2025) = 134.9266.

CoreCard Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 -0.178 100.684 -0.239
201509 -0.069 100.392 -0.093
201512 -0.036 99.792 -0.049
201603 -0.043 100.470 -0.058
201606 -0.004 101.688 -0.005
201609 -0.073 101.861 -0.097
201612 -0.072 101.863 -0.095
201703 -0.024 102.862 -0.031
201706 -0.066 103.349 -0.086
201709 -0.072 104.136 -0.093
201712 -0.217 104.011 -0.281
201803 -0.377 105.290 -0.483
201806 0.099 106.317 0.126
201809 0.757 106.507 0.959
201812 0.164 105.998 0.209
201903 0.400 107.251 0.503
201906 0.093 108.070 0.116
201909 0.188 108.329 0.234
201912 0.311 108.420 0.387
202003 0.571 108.902 0.707
202006 0.199 108.767 0.247
202009 0.229 109.815 0.281
202012 0.565 109.897 0.694
202103 -0.428 111.754 -0.517
202106 0.138 114.631 0.162
202109 -0.478 115.734 -0.557
202112 1.131 117.630 1.297
202203 -0.279 121.301 -0.310
202206 -0.230 125.017 -0.248
202209 0.903 125.227 0.973
202212 -0.257 125.222 -0.277
202303 0.155 127.348 0.164
202306 1.149 128.729 1.204
202309 0.272 129.860 0.283
202312 -0.220 129.419 -0.229
202403 -0.126 131.776 -0.129
202406 0.077 132.554 0.078
202409 0.214 133.029 0.217
202412 -0.051 133.157 -0.052
202503 0.331 134.927 0.331

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


CoreCard  (NYSE:CCRD) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

CoreCard's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=28.23/0.52
=54.29

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of CoreCard was 5289.00. The lowest was 23.11. And the median was 102.44.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


CoreCard Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of CoreCard's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


CoreCard Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Technology » Software » CoreCard Corp (NYSE:CCRD) » Definitions » Cyclically Adjusted FCF per Share
Traded in Other Exchanges
N/A
Address
One Meca Way, Norcross, GA, USA, 30093
CoreCard Corp is engaged in the business of providing technology solutions and processing services to the financial technology and services market. It designs, develops and markets a comprehensive suite of software solutions to program managers, accounts receivable businesses, financial institutions, retailers and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, buy now pay later programs, loyalty programs and accounts receivable and loan transactions. The CoreCard software platform and modules include CoreENGINE, CoreISSUE, CoreFRAUD, CoreCOLLECT, CoreAPP, CoreMONEY and CoreACQUIRE. Its customers are located in the U.S, European Union and the Middle East of which key revenue is derived from the U.S.
Executives
J Leland Strange director, 10 percent owner, Pres & CEO 4355 SHACKLEFORD RD, NORCROSS GA 30093
Kathryn Petralia director TRICOLOR HOLDINGS, INC., 6021 CONNECTION DRIVE, 4TH FLOOR, IRVING TX 75039
Elizabeth W Camp director 1111 BAY AVENUE, SUITE 501, COLUMBUS GA 31901
Philip H Moise director 3130 GATEWAY DRIVE, NORCROSS GA 30071
Chandler A Russell Iii director C/O KILPATRICK STOCKTON LLP, 110 PEACHTREE STREET SUITE 2800, ATLANTA GA 30309
Matthew A White officer: CFO and Corporate Secretary 4355 SHACKLEFORD RD, NORCROSS GA 30093
Karen J Reynolds officer: Chief Financial Officer 1816 MAGNOLIA BLUFF WAY, DULUTH GA 30097
Cherie M Fuzzell director 2795 EAST COTTONWOOD PARKWAY, SUITE 660, SLC UT 84121
Bonnie L Herron officer: Chief Financial Officer
J William Goodhew officer: Vice President
John B Peatman director
Francis A Marks officer: Vice President
James V Napier director 3355 LENOX ROAD, SUITE 750, ATLANTA 2Q 30326
Parker H Petit director 1850 PARKWAY PL, MARIETTA GA 30067
Donald A Mcmahon director