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CCRD (CoreCard) Moat Score : 6/10 (As of Jul. 05, 2025)


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What is CoreCard Moat Score?

CoreCard has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

CoreCard has Narrow Moat: CoreCard Corp has a strong narrow moat due to its proprietary technology in payment processing and significant customer switching costs. It benefits from consistent innovation and a solid distribution network, but faces competition that limits its pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CoreCard might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Competitive Comparison of CoreCard's Moat Score

For the Software - Application subindustry, CoreCard's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score Distribution in the Software Industry

For the Software industry and Technology sector, CoreCard's Moat Score distribution charts can be found below:

* The bar in red indicates where CoreCard's Moat Score falls into.


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CoreCard  (NYSE:CCRD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CoreCard Moat Score Related Terms

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CoreCard Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Technology » Software » CoreCard Corp (NYSE:CCRD) » Definitions » Moat Score
Comparable Companies
MRT PERF DSP ONTF EXFY BZAI NRDY IMMR EGHT SMRT XTER:SAP CRM INTU NOW UBER ADBE TSX:SHOP ADP MSTR CDNS
Traded in Other Exchanges
N/A
Address
One Meca Way, Norcross, GA, USA, 30093
Website
https://www.corecard.com
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