AMEX:INS (USA)

Intelligent Systems Corp

$ 39.06 -3.31 (-7.81%)
Volume: 255,914 Avg Vol (1m): 145,960
Market Cap $: 345.71 Mil Enterprise Value $: 323.93 Mil
P/E (TTM): 47.06 P/B: 12.49
Earnings Power Value 0.13
Net Current Asset Value 2.38
Tangible Book 3.12
Projected FCF 3.06
Median P/S Value 2.64
Graham Number 7.64
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 8/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 33.51
Cash-To-Debt ranked higher than
98.21% of 2180 companies
in the Software - Infrastructure industry.
Industry Max: 52661, Med: 5.23, Min: 0.01
INS: 33.51
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.06, Med: 32.16, Max: 10000
Current: 33.51
0.06
10000
Equity-to-Asset 0.83
Equity-to-Asset ranked higher than
91.91% of 2115 companies
in the Software - Infrastructure industry.
Industry Max: 1.55, Med: 0.6, Min: -56.05
INS: 0.83
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: -0.16, Med: 0.68, Max: 1.02
Current: 0.83
-0.16
1.02
Debt-to-Equity 0.02
Debt-to-Equity ranked lower than
100.00% of 1267 companies
in the Software - Infrastructure industry.
Industry Max: 248.23, Med: 0.27, Min: 0.01
INS: 0.02
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: -0.19, Med: 0.12, Max: 2.61
Current: 0.02
-0.19
2.61
Debt-to-EBITDA 0.08
Debt-to-EBITDA ranked lower than
100.00% of 1112 companies
in the Software - Infrastructure industry.
Industry Max: 5506.28, Med: 1.26, Min: 0.01
INS: 0.08
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.08
Current: 0.08
0
0.08
Piotroski F-Score 6
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 43.46
DISTRESS
GREY
SAFE
Beneish M-Score -2.89
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 94.09%
WACC 16.8%

Profitability & Growth : 6/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 34.45
Operating Margin ranked higher than
84.98% of 2144 companies
in the Software - Infrastructure industry.
Industry Max: 678.59, Med: 4.91, Min: -510650
INS: 34.45
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: -59.01, Med: -4.7, Max: 34.45
Current: 34.45
-59.01
34.45
Net Margin % 32.26
Net Margin ranked higher than
89.23% of 2144 companies
in the Software - Infrastructure industry.
Industry Max: 990.53, Med: 3.58, Min: -307550
INS: 32.26
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -13.6, Med: 3.65, Max: 376.83
Current: 32.26
-13.6
376.83
ROE % 31.15
ROE ranked higher than
74.54% of 2062 companies
in the Software - Infrastructure industry.
Industry Max: 1271.48, Med: 6.36, Min: -234428.57
INS: 31.15
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -29.1, Med: 6.08, Max: 103.52
Current: 31.15
-29.1
103.52
ROA % 27.07
ROA ranked higher than
87.27% of 2199 companies
in the Software - Infrastructure industry.
Industry Max: 3269.23, Med: 2.95, Min: -16416.67
INS: 27.07
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -12.95, Med: 4.05, Max: 101.87
Current: 27.07
-12.95
101.87
ROC (Joel Greenblatt) % 188.68
ROC (Joel Greenblatt) ranked higher than
69.52% of 2165 companies
in the Software - Infrastructure industry.
Industry Max: 85250, Med: 23.63, Min: -99999999.99
INS: 188.68
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: -106.47, Med: -18.7, Max: 213.93
Current: 188.68
-106.47
213.93
3-Year Total Revenue Growth Rate 61.40
3-Year Revenue Growth Rate ranked higher than
88.35% of 1829 companies
in the Software - Infrastructure industry.
Industry Max: 1196.4, Med: 6.3, Min: -100
INS: 61.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -36.4, Med: -4.3, Max: 61.1
Current: 61.1
-36.4
61.1

» INS's 30-Y Financials

Financials (Next Earnings Date: 2019-08-08)

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Business Description

Industry Application Software » Software - Infrastructure    NAICS : 519190    SIC : 7379
Compare LSE:RM. WAR:ABS ASX:ELO HKSE:03315 TSE:3836 SGX:AIY MAL:RS2 NYSE:ARLO WAR:ASE XKLS:0021 LSE:EPO TSE:3677 NZSE:SKO XTER:PSAN BKK:NETBAY XKRX:053580 XTER:SHF JSE:CTK TSE:4687 ROCO:6689
Traded in other countries
Address 4355 Shackleford Road, Norcross, GA, USA, 30093
Intelligent Systems Corp through its subsidiary CoreCard Software, Inc. (CoreCard) provides technology solutions and processing services to the financial technology and services market referred to as the FinTech industry. The CoreCard software solutions allow companies to offer various types of debit and credit cards as well as revolving loans, to set up and maintain account data, to record advances and payments, to assess fees, interest and other charges, to resolve disputes and chargebacks, to manage collections of accounts receivable, to generate reports and to settle transactions with financial institutions and network associations. The company derives its revenue from software licenses.

Ratios

Current vs industry vs history
PE Ratio (TTM) 47.06
PE Ratio ranked lower than
78.37% of 1475 companies
in the Software - Infrastructure industry.
Industry Max: 10600, Med: 24.79, Min: 0.01
INS: 47.06
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 1.05, Med: 24.4, Max: 177
Current: 47.06
1.05
177
PE Ratio without NRI 47.06
PE without NRI ranked lower than
79.07% of 1414 companies
in the Software - Infrastructure industry.
Industry Max: 10600, Med: 24.46, Min: 0.01
INS: 47.06
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 7.94, Med: 24.17, Max: 177
Current: 47.06
7.94
177
Price-to-Owner-Earnings 26.93
Price-to-Owner-Earnings ranked lower than
79.06% of 826 companies
in the Software - Infrastructure industry.
Industry Max: 2445, Med: 25.26, Min: 0.08
INS: 26.93
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 1.05, Med: 23.61, Max: 221.43
Current: 26.93
1.05
221.43
PB Ratio 12.49
PB Ratio ranked lower than
79.18% of 2262 companies
in the Software - Infrastructure industry.
Industry Max: 5500, Med: 2.93, Min: 0.01
INS: 12.49
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.73, Med: 1.82, Max: 14.41
Current: 12.49
0.73
14.41
PS Ratio 15.20
PS Ratio ranked lower than
85.54% of 2268 companies
in the Software - Infrastructure industry.
Industry Max: 285714.29, Med: 2.86, Min: 0
INS: 15.2
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.18, Med: 1.03, Max: 17.54
Current: 15.2
0.18
17.54
Price-to-Free-Cash-Flow 27.52
Price-to-Free-Cash-Flow ranked lower than
78.35% of 924 companies
in the Software - Infrastructure industry.
Industry Max: 2237.2, Med: 28.2, Min: 0.08
INS: 27.52
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 12.76, Med: 51.7, Max: 960
Current: 27.52
12.76
960
Price-to-Operating-Cash-Flow 25.89
Price-to-Operating-Cash-Flow ranked lower than
76.80% of 1181 companies
in the Software - Infrastructure industry.
Industry Max: 6271.25, Med: 20.26, Min: 0.04
INS: 25.89
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 9.53, Med: 26.34, Max: 83.33
Current: 25.89
9.53
83.33
EV-to-EBIT 40.88
EV-to-EBIT ranked lower than
78.99% of 1537 companies
in the Software - Infrastructure industry.
Industry Max: 119475.88, Med: 18.1, Min: 0.05
INS: 40.88
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -1339.9, Med: -2.8, Max: 202.8
Current: 40.88
-1339.9
202.8
EV-to-EBITDA 37.74
EV-to-EBITDA ranked lower than
80.67% of 1661 companies
in the Software - Infrastructure industry.
Industry Max: 64649.64, Med: 14.06, Min: 0.01
INS: 37.74
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -2472.6, Med: -1.3, Max: 279.9
Current: 37.74
-2472.6
279.9
EV-to-Revenue 14.07
EV-to-Revenue ranked lower than
81.95% of 2327 companies
in the Software - Infrastructure industry.
Industry Max: 295554.27, Med: 2.52, Min: 0.01
INS: 14.07
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -0.9, Med: 0.8, Max: 16.6
Current: 14.07
-0.9
16.6
Shiller PE Ratio 112.83
Shiller PE Ratio ranked lower than
79.42% of 588 companies
in the Software - Infrastructure industry.
Industry Max: 13256.8, Med: 33.85, Min: 0.02
INS: 112.83
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 8.93, Med: 25, Max: 150
Current: 112.83
8.93
150
Current Ratio 5.32
Current Ratio ranked higher than
90.94% of 2075 companies
in the Software - Infrastructure industry.
Industry Max: 672.73, Med: 1.93, Min: 0.01
INS: 5.32
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.33, Med: 2, Max: 10.83
Current: 5.32
0.33
10.83
Quick Ratio 5.32
Quick Ratio ranked higher than
91.42% of 2075 companies
in the Software - Infrastructure industry.
Industry Max: 672.73, Med: 1.78, Min: 0.01
INS: 5.32
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.27, Med: 1.66, Max: 10.56
Current: 5.32
0.27
10.56
Days Sales Outstanding 58.52
Days Sales Outstanding ranked higher than
51.20% of 2082 companies
in the Software - Infrastructure industry.
Industry Max: 989.79, Med: 66.86, Min: 0.02
INS: 58.52
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 43.67, Med: 55.14, Max: 73.43
Current: 58.52
43.67
73.43
Days Payable 10.66
Days Payable ranked lower than
85.29% of 1870 companies
in the Software - Infrastructure industry.
Industry Max: 2567.37, Med: 44.89, Min: 0.02
INS: 10.66
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 10.66, Med: 17.92, Max: 31.06
Current: 10.66
10.66
31.06

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -0.80
3-Year Share Buyback Rate ranked higher than
88.59% of 1507 companies
in the Software - Infrastructure industry.
Industry Max: 100, Med: -3.3, Min: -1487.4
INS: -0.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -26, Med: 0.1, Max: 7.3
Current: -0.8
-26
7.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 12.52
Price-to-Tangible-Book ranked lower than
64.33% of 2013 companies
in the Software - Infrastructure industry.
Industry Max: 5500, Med: 4.54, Min: 0.01
INS: 12.52
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.29, Med: 1.54, Max: 76.92
Current: 12.52
0.29
76.92
Price-to-Projected-FCF 12.76
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
76.19% of 907 companies
in the Software - Infrastructure industry.
Industry Max: 650.5, Med: 2.08, Min: 0.01
INS: 12.76
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.68, Med: 3.37, Max: 54.19
Current: 12.76
0.68
54.19
Price-to-Median-PS-Value 14.80
Price-to-Median-PS-Value ranked lower than
98.98% of 2062 companies
in the Software - Infrastructure industry.
Industry Max: 78, Med: 1, Min: 0.02
INS: 14.8
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.14, Med: 0.69, Max: 16.95
Current: 14.8
0.14
16.95
Price-to-Graham-Number 5.11
Price-to-Graham-Number ranked lower than
75.64% of 1170 companies
in the Software - Infrastructure industry.
Industry Max: 84.5, Med: 2.19, Min: 0.01
INS: 5.11
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.22, Med: 1.18, Max: 5.86
Current: 5.11
0.22
5.86
Earnings Yield (Joel Greenblatt) % 2.49
Earnings Yield (Greenblatt) ranked lower than
50.23% of 2413 companies
in the Software - Infrastructure industry.
Industry Max: 2103.44, Med: 2.07, Min: -5000
INS: 2.49
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -232.3, Med: -4, Max: 986.8
Current: 2.49
-232.3
986.8

More Statistics

Revenue (TTM) (Mil) $ 23.01
EPS (TTM) $ 0.83
Beta 2.4
Volatility % 111.19
52-Week Range $ 6.82 - 48.93
Shares Outstanding (Mil) 8.85

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 6
Positive ROA Y
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy N
Higher Current Ratio yoy N
Less Shares Outstanding yoy N
Higher Gross Margin yoy Y
Higher Asset Turnover yoy Y