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CCRD (CoreCard) Cyclically Adjusted Book per Share : $5.00 (As of Mar. 2025)


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What is CoreCard Cyclically Adjusted Book 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 Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

CoreCard's adjusted book value per share for the three months ended in Mar. 2025 was $6.942. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $5.00 for the trailing ten years ended in Mar. 2025.

During the past 12 months, CoreCard's average Cyclically Adjusted Book Growth Rate was 12.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 19.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 21.40% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 19.20% 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 Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of CoreCard was 23.90% per year. The lowest was -23.20% per year. And the median was -4.30% per year.

As of today (2025-05-17), CoreCard's current stock price is $24.43. CoreCard's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $5.00. CoreCard's Cyclically Adjusted PB Ratio of today is 4.89.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of CoreCard was 30.93. The lowest was 2.35. And the median was 6.20.


CoreCard Cyclically Adjusted Book per Share Historical Data

The historical data trend for CoreCard's Cyclically Adjusted Book 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 Book per Share Chart

CoreCard Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.30 2.88 3.58 4.22 4.87

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 Book 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 4.43 4.58 4.73 4.87 5.00

Competitive Comparison of CoreCard's Cyclically Adjusted Book per Share

For the Software - Application subindustry, CoreCard's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 PB Ratio Distribution in the Software Industry

For the Software industry and Technology sector, CoreCard's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where CoreCard's Cyclically Adjusted PB Ratio falls into.


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CoreCard Cyclically Adjusted Book 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 Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

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

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value 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 Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book 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 Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=6.942/134.9266*134.9266
=6.942

Current CPI (Mar. 2025) = 134.9266.

CoreCard Quarterly Data

Book Value per Share CPI Adj_Book
201506 2.929 100.684 3.925
201509 2.875 100.392 3.864
201512 2.983 99.792 4.033
201603 2.527 100.470 3.394
201606 2.505 101.688 3.324
201609 2.522 101.861 3.341
201612 2.510 101.863 3.325
201703 2.114 102.862 2.773
201706 2.131 103.349 2.782
201709 2.290 104.136 2.967
201712 2.216 104.011 2.875
201803 2.317 105.290 2.969
201806 2.440 106.317 3.097
201809 2.652 106.507 3.360
201812 2.940 105.998 3.742
201903 3.172 107.251 3.991
201906 3.412 108.070 4.260
201909 3.760 108.329 4.683
201912 4.178 108.420 5.199
202003 4.299 108.902 5.326
202006 4.550 108.767 5.644
202009 4.886 109.815 6.003
202012 4.969 109.897 6.101
202103 4.802 111.754 5.798
202106 4.644 114.631 5.466
202109 4.788 115.734 5.582
202112 5.049 117.630 5.791
202203 5.827 121.301 6.482
202206 6.084 125.017 6.566
202209 6.137 125.227 6.612
202212 6.205 125.222 6.686
202303 6.351 127.348 6.729
202306 6.546 128.729 6.861
202309 6.431 129.860 6.682
202312 6.354 129.419 6.624
202403 6.329 131.776 6.480
202406 6.336 132.554 6.449
202409 6.542 133.029 6.635
202412 6.639 133.157 6.727
202503 6.942 134.927 6.942

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


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

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB 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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

CoreCard's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=24.43/5.00
=4.89

* 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 PB Ratio of CoreCard was 30.93. The lowest was 2.35. And the median was 6.20.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


CoreCard Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of CoreCard's Cyclically Adjusted Book 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 Book 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