UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from_________ to ____________ Commission file number 1-9330 CoreCard Corporation (Exact name of registrant as specified in its charter) Georgia 58-1964787 (State or oth ...

财务数据和关键指标变化 - 2022年第四季度总收入为1580万美元,同比增长21% [6][7][8] - 2022年全年收入增长45%,达到2900多万美元 [26] - 2022年第四季度营业利润为300万美元,与2021年同期持平 [13] - 2022年第四季度营业利润率为19%,低于2021年同期的23% [13] - 2022年全年每股摊薄收益为1.61美元,2021年为1.03美元 [15] - 2022年全年调整后每股摊薄收益为1.74美元,2021年为1.03美元 [15] 各条业务线数据和关键指标变化 - 专业服务收入为770万美元 [7] - 处理和维护收入为510万美元,同比增长33% [9] - 第三方收入为130万美元 [7] - 许可收入为180万美元,与去年同期持平 [7][9] - 服务收入(不含许可收入)同比增长25%,全年增长27% [8] - 处理和维护收入全年增长34% [9] - 许可收入全年增长174%,预计2023年将在300万至700万美元之间 [9][27] 各个市场数据和关键指标变化 - 不包括最大客户的收入同比增长18% [10] - 已完成与American Express的对接,预计将带来未来几年的新收入增长 [12] 公司战略和发展方向及行业竞争 - 未来将重点关注服务收入的增长,尤其是处理业务的增长 [9] - 预计2023年服务收入增长约10%,不包括最大客户的服务收入增长约20% [18][19] - 预计2023年处理和维护收入增长20%-30% [35] - 正在与Deserve等合作伙伴共同开发面向大型客户的产品方案 [43] - 认为公司是现代发卡系统的"黄金标准",竞争对手提供的多为"够用"的产品 [38][39][40][41] - 最近一个大型竞争对手以2.5亿美元收购了一家拥有30名员工的前端程序管理公司,而该公司一直是公司的客户 [42][43] 管理层对经营环境和未来前景的评论 - 2023年第一季度收入将下降,但不包括许可收入的其他收入将增长 [25] - 预计最大客户的收入占比将逐年下降,2022年约为75% [28][29] - 最大客户的现有业务预计将继续增长,但不会有大幅增加 [29][30][31][32] - 公司正在稳定人员配置,未来将主要依靠现有人员实现增长 [16][17][44] - 公司将继续保持良好的盈利能力和投资回报率 [46] 问答环节重要的提问和回答 问题1 **Anja Soderstrom 提问** 如果最大客户Goldman Sachs放弃争取更多信用卡业务,会如何影响公司? [49] **Leland Strange 回答** 公司没有任何内部信息可以披露Goldman Sachs的计划。无论他们做出什么决定,公司的2023年预测都不会受到影响 [50][51] 问题2 **Anja Soderstrom 提问** 公司之前说可能在2023年底前新增2个大客户,这个预期是否仍然成立? [52] **Leland Strange 回答** 公司有能力在今年底前新增2个大客户,但具体进展情况还需观察,公司目前的预测中没有包含这部分业务 [53][54] 问题3 **Hal Goetsch 提问** 如何定义"传统"和"现代"发卡系统,以及从传统转向现代的难度如何? [60] **Leland Strange 回答** 传统系统功能单一,价格较低,但缺乏灵活性和创新能力。现代系统提供更多定制功能,满足创新需求,但需要更高的投入。预计10%-20%的发卡机构会选择现代系统,新进入者更倾向于现代系统 [61][62][63][64][65]

CoreCard Corporation (NYSE:CCRD) Q3 2022 Earnings Conference Call November 2, 2022 11:00 AM ET Company Participants Matt White - Chief Financial Officer Leland Strange - Chairman and Chief Executive Officer Conference Call Participants Anja Soderstrom - Sidoti Operator Greetings and welcome to CoreCard Q3 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to ____________ Commission file number 1-9330 CORECARD CORPORATION (Exact name of registrant as specified in its charter) Georgia 58-1964787 (State or other ...

CoreCard Corporation (NYSE:CCRD) Q2 2022 Earnings Conference Call August 3, 2022 11:00 AM ET Company Participants Matt White - CFO Leland Strange - Chairman and CEO Conference Call Participants Mark Palmer - BTIG Anja Soderstrom - Sidoti Khadir Richie - Richie Investment Advisors Avram Fisher - Long Cast Advisers Operator Greetings. Welcome to CoreCard Second Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to ____________ Commission file number 1-9330 CORECARD CORPORATION (Exact name of registrant as specified in its charter) | --- | --- | |------------------------ ...

CoreCard Corporation (NYSE:CCRD) Q1 2022 Results Conference Call May 5, 2022 11:00 AM ET Company Participants Matt White - CFO Leland Strange - Chairman and CEO Conference Call Participants Mark Palmer - BTIG Anja Soderstrom - Sidoti Matt White Good morning, everyone. With me on the call today is Leland Strange, Chairman and CEO of CoreCard Corporation. I'll provide an overview for the First Quarter of 2022, and Leland will add some additional comments, and we'll answer questions at the conclusion of our pr ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-9330 CORECARD CORPORATION (Exact name of registrant as specified in its charter) | --- | --- | |---------------------------------------------- ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-9330 CoreCard Corporation | --- | --- | --- | --- | |---------------------------------------------------------------------------------- ...

CoreCard Corporation (NYSE:CCRD) Q4 2021 Earnings Conference Call February 15, 2022 11:00 AM ET Company Participants Matt White - CFO Leland Strange - Chairman and CEO Conference Call Participants Mark Palmer - BTIG Anja Soderstrom - Sidoti Operator Greetings, welcome to the CoreCard Q4 2021 Earnings Conference Call. At this time all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] Please note this conference is being recorded ...