CCRD

CoreCard Corporation (CCRD) ESG Analysis Analysis (2026)

Invetso Score: 6.9/10 — Balanced · Last Updated: 2026-09-01

Monthly Update

No material changes this month.

Environmental

Score: 6.6 (Moderate)

R&D intensity of 16.8% of revenue suggests a comparatively higher innovation footprint than peers, but the metric alone does not indicate materially superior environmental management.

Low debt-to-equity of 0.06 and net cash position reduce financing pressure, which can support longer-horizon environmental investments versus more leveraged peers.

The provided metrics do not disclose emissions, energy use, or waste performance, limiting evidence that CCRD is environmentally ahead of peers on core operational impacts.

Absence of disclosed environmental controversy data prevents a stronger relative score, because peer comparison on regulatory exposure and resource efficiency cannot be fully substantiated.

Social

Score:

Stock-based compensation at 4.6% of revenue is modest, which can indicate less dilution pressure on employees than peers with heavier equity-based pay practices.

R&D spending of 16.8% of revenue may support product quality and workforce skill development, but the metric does not directly prove stronger labor or customer outcomes versus peers.

The available data do not include turnover, safety, diversity, or customer conduct indicators, so CCRD’s social positioning versus peers remains only partially evidenced.

No material social controversy information is provided, preventing confirmation that CCRD is structurally better or worse than peers on reputation-sensitive workforce and customer issues.

Governance

Score:

Debt-to-equity of 0.06 indicates conservative capital structure, which typically reduces creditor pressure and supports governance flexibility versus more levered peers.

Net debt to EBITDA of -3.29 shows a net cash balance, lowering refinancing risk and improving board room for disciplined capital allocation relative to indebted peers.

Stock-based compensation of 4.6% of revenue appears contained, suggesting less aggressive equity dilution than peers with heavier compensation-driven governance concerns.

No filing-based evidence of control weaknesses, restatements, or controversy is provided, so CCRD screens as cleaner than many peers but not demonstrably best-in-class.

Overall Score

Score:

CCRD appears modestly better than peers on governance and capital discipline, while environmental and social positioning remains only partially evidenced by the provided metrics.

Score Driver: Conservative Balance Sheet And Limited Equity Dilution Versus Peers

Sources

  • Company filings (10-K, 10-Q, investor presentations)
  • Financial and market data providers
  • Public news and industry information

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