CoreCard (NYSE:CCRD) vs. ZenaTech (NASDAQ:ZENA) Financial Survey

ZenaTech (NASDAQ:ZENA) and CoreCard (NYSE:CCRD) are both small-cap business services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, profitability, risk, valuation, earnings and analyst recommendations.

Insider and Institutional Ownership

43.9% of CoreCard shares are owned by institutional investors. 17.2% of CoreCard shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings for ZenaTech and CoreCard, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ZenaTech	0	0	0	0	0.00
CoreCard	0	1	0	0	2.00

CoreCard has a consensus price target of $15.00, indicating a potential downside of 34.41%. Given CoreCard’s stronger consensus rating and higher possible upside, analysts clearly believe CoreCard is more favorable than ZenaTech.

Profitability

This table compares ZenaTech and CoreCard’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
ZenaTech	N/A	N/A	N/A
CoreCard	7.32%	7.67%	6.34%

Earnings & Valuation

This table compares ZenaTech and CoreCard”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ZenaTech	N/A	N/A	N/A	N/A	N/A
CoreCard	$56.00 million	3.23	$3.39 million	$0.49	46.68

CoreCard has higher revenue and earnings than ZenaTech.

Summary

CoreCard beats ZenaTech on 8 of the 8 factors compared between the two stocks.

About ZenaTech

ZenaTech, Inc., an enterprise software technology company, develops cloud-based software applications in Canada. It provides cryptocurrency wallets and cloud-based enterprise software solutions for the agriculture industry; cloud-based enterprise software solutions for the medical records industry; safety and compliance management software and mobile solutions; field management software and mobile solutions; integrated cloud-based enterprise software and hardware drone technology solutions for various industries; and browser-based enterprise software applications for public safety. ZenaTech, Inc. was formerly known as ZenaDrone, Inc. and changed its name to ZenaTech, Inc. on October 5, 2020. The company was incorporated in 2017 and is based in Toronto, Canada.

About CoreCard

CoreCard Corporation, together with its subsidiaries, offers technology solutions and processing services to the financial technology and services market in the United States, Europe, and the Middle East. It designs, develops, and markets a 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 company's software solutions allow companies to offer various types of transacting account or card issuing program, as well as installment and revolving loans; set up and maintain account data; record advances and payments; assess fees, interests, and other charges; resolve disputes and chargebacks; manage collections of accounts receivable; generate reports; and settle transactions with financial institutions and network schemes. The company was formerly known as Intelligent Systems Corporation and changed its name to CoreCard Corporation in December 2021. CoreCard Corporation was founded in 1973 and is headquartered in Norcross, Georgia.