Contrasting CoreCard (NYSE:CCRD) & Tenable (NASDAQ:TENB)

CoreCard (NYSE:CCRD) and Tenable (NASDAQ:TENB) are both business services companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, valuation, earnings and profitability.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
CoreCard	7.32%	7.67%	6.34%
Tenable	-6.82%	-6.21%	-1.43%

Institutional & Insider Ownership

43.9% of CoreCard shares are owned by institutional investors. Comparatively, 89.1% of Tenable shares are owned by institutional investors. 17.2% of CoreCard shares are owned by company insiders. Comparatively, 4.3% of Tenable shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CoreCard	$56.00 million	3.18	$3.39 million	$0.49	46.04
Tenable	$798.71 million	6.60	-$78.28 million	($0.51)	-86.00

CoreCard has higher earnings, but lower revenue than Tenable. Tenable is trading at a lower price-to-earnings ratio than CoreCard, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

CoreCard has a beta of 0.49, suggesting that its share price is 51% less volatile than the S&P 500. Comparatively, Tenable has a beta of 0.85, suggesting that its share price is 15% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and price targets for CoreCard and Tenable, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CoreCard	0	1	0	0	2.00
Tenable	0	7	9	1	2.65

CoreCard presently has a consensus target price of $15.00, suggesting a potential downside of 33.51%. Tenable has a consensus target price of $50.25, suggesting a potential upside of 14.57%. Given Tenable’s stronger consensus rating and higher probable upside, analysts clearly believe Tenable is more favorable than CoreCard.

Summary

Tenable beats CoreCard on 8 of the 15 factors compared between the two stocks.

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.

About Tenable

Tenable Holdings, Inc. provides cyber exposure solutions for in the Americas, Europe, the Middle East, Africa, the Asia Pacific, and Japan. Its platforms include Tenable Vulnerability Management, a cloud-delivered software as a service that provides organizations with a risk-based view of traditional and modern attack surfaces; Tenable Cloud Security, a cloud-native cloud security solutions for security teams to continuously assess the security posture; Tenable Identity Exposure, a solution to secure Active Directory environments; Tenable Web App Scanning, which provides scanning for modern web applications; Tenable Lumin Exposure View, a measurement tool; Tenable Attack Surface Management, an external attack surface management solution; Tenable Security Center, an on-premises solution that provides a risk-based view of an organization’s IT, security and compliance posture; and Tenable OT Security, an operational technology security solution which provides threat detection, asset tracking, vulnerability management, and configuration control capabilities. The company also offers Nessus, a vulnerability assessment solution for cybersecurity industry and enterprise platform; and Nessus Expert, that enables users to programmatically detect cloud infrastructure misconfigurations and vulnerabilities in the design and build phase. Tenable Holdings, Inc. was founded in 2002 and is headquartered in Columbia, Maryland.