International Card Establishment Inc (ICRD) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of International Card Establishment Inc $0.00, price $0.00, upside +0.0%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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International Card Establishment, Inc. provides merchant services in the United States. It offers payment processing services for brick and mortar merchants; proprietary gift and loyalty program; gift cards with customized artwork; various merchant terminals and accessories; leasing program; customer support; and agent program.
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International Card Establishment, Inc. provides merchant services in the United States. It offers payment processing services for brick and mortar merchants; proprietary gift and loyalty program; gift cards with customized artwork; various merchant terminals and accessories; leasing program; customer support; and agent program. The company is headquartered in Camarillo, California.
Stock analysis
International Card Establishment Inc (ICRD) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, so the stock looks roughly fairly valued today (gap 0.0%).
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Valuation
Bull case: the Growth DCF group reads highest at a median of $0.0001 per share, and 0 of the 6 models we run sit above the $0.0001 price.
Bear case: the DCF Models group reads lowest at $0.0001, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 44/100 (below-average quality), in the Technology sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
International Card Establishment Inc reported revenue of $2.7M in FY2011 versus $9.2M in FY2007, a compound −26.2%/yr. Reported net income was −$414K in FY2011.
Key figures
Market cap $3.6K · Net margin −15.1% · Return on equity −60.0% · Return on assets (EBIT) −43.4% · Operating margin −3.3% · Revenue (TTM) $2.7M · Revenue growth (YoY) +0.7% · Free cash flow $293K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
The share trades about 67% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at 0%, ICRD screens cheaper than that median.
Fair Value models
Bear $0.0001Fair Value $0.0001Bull $0.0001
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.15/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−10.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−28.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−24.0%
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+37.7%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−27.0% (2006) → −14.3% (2011)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2011 is a loss year, no rate is defined from a loss
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 685 stocks
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Is International Card Establishment Inc (ICRD) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0001 versus the last price from Sep 25, 2026 of $0.0001, about +0% upside (fairly valued).
What is the fair value of ICRD?
Our model-based fair value for International Card Establishment Inc is $0.0001 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.0001.
What is the quality score of ICRD?
International Card Establishment Inc has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for International Card Establishment Inc (ICRD)?
Our model-based price target is the fair value of $0.0001 (as of Sep 27, 2026) from 6 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the International Card Establishment Inc stock forecast for 2026?
Our models put fair value at $0.0001, about +0% upside versus the last price from Sep 25, 2026 of $0.0001 (fairly valued). The calculation is refreshed regularly with new filings.
What is the revenue of International Card Establishment Inc (ICRD)?
International Card Establishment Inc reported trailing-twelve-month revenue of about $2.7M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of International Card Establishment Inc (ICRD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For International Card Establishment Inc it is $0.0001 per share (as of Sep 27, 2026), against a price of $0.0001. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is International Card Establishment Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, ICRD trades below its calculated fair value: price $0.0001, fair value $0.0001, a gap of about +0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ICRD?
No. The price is what the market pays today ($0.0001); the fair value is what the company's own numbers justify ($0.0001). For International Card Establishment Inc the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is International Card Establishment Inc worth?
The market values International Card Establishment Inc at about $3.6K (market capitalisation, as of Sep 27, 2026). Per share that is $0.0001; our models calculate a fair value of $0.0001 per share.
How solid is the balance sheet of International Card Establishment Inc (ICRD)?
Balance-sheet figures for International Card Establishment Inc (as of Sep 27, 2026): return on equity −60.0%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is ICRD from its 52-week high?
International Card Establishment Inc trades at $0.0001, about 67% below its 52-week high of $0.0003 and at the low of $0.0001 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0001 is for.
Which stocks are comparable to International Card Establishment Inc?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is International Card Establishment Inc stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0001, calculated fair value $0.0001 (+0%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ICRD calculated?
We run International Card Establishment Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0001, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. International Card Establishment Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of International Card Establishment Inc (ICRD)?
The latest price we hold is from Sep 25, 2026 and stands at $0.0001. Our model-based fair value is $0.0001, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with International Card Establishment Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of International Card Establishment Inc
How large is the market capitalisation of International Card Establishment Inc (ICRD)?
The market capitalisation of International Card Establishment Inc is $3.6K. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of International Card Establishment Inc (ICRD)?
The net margin of International Card Establishment Inc is −15.1% (fiscal year 2011). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of International Card Establishment Inc (ICRD)?
The return on equity (ROE) of International Card Establishment Inc is −60.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of International Card Establishment Inc (ICRD)?
On an EBIT basis the return on assets of International Card Establishment Inc is −43.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of International Card Establishment Inc (ICRD)?
The operating margin of International Card Establishment Inc is −3.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at International Card Establishment Inc (ICRD)?
Revenue at International Card Establishment Inc is growing +0.7% versus a year earlier (3y avg −28.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does International Card Establishment Inc (ICRD) generate?
The free cash flow of International Card Establishment Inc is $293K (fiscal year 2011). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does International Card Establishment Inc (ICRD) carry?
The net debt of International Card Establishment Inc is $416K (fiscal year 2011, ≈ 1.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 27, 2026