International Card Establishment, Inc. (ICRD) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerInternational Card Establishment, Inc. (ICRD) trades at $0.0001. International Card Establishment, Inc. provides merchant services, including payment processing, gift and loyalty programs, and merchant terminals. Sector: Technology.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for ICRD: ICRD does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
International Card Establishment, Inc. (ICRD) Technology Profile & Competitive Position
International Card Establishment, Inc. (ICRD) offers payment processing solutions and merchant services tailored for brick and mortar businesses in the United States. Their offerings include proprietary gift and loyalty programs, customized gift cards, and a range of merchant terminals, positioning them as a comprehensive service provider in the payments technology sector.
What Is the Investment Thesis for ICRD?
Investing in International Card Establishment, Inc. (ICRD) requires careful consideration of its current financial standing and market position. With a negative P/E ratio of -0.02 and a negative profit margin of -15.1%, the company's profitability is a significant concern. However, a gross margin of 52.5% indicates potential for improved efficiency. Key growth catalysts include expanding its agent program and enhancing its technology offerings. Potential risks include intense competition in the payment processing sector and the company's high beta of 5.17, indicating significant volatility. The investment thesis hinges on ICRD's ability to leverage its existing services to achieve sustainable growth and profitability.
Based on FMP financials and quantitative analysis
ICRD Key Highlights
Market Cap of $0.00B reflects the company's small size and potential for growth or volatility.
- P/E Ratio of -0.02 indicates the company is currently not profitable.
- Profit Margin of -15.1% signals challenges in achieving profitability.
- Gross Margin of 52.5% suggests potential for profitability with improved cost management.
- Beta of 5.17 indicates high volatility compared to the market.
Who Are ICRD's Competitors?
ICRD is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| MNDO MIND C.T.I. Ltd. | $0.98 | -2.97% | $20.0M | 78 5-pillar |
| IDN Intellicheck, Inc. | $2.26 | -0.44% | $46.1M | 75 5-pillar |
| NTWK NetSol Technologies, Inc. | $6.17 | +3.70% | $74.4M | 84 5-pillar |
| TRAK ReposiTrak, Inc. | $8.08 | -0.12% | $147M | 75 5-pillar |
| PERF Perfect Corp. | $1.92 | +0.52% | $197M | 85 5-pillar |
| IMMR Immersion Corporation | $7.27 | -1.62% | $245M | 82 5-pillar |
| RMNI Rimini Street, Inc. | $4.18 | -1.42% | $399M | 73 5-pillar |
| MTLS Materialise NV | $8.55 | +0.59% | $502M | 73 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ICRD's Key Strengths?
Proprietary gift and loyalty programs.
- Customized gift card options.
- Agent program for expanded reach.
- Customer support services.
What Are ICRD's Weaknesses?
Negative profit margin.
- High beta indicating volatility.
- Small market capitalization.
- Dependence on brick and mortar merchants.
What Are the Key Risks for ICRD?
Financial-distress signal — its Altman Z-Score of -19.35 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-86.8%) — the business is not currently generating profit on shareholder capital.
- Intense competition in the payment processing sector.
- Evolving consumer preferences for digital payments.
- Increasing regulatory scrutiny.
- Negative profit margin affecting financial stability.
- High beta indicating significant volatility.
What Are ICRD's Competitive Advantages?
- Proprietary gift and loyalty program offers a unique service.
- Customized gift card options provide differentiation.
- Agent program expands reach and distribution.
- Customer support enhances customer retention.
What Does ICRD Do?
International Card Establishment, Inc., headquartered in Camarillo, California, provides a suite of merchant services primarily focused on payment processing solutions for brick and mortar businesses in the United States. The company offers a range of services, including payment processing, proprietary gift and loyalty programs, and customized gift cards. ICRD also provides various merchant terminals and accessories, along with a leasing program to facilitate access to necessary equipment. Customer support is a key component of their service offering, ensuring merchants can effectively manage their payment systems. Additionally, ICRD operates an agent program, expanding its reach through partnerships and distribution networks. The company's focus on customized solutions and comprehensive support aims to provide merchants with the tools they need to manage transactions and enhance customer engagement.
What Products and Services Does ICRD Offer?
- Provides payment processing services for brick and mortar merchants.
- Offers proprietary gift and loyalty programs.
- Creates gift cards with customized artwork.
- Supplies various merchant terminals and accessories.
- Provides a leasing program for merchant equipment.
- Offers customer support services.
- Operates an agent program to expand its reach.
How Does ICRD Make Money?
- Generates revenue through payment processing fees charged to merchants.
- Earns income from the sale and lease of merchant terminals and accessories.
- Receives fees for providing gift and loyalty program services.
- Gains revenue from customized gift card sales.
What Industry Does ICRD Operate In?
International Card Establishment, Inc. operates within the competitive payment processing and merchant services industry. This sector is characterized by rapid technological advancements, evolving consumer preferences, and increasing regulatory scrutiny. Key trends include the rise of mobile payments, the growing importance of data security, and the demand for integrated solutions. Competitors range from large, established players to smaller, niche providers. ICRD's ability to differentiate itself through customized solutions and strong customer support will be crucial for success in this dynamic landscape.
Who Are ICRD's Key Customers?
- Brick and mortar merchants in the United States.
- Small and medium-sized businesses (SMBs).
- Retail businesses requiring payment processing solutions.
- Businesses seeking gift and loyalty program services.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
International Card Establishment, Inc. operates in the Software - Application industry within the Technology sector. It is headquartered in Camarillo, US. The company is led by CEO Kelani Long. ICRD has traded publicly since 1999.
Key Financial Metrics
Return on equity for International Card Establishment, Inc. stands at -86.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -30.9%, showing how much profit it generates from its asset base. A current ratio of 0.18 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
International Card Establishment, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -19.35 places it in the distress zone, a signal of elevated financial risk.
ICRD Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
ICRD Latest News
No recent news available for ICRD.
ICRD Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for ICRD.
Price Targets
Wall Street price target analysis for ICRD.
ICRD MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for ICRD; grades run from A+ (80-100) to F (below 30).
Leadership: Kelani Long
CEO
Kelani Long serves as the CEO of International Card Establishment, Inc. (ICRD). As CEO, Kelani Long is responsible for the strategic direction and overall performance of the company, overseeing all aspects of its operations, including payment processing services, gift and loyalty programs, and merchant terminal solutions.
Track Record: Under Kelani Long's leadership, International Card Establishment, Inc. manages a team of 15 employees. Specific achievements and milestones during their tenure are not available. Kelani Long's focus is on maintaining and growing the company's presence in the merchant services sector within the United States.
ICRD OTC Market Information
The OTC Other tier, where International Card Establishment, Inc. trades, represents the lowest tier of the OTC market. Companies in this tier often have limited or no financial disclosure, and may not meet minimum listing requirements. This tier is distinct from the higher OTCQX and OTCQB tiers, which require companies to meet certain financial standards and undergo regular audits. Trading on the OTC Other tier carries significant risks due to the lack of transparency and regulatory oversight compared to exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited or no financial disclosure.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Higher risk of fraud or scams.
- Lack of regulatory oversight.
- Verify the company's registration and legal standing.
- Review any available financial statements, even if limited.
- Assess the company's business model and market position.
- Research the background and experience of the management team.
- Check for any regulatory actions or legal disputes.
- Monitor trading activity and price movements closely.
- Consult with a financial advisor before investing.
- Company provides merchant services in the United States.
- Offers payment processing, gift cards and loyalty programs.
- Headquartered in Camarillo, California.
ICRD Technology Stock FAQ
What do analysts say about ICRD stock?
As of 2026-03-18, there is no available analyst coverage or consensus on International Card Establishment, Inc. (ICRD) stock. Given its OTC Other listing and limited financial disclosure, traditional analyst coverage is unlikely.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Financial data is limited and may not be fully up-to-date.
- OTC market investments carry higher risks than exchange-listed stocks.