CPI Card Group Inc. (PMTS) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
CPI Card Group Inc., along with its affiliated entities, specializes in the full spectrum of financial payment card services. This includes everything from the initial design and manufacturing to the personalized data integration, secure packaging, and final distribution of these cards. The company operates through two primary divisions: Debit and Credit, and Prepaid Debit.
Analysis Summary
CPI Card Group Inc. reported revenue of $543.5M in the most recent fiscal year, growing at a 5-year CAGR of 11.7%. Net income reached $14.9M, with a -1.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 31.0%, operating margin 9.2%, net margin 2.3%. Free cash flow grew at 22.6% CAGR over 5 years.
At the current price of $24.20, PMTS trades at a P/E of 19.94 and an ROE of -80.34%. Market capitalisation stands at $278M.
Balance sheet quality for PMTS: current ratio of 2.4, net debt of $315.8M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $41.3M represents 276% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $24.20 |
| Market Cap | $278M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 19.94 |
| Price / Book | -23.93 |
| EV / EBITDA | 7.44 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | -80.34% |
| Return on Invested Capital | 11.14% |
| Return on Assets | 3.52% |
| Gross Margin | 30.97% |
| Operating Margin | 9.22% |
| Net Margin | 2.34% |
Financial Health
| Debt / Equity | -23.98 |
| Current Ratio | 2.09 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PMTS | CPI Card Group Inc. | $277M | 19.94 | -80.3% | |
| V | Visa Inc. | $701.3B | 31.51 | 20.17 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.9B | 31.18 | 89.26 | 232.5% |
| MA | Mastercard Incorporated | $496.2B | 30.99 | 88.70 | 232.5% |
| AXP | American Express Company | $210.3B | 18.87 | 6.16 | 34.1% |
| COF | Capital One Financial Corporation | $127.8B | 12.62 | 1.11 | 9.3% |
| 0HT4.L | Capital One Financial Corporation | $125.4B | 56.38 | 1.08 | 2.2% |
| 0R3C.L | American Express Company | $112.9B | 18.89 | 6.16 | 34.1% |
Price Performance
| 1 month | -12.93% |
| 3 months | +32.42% |
| Year-to-date | +64.71% |
| 1 year | +52.75% |
| 3 years | +31.13% |
52-Week Range
| 52-week High | $31.25 |
| 52-week Low | $10.81 |
| Avg Volume (90d) | 99K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2017-06-14 | $0.0450 | 0.74% |
| 2017-03-15 | $0.0450 | 0.74% |
| 2016-12-14 | $0.0450 | 0.74% |
| 2016-09-14 | $0.0450 | 0.74% |
| 2016-06-14 | $0.0450 | 0.74% |
| 2016-03-15 | $0.0450 | 0.74% |
Related companies: CPSS · CURR · EFSI · FCCO · FRAF · LPRO · MFIN
Explore sector: Financial Services · Financial - Credit Services
More sections of PMTS: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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