CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
USA - NASDAQ:PMTS - US12634H2004 - Common Stock
17.22 USD
+0.97 (+5.97%)
17.22 USD
0 (0%)
Taking everything into account, PMTS scores 6 out of 10 in our fundamental rating. PMTS was compared to 34 industry peers in the Technology Hardware, Storage & Peripherals industry. PMTS has an excellent profitability rating, but there are some minor concerns on its financial health. PMTS is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, PMTS could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
PMTS had positive earnings in the past year.
In the past year PMTS had a positive cash flow from operations.
Each year in the past 5 years PMTS has been profitable.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
PMTS's Return On Assets of 3.34% is fine compared to the rest of the industry. PMTS outperforms 70.59% of its industry peers.
PMTS's Return On Invested Capital of 13.18% is fine compared to the rest of the industry. PMTS outperforms 76.47% of its industry peers.
PMTS had an Average Return On Invested Capital over the past 3 years of 20.36%. This is significantly above the industry average of 14.92%.
The last Return On Invested Capital (13.18%) for PMTS is well below the 3 year average (20.36%), which needs to be investigated, but indicates that PMTS had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.34% | ||
| ROE | N/A | ||
| ROIC | 13.18% |
ROA(3y)8.68%
ROA(5y)7.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)20.36%
ROIC(5y)19.24%
1.3 Margins
With a decent Profit Margin value of 2.66%, PMTS is doing good in the industry, outperforming 64.71% of the companies in the same industry.
In the last couple of years the Profit Margin of PMTS has remained more or less at the same level.
The Operating Margin of PMTS (11.40%) is better than 79.41% of its industry peers.
In the last couple of years the Operating Margin of PMTS has grown nicely.
PMTS has a Gross Margin (33.47%) which is in line with its industry peers.
In the last couple of years the Gross Margin of PMTS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.4% | ||
| PM (TTM) | 2.66% | ||
| GM | 33.47% |
OM growth 3Y-6.21%
OM growth 5Y14.21%
PM growth 3Y-1.41%
PM growth 5YN/A
GM growth 3Y-1.87%
GM growth 5Y1.69%
2. Health
2.1 Basic Checks
PMTS has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
PMTS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PMTS has been increased compared to 5 years ago.
PMTS has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.28 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of PMTS (2.28) is comparable to the rest of the industry.
The Debt to FCF ratio of PMTS is 9.28, which is on the high side as it means it would take PMTS, 9.28 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 9.28, PMTS perfoms like the industry average, outperforming 58.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 9.28 | ||
| Altman-Z | 2.28 |
ROIC/WACC1.78
WACC7.42%
2.3 Liquidity
A Current Ratio of 2.59 indicates that PMTS has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.59, PMTS is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
PMTS has a Quick Ratio of 1.52. This is a normal value and indicates that PMTS is financially healthy and should not expect problems in meeting its short term obligations.
PMTS has a better Quick ratio (1.52) than 67.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
PMTS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.73%.
The Earnings Per Share has been growing slightly by 6.51% on average over the past years.
PMTS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.30%.
PMTS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.56% yearly.
EPS 1Y (TTM)-33.73%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-92.16%
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.2%
3.2 Future
Based on estimates for the next years, PMTS will show a very strong growth in Earnings Per Share. The EPS will grow by 28.97% on average per year.
PMTS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.43% yearly.
EPS Next Y9.83%
EPS Next 2Y35.95%
EPS Next 3Y28.97%
EPS Next 5YN/A
Revenue Next Year13.67%
Revenue Next 2Y12.1%
Revenue Next 3Y9.43%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.37, the valuation of PMTS can be described as correct.
PMTS's Price/Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 91.18% of the companies in the same industry.
PMTS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.67.
PMTS is valuated cheaply with a Price/Forward Earnings ratio of 5.65.
91.18% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.33. PMTS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.37 | ||
| Fwd PE | 5.65 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PMTS is valued cheaper than 100.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 94.12% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.83 | ||
| EV/EBITDA | 6.49 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of PMTS may justify a higher PE ratio.
PMTS's earnings are expected to grow with 28.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.56
PEG (5Y)N/A
EPS Next 2Y35.95%
EPS Next 3Y28.97%
5. Dividend
5.1 Amount
PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.22
+0.97 (+5.97%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners30.37%
Inst Owner Change0.17%
Ins Owners2.78%
Ins Owner Change2.99%
Market Cap195.27M
Revenue(TTM)502.36M
Net Income(TTM)13.36M
Analysts82
Price Target34.68 (101.39%)
Short Float %2.5%
Short Ratio2.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-66.09%
Min EPS beat(2)-92.2%
Max EPS beat(2)-39.98%
EPS beat(4)1
Avg EPS beat(4)-51.55%
Min EPS beat(4)-92.2%
Max EPS beat(4)4.94%
EPS beat(8)2
Avg EPS beat(8)-30.34%
EPS beat(12)6
Avg EPS beat(12)10.18%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-4.33%
Max Revenue beat(2)-0.45%
Revenue beat(4)2
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)4.41%
Revenue beat(8)4
Avg Revenue beat(8)-0.11%
Revenue beat(12)8
Avg Revenue beat(12)3.22%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-7.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-37.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-25.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.37 | ||
| Fwd PE | 5.65 | ||
| P/S | 0.39 | ||
| P/FCF | 5.83 | ||
| P/OCF | 3.97 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.49 |
EPS(TTM)1.12
EY6.5%
EPS(NY)3.05
Fwd EY17.71%
FCF(TTM)2.96
FCFY17.16%
OCF(TTM)4.33
OCFY25.17%
SpS44.3
BVpS-2.56
TBVpS-8.66
PEG (NY)1.56
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.34% | ||
| ROE | N/A | ||
| ROCE | 17.85% | ||
| ROIC | 13.18% | ||
| ROICexc | 13.92% | ||
| ROICexgc | 18.02% | ||
| OM | 11.4% | ||
| PM (TTM) | 2.66% | ||
| GM | 33.47% | ||
| FCFM | 6.67% |
ROA(3y)8.68%
ROA(5y)7.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)20.36%
ROIC(5y)19.24%
ROICexc(3y)21.91%
ROICexc(5y)21.68%
ROICexgc(3y)30.11%
ROICexgc(5y)33.03%
ROCE(3y)27.59%
ROCE(5y)26.06%
ROICexgc growth 3Y-13.11%
ROICexgc growth 5Y6.49%
ROICexc growth 3Y-7.07%
ROICexc growth 5Y16.33%
OM growth 3Y-6.21%
OM growth 5Y14.21%
PM growth 3Y-1.41%
PM growth 5YN/A
GM growth 3Y-1.87%
GM growth 5Y1.69%
F-Score4
Asset Turnover1.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 9.28 | ||
| Debt/EBITDA | 4.12 | ||
| Cap/Depr | 86.25% | ||
| Cap/Sales | 3.11% | ||
| Interest Coverage | 1.95 | ||
| Cash Conversion | 65.19% | ||
| Profit Quality | 250.93% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 1.52 | ||
| Altman-Z | 2.28 |
F-Score4
WACC7.42%
ROIC/WACC1.78
Cap/Depr(3y)72.2%
Cap/Depr(5y)65.08%
Cap/Sales(3y)2.37%
Cap/Sales(5y)2.42%
Profit Quality(3y)108.86%
Profit Quality(5y)96.63%
High Growth Momentum
Growth
EPS 1Y (TTM)-33.73%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-92.16%
EPS Next Y9.83%
EPS Next 2Y35.95%
EPS Next 3Y28.97%
EPS Next 5YN/A
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.2%
Revenue Next Year13.67%
Revenue Next 2Y12.1%
Revenue Next 3Y9.43%
Revenue Next 5YN/A
EBIT growth 1Y8.88%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year54.42%
EBIT Next 3Y24.37%
EBIT Next 5YN/A
FCF growth 1Y-0.04%
FCF growth 3Y49.66%
FCF growth 5YN/A
OCF growth 1Y-1.34%
OCF growth 3Y28.89%
OCF growth 5Y72.45%