CPI CARD GROUP INC (PMTS)
US12634H2004 - Common Stock
Taking everything into account, PMTS scores 6 out of 10 in our fundamental rating. PMTS was compared to 32 industry peers in the Technology Hardware, Storage & Peripherals industry. While PMTS belongs to the best of the industry regarding profitability, 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! This makes PMTS very considerable for value investing!
1. Profitability
1.1 Basic Checks
In the past year PMTS was profitable.
In the past year PMTS had a positive cash flow from operations.
PMTS had positive earnings in 4 of the past 5 years.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.18%, PMTS is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
The Return On Invested Capital of PMTS (18.16%) is better than 84.38% of its industry peers.
PMTS had an Average Return On Invested Capital over the past 3 years of 21.37%. This is significantly above the industry average of 14.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.18% | ||
| ROE | N/A | ||
| ROIC | 18.16% |
ROA(3y)8.8%
ROA(5y)6.01%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)21.37%
ROIC(5y)17.03%
1.3 Margins
PMTS has a better Profit Margin (5.40%) than 71.88% of its industry peers.
PMTS's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 13.86%, PMTS belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
In the last couple of years the Operating Margin of PMTS has grown nicely.
Looking at the Gross Margin, with a value of 34.97%, PMTS is in line with its industry, outperforming 56.25% of the companies in the same industry.
PMTS's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.86% | ||
| PM (TTM) | 5.4% | ||
| GM | 34.97% |
OM growth 3Y4.05%
OM growth 5Y44.63%
PM growth 3Y1.52%
PM growth 5YN/A
GM growth 3Y-0.33%
GM growth 5Y2.62%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PMTS is creating value.
The number of shares outstanding for PMTS has been increased compared to 1 year ago.
The number of shares outstanding for PMTS has been increased compared to 5 years ago.
Compared to 1 year ago, PMTS has an improved debt to assets ratio.
2.2 Solvency
PMTS has an Altman-Z score of 2.78. This is not the best score and indicates that PMTS is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.78, PMTS is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
PMTS has a debt to FCF ratio of 10.10. This is a negative value and a sign of low solvency as PMTS would need 10.10 years to pay back of all of its debts.
PMTS has a Debt to FCF ratio (10.10) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 10.1 | ||
| Altman-Z | 2.78 |
ROIC/WACC1.81
WACC10.06%
2.3 Liquidity
A Current Ratio of 3.34 indicates that PMTS has no problem at all paying its short term obligations.
PMTS's Current ratio of 3.34 is fine compared to the rest of the industry. PMTS outperforms 75.00% of its industry peers.
A Quick Ratio of 1.92 indicates that PMTS should not have too much problems paying its short term obligations.
PMTS has a better Quick ratio (1.92) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.34 | ||
| Quick Ratio | 1.92 |
3. Growth
3.1 Past
PMTS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -29.68%.
The Earnings Per Share has been growing by 11.81% on average over the past years. This is quite good.
Looking at the last year, PMTS shows a decrease in Revenue. The Revenue has decreased by -6.52% in the last year.
PMTS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.69% yearly.
EPS 1Y (TTM)-29.68%
EPS 3Y11.81%
EPS 5YN/A
EPS growth Q2Q-78.3%
Revenue 1Y (TTM)-6.52%
Revenue growth 3Y12.5%
Revenue growth 5Y11.69%
Revenue growth Q2Q-18.61%
3.2 Future
PMTS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.24% yearly.
Based on estimates for the next years, PMTS will show a small growth in Revenue. The Revenue will grow by 3.28% on average per year.
EPS Next Y10.11%
EPS Next 2Y20.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.41%
Revenue Next 2Y3.28%
Revenue Next 3YN/A
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
PMTS is valuated reasonably with a Price/Earnings ratio of 8.37.
Based on the Price/Earnings ratio, PMTS is valued cheaply inside the industry as 90.63% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (24.84), we can say PMTS is valued rather cheaply.
The Price/Forward Earnings ratio is 7.60, which indicates a rather cheap valuation of PMTS.
PMTS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 93.75% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.35, PMTS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 7.6 |
4.2 Price Multiples
PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 87.50% of the companies in the same industry.
90.63% of the companies in the same industry are more expensive than PMTS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.53 | ||
| EV/EBITDA | 6.05 |
4.3 Compensation for Growth
PMTS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of PMTS may justify a higher PE ratio.
PMTS's earnings are expected to grow with 20.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)N/A
EPS Next 2Y20.24%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CPI CARD GROUP INC
NASDAQ:PMTS (4/29/2024, 3:01:51 PM)
After market: 18.25 0 (0%)18.25
+0.5 (+2.82%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap208.05M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
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Div Incr Years
Div Non Decr Years
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Surprises & Revisions
EPS beat(2)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 7.6 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.83
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.18% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 13.86% | ||
| PM (TTM) | 5.4% | ||
| GM | 34.97% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.51
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.34 | ||
| Quick Ratio | 1.92 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-29.68%
EPS 3Y11.81%
EPS 5Y
EPS growth Q2Q
EPS Next Y10.11%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-6.52%
Revenue growth 3Y12.5%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y