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CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis

NASDAQ:PMTS - Nasdaq - US12634H2004 - Common Stock - Currency: USD

19.98  -0.11 (-0.55%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to PMTS. PMTS was compared to 32 industry peers in the Technology Hardware, Storage & Peripherals industry. PMTS scores excellent on profitability, 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! These ratings would make PMTS suitable for value investing!


Dividend Valuation Growth Profitability Health

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7

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.
PMTS had a positive operating cash flow in each of the past 5 years.
PMTS Yearly Net Income VS EBIT VS OCF VS FCFPMTS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

1.2 Ratios

PMTS has a Return On Assets of 5.35%. This is in the better half of the industry: PMTS outperforms 71.88% of its industry peers.
Looking at the Return On Invested Capital, with a value of 16.15%, PMTS is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
PMTS had an Average Return On Invested Capital over the past 3 years of 20.36%. This is above the industry average of 16.87%.
The 3 year average ROIC (20.36%) for PMTS is well above the current ROIC(16.15%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 5.35%
ROE N/A
ROIC 16.15%
ROA(3y)8.68%
ROA(5y)7.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)20.36%
ROIC(5y)19.24%
PMTS Yearly ROA, ROE, ROICPMTS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

With a decent Profit Margin value of 3.83%, PMTS is doing good in the industry, outperforming 62.50% of the companies in the same industry.
PMTS's Profit Margin has been stable in the last couple of years.
PMTS has a Operating Margin of 12.77%. This is in the better half of the industry: PMTS outperforms 78.13% of its industry peers.
In the last couple of years the Operating Margin of PMTS has grown nicely.
PMTS has a Gross Margin of 34.67%. This is comparable to the rest of the industry: PMTS outperforms 59.38% of its industry peers.
In the last couple of years the Gross Margin of PMTS has grown nicely.
Industry RankSector Rank
OM 12.77%
PM (TTM) 3.83%
GM 34.67%
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%
PMTS Yearly Profit, Operating, Gross MarginsPMTS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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5

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PMTS is creating value.
Compared to 1 year ago, PMTS has less shares outstanding
Compared to 5 years ago, PMTS has more shares outstanding
Compared to 1 year ago, PMTS has an improved debt to assets ratio.
PMTS Yearly Shares OutstandingPMTS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
PMTS Yearly Total Debt VS Total AssetsPMTS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

PMTS has an Altman-Z score of 2.66. 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.
PMTS has a Altman-Z score of 2.66. This is in the better half of the industry: PMTS outperforms 68.75% of its industry peers.
PMTS has a debt to FCF ratio of 10.40. This is a negative value and a sign of low solvency as PMTS would need 10.40 years to pay back of all of its debts.
PMTS has a Debt to FCF ratio (10.40) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 10.4
Altman-Z 2.66
ROIC/WACC2.09
WACC7.72%
PMTS Yearly LT Debt VS Equity VS FCFPMTS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

PMTS has a Current Ratio of 2.95. This indicates that PMTS is financially healthy and has no problem in meeting its short term obligations.
PMTS's Current ratio of 2.95 is fine compared to the rest of the industry. PMTS outperforms 78.13% of its industry peers.
PMTS has a Quick Ratio of 1.80. This is a normal value and indicates that PMTS is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of PMTS (1.80) is better than 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 2.95
Quick Ratio 1.8
PMTS Yearly Current Assets VS Current LiabilitesPMTS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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6

3. Growth

3.1 Past

The earnings per share for PMTS have decreased by -8.09% in the last year.
The Earnings Per Share has been growing slightly by 6.51% on average over the past years.
The Revenue has grown by 12.79% in the past year. This is quite good.
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)-8.09%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-13.04%
Revenue 1Y (TTM)12.79%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.67%

3.2 Future

The Earnings Per Share is expected to grow by 50.01% on average over the next years. This is a very strong growth
PMTS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.37% yearly.
EPS Next Y93.7%
EPS Next 2Y50.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.44%
Revenue Next 2Y12.37%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
PMTS Yearly Revenue VS EstimatesPMTS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
PMTS Yearly EPS VS EstimatesPMTS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 2 3 4

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9

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.57, the valuation of PMTS can be described as correct.
81.25% of the companies in the same industry are more expensive than PMTS, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.82, PMTS is valued rather cheaply.
A Price/Forward Earnings ratio of 5.38 indicates a rather cheap valuation of PMTS.
Based on the Price/Forward Earnings ratio, PMTS is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, PMTS is valued rather cheaply.
Industry RankSector Rank
PE 12.57
Fwd PE 5.38
PMTS Price Earnings VS Forward Price EarningsPMTS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

90.63% of the companies in the same industry are more expensive than PMTS, based on the Enterprise Value to EBITDA ratio.
93.75% of the companies in the same industry are more expensive than PMTS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.35
EV/EBITDA 5.98
PMTS Per share dataPMTS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

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 50.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y50.01%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PMTS!.
Industry RankSector Rank
Dividend Yield N/A

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CPI CARD GROUP INC

NASDAQ:PMTS (5/23/2025, 8:47:09 PM)

19.98

-0.11 (-0.55%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)08-04 2025-08-04
Inst Owners29.19%
Inst Owner Change0.58%
Ins Owners1.77%
Ins Owner Change1.05%
Market Cap225.37M
Analysts82
Price Target37.99 (90.14%)
Short Float %1.25%
Short Ratio1.8
Dividend
Industry RankSector 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)1
Avg EPS beat(2)-17.52%
Min EPS beat(2)-39.98%
Max EPS beat(2)4.94%
EPS beat(4)1
Avg EPS beat(4)-31.83%
Min EPS beat(4)-78.99%
Max EPS beat(4)4.94%
EPS beat(8)3
Avg EPS beat(8)-10.89%
EPS beat(12)7
Avg EPS beat(12)21.02%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-0.45%
Max Revenue beat(2)1.75%
Revenue beat(4)3
Avg Revenue beat(4)2.51%
Min Revenue beat(4)-0.45%
Max Revenue beat(4)4.41%
Revenue beat(8)5
Avg Revenue beat(8)1.54%
Revenue beat(12)9
Avg Revenue beat(12)4.34%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.05%
EPS NQ rev (1m)-30.77%
EPS NQ rev (3m)-28.84%
EPS NY rev (1m)-1.16%
EPS NY rev (3m)11.01%
Revenue NQ rev (1m)3.52%
Revenue NQ rev (3m)2.95%
Revenue NY rev (1m)4.49%
Revenue NY rev (3m)5.51%
Valuation
Industry RankSector Rank
PE 12.57
Fwd PE 5.38
P/S 0.46
P/FCF 8.35
P/OCF 5.63
P/B N/A
P/tB N/A
EV/EBITDA 5.98
EPS(TTM)1.59
EY7.96%
EPS(NY)3.71
Fwd EY18.58%
FCF(TTM)2.39
FCFY11.98%
OCF(TTM)3.55
OCFY17.77%
SpS43.57
BVpS-2.63
TBVpS-7.67
PEG (NY)0.13
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 5.35%
ROE N/A
ROCE 21.89%
ROIC 16.15%
ROICexc 18.15%
ROICexgc 23.34%
OM 12.77%
PM (TTM) 3.83%
GM 34.67%
FCFM 5.49%
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%
ROICexcg growth 3Y-13.11%
ROICexcg 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-Score6
Asset Turnover1.4
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 10.4
Debt/EBITDA 3.53
Cap/Depr 78.39%
Cap/Sales 2.66%
Interest Coverage 2.13
Cash Conversion 50.43%
Profit Quality 143.25%
Current Ratio 2.95
Quick Ratio 1.8
Altman-Z 2.66
F-Score6
WACC7.72%
ROIC/WACC2.09
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)-8.09%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-13.04%
EPS Next Y93.7%
EPS Next 2Y50.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.79%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.67%
Revenue Next Year13.44%
Revenue Next 2Y12.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.71%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year62.1%
EBIT Next 3Y25.5%
EBIT Next 5YN/A
FCF growth 1Y-25.92%
FCF growth 3Y49.66%
FCF growth 5YN/A
OCF growth 1Y-27.59%
OCF growth 3Y28.89%
OCF growth 5Y72.45%