CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
NASDAQ:PMTS - US12634H2004 - Common Stock
15.57 USD
+0.84 (+5.7%)
15.56 USD
-0.01 (-0.06%)
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. While PMTS belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PMTS. These ratings could make PMTS a good candidate 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.
In the past 5 years PMTS has always been profitable.
PMTS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.34%, PMTS is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
The Return On Invested Capital of PMTS (13.18%) is better than 75.00% 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 15.13%.
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 62.50% of the companies in the same industry.
PMTS's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 11.40%, PMTS is in the better half of the industry, outperforming 78.13% of the companies in the same industry.
PMTS's Operating Margin has improved in the last couple of years.
PMTS has a Gross Margin (33.47%) which is comparable to the rest of the industry.
PMTS's Gross Margin has improved in the last couple of years.
| 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.
Compared to 1 year ago, PMTS has less shares outstanding
Compared to 5 years ago, PMTS has more shares outstanding
The debt/assets ratio for PMTS has been reduced compared to a year ago.
2.2 Solvency
PMTS has an Altman-Z score of 2.24. 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 2.24, PMTS is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
PMTS has a debt to FCF ratio of 9.28. This is a negative value and a sign of low solvency as PMTS would need 9.28 years to pay back of all of its debts.
The Debt to FCF ratio of PMTS (9.28) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 9.28 | ||
| Altman-Z | 2.24 |
ROIC/WACC1.76
WACC7.48%
2.3 Liquidity
PMTS has a Current Ratio of 2.59. This indicates that PMTS is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of PMTS (2.59) is better than 75.00% of its industry peers.
A Quick Ratio of 1.52 indicates that PMTS should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.52, PMTS is doing good in the industry, outperforming 68.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
The earnings per share for PMTS have decreased strongly by -33.73% in the last year.
PMTS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.51% yearly.
Looking at the last year, PMTS shows a quite strong growth in Revenue. The Revenue has grown by 14.30% in the last year.
Measured over the past years, PMTS shows a quite strong growth in Revenue. The Revenue has been growing by 11.56% on average per year.
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 35.23% on average per year.
Based on estimates for the next years, PMTS will show a quite strong growth in Revenue. The Revenue will grow by 10.45% on average per year.
EPS Next Y46.97%
EPS Next 2Y43.76%
EPS Next 3Y35.23%
EPS Next 5YN/A
Revenue Next Year13.44%
Revenue Next 2Y12.96%
Revenue Next 3Y10.45%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
PMTS is valuated correctly with a Price/Earnings ratio of 13.90.
Based on the Price/Earnings ratio, PMTS is valued cheaper than 87.50% of the companies in the same industry.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (27.24), we can say PMTS is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 4.57, the valuation of PMTS can be described as very cheap.
90.63% 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 35.82. PMTS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 4.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 100.00% of the companies listed in the same industry.
PMTS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PMTS is cheaper than 96.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.27 | ||
| EV/EBITDA | 6.11 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PMTS has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as PMTS's earnings are expected to grow with 35.23% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y43.76%
EPS Next 3Y35.23%
5. Dividend
5.1 Amount
No dividends for PMTS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15.57
+0.84 (+5.7%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners29.5%
Inst Owner Change3.47%
Ins Owners2.51%
Ins Owner Change2.52%
Market Cap176.56M
Analysts82
Price Target34.68 (122.74%)
Short Float %2.8%
Short Ratio2.57
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)-1.34%
EPS NQ rev (1m)-15.97%
EPS NQ rev (3m)-25%
EPS NY rev (1m)0%
EPS NY rev (3m)-25%
Revenue NQ rev (1m)-2.33%
Revenue NQ rev (3m)4.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 4.57 | ||
| P/S | 0.35 | ||
| P/FCF | 5.27 | ||
| P/OCF | 3.59 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.11 |
EPS(TTM)1.12
EY7.19%
EPS(NY)3.41
Fwd EY21.9%
FCF(TTM)2.96
FCFY18.98%
OCF(TTM)4.33
OCFY27.83%
SpS44.3
BVpS-2.56
TBVpS-8.66
PEG (NY)0.3
PEG (5Y)N/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%
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-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 | 2.24 |
F-Score4
WACC7.48%
ROIC/WACC1.76
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 Y46.97%
EPS Next 2Y43.76%
EPS Next 3Y35.23%
EPS Next 5YN/A
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.2%
Revenue Next Year13.44%
Revenue Next 2Y12.96%
Revenue Next 3Y10.45%
Revenue Next 5YN/A
EBIT growth 1Y8.88%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year58.67%
EBIT Next 3Y25.5%
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%