14.9 USD
-0.31 (-2.04%)
15.23 USD
+0.33 (+2.21%)
Taking everything into account, PMTS scores 6 out of 10 in our fundamental rating. PMTS was compared to 35 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! This makes PMTS very considerable for value investing!
1. Profitability
1.1 Basic Checks
PMTS had positive earnings in the past year.
PMTS had a positive operating cash flow in the past year.
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
With a decent Return On Assets value of 3.53%, PMTS is doing good in the industry, outperforming 71.43% of the companies in the same industry.
The Return On Invested Capital of PMTS (11.93%) is better than 77.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is significantly above the industry average of 15.27%.
The last Return On Invested Capital (11.93%) 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 | 3.53% | ||
| ROE | N/A | ||
| ROIC | 11.93% |
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
PMTS has a Profit Margin of 2.79%. This is in the better half of the industry: PMTS outperforms 65.71% of its industry peers.
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 (10.18%) is better than 80.00% of its industry peers.
In the last couple of years the Operating Margin of PMTS has grown nicely.
PMTS's Gross Margin of 31.89% is in line compared to the rest of the industry. PMTS outperforms 57.14% of its industry peers.
PMTS's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.18% | ||
| PM (TTM) | 2.79% | ||
| GM | 31.89% |
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PMTS is creating value.
PMTS has less shares outstanding than it did 1 year ago.
PMTS has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PMTS has been reduced compared to a year ago.
2.2 Solvency
PMTS has an Altman-Z score of 2.22. 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 (2.22) which is comparable to the rest of the industry.
The Debt to FCF ratio of PMTS is 11.12, which is on the high side as it means it would take PMTS, 11.12 years of fcf income to pay off all of its debts.
PMTS's Debt to FCF ratio of 11.12 is in line compared to the rest of the industry. PMTS outperforms 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Altman-Z | 2.22 |
ROIC/WACC1.61
WACC7.42%
2.3 Liquidity
A Current Ratio of 2.56 indicates that PMTS has no problem at all paying its short term obligations.
The Current ratio of PMTS (2.56) is better than 71.43% of its industry peers.
PMTS has a Quick Ratio of 1.53. This is a normal value and indicates that PMTS is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.53, PMTS is doing good in the industry, outperforming 65.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.56 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
PMTS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.40%.
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 12.48%.
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)-8.4%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%72.73%
Revenue 1Y (TTM)12.48%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%10.59%
3.2 Future
The Earnings Per Share is expected to grow by 27.21% on average over the next years. This is a very strong growth
Based on estimates for the next years, PMTS will show a quite strong growth in Revenue. The Revenue will grow by 9.25% on average per year.
EPS Next Y-26.59%
EPS Next 2Y19.82%
EPS Next 3Y27.21%
EPS Next 5YN/A
Revenue Next Year12.54%
Revenue Next 2Y10.51%
Revenue Next 3Y9.25%
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
Based on the Price/Earnings ratio of 12.42, the valuation of PMTS can be described as correct.
91.43% of the companies in the same industry are more expensive than PMTS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (26.84), we can say PMTS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.29, the valuation of PMTS can be described as very cheap.
Based on the Price/Forward Earnings ratio, PMTS is valued cheaper than 91.43% of the companies in the same industry.
PMTS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.42 | ||
| Fwd PE | 6.29 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PMTS is valued cheaply inside the industry as 97.14% of the companies are valued more expensively.
91.43% 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 | 6.12 | ||
| EV/EBITDA | 6.42 |
4.3 Compensation for Growth
PMTS has a very decent profitability rating, which may justify a higher PE ratio.
PMTS's earnings are expected to grow with 27.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.82%
EPS Next 3Y27.21%
5. Dividend
5.1 Amount
PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
14.9
-0.31 (-2.04%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners28.2%
Inst Owner Change-6.27%
Ins Owners2.91%
Ins Owner Change3.4%
Market Cap169.71M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target28.82 (93.42%)
Short Float %5.34%
Short Ratio4.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-75.55%
Min EPS beat(2)-92.2%
Max EPS beat(2)-58.91%
EPS beat(4)1
Avg EPS beat(4)-46.53%
Min EPS beat(4)-92.2%
Max EPS beat(4)4.94%
EPS beat(8)2
Avg EPS beat(8)-37.34%
EPS beat(12)5
Avg EPS beat(12)-0.62%
EPS beat(16)8
Avg EPS beat(16)7.89%
Revenue beat(2)0
Avg Revenue beat(2)-4.07%
Min Revenue beat(2)-4.33%
Max Revenue beat(2)-3.81%
Revenue beat(4)1
Avg Revenue beat(4)-1.71%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)1.75%
Revenue beat(8)4
Avg Revenue beat(8)0.52%
Revenue beat(12)7
Avg Revenue beat(12)2.4%
Revenue beat(16)10
Avg Revenue beat(16)3.64%
PT rev (1m)0%
PT rev (3m)-16.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-36.74%
EPS NY rev (1m)-33.16%
EPS NY rev (3m)-33.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)-0.99%
Revenue NY rev (3m)-0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.42 | ||
| Fwd PE | 6.29 | ||
| P/S | 0.33 | ||
| P/FCF | 6.12 | ||
| P/OCF | 3.64 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.42 |
EPS(TTM)1.2
EY8.05%
EPS(NY)2.37
Fwd EY15.9%
FCF(TTM)2.44
FCFY16.34%
OCF(TTM)4.09
OCFY27.44%
SpS45.27
BVpS-2.25
TBVpS-8.43
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.53% | ||
| ROE | N/A | ||
| ROCE | 16.17% | ||
| ROIC | 11.93% | ||
| ROICexc | 12.55% | ||
| ROICexgc | 16.26% | ||
| OM | 10.18% | ||
| PM (TTM) | 2.79% | ||
| GM | 31.89% | ||
| FCFM | 5.38% |
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 Turnover1.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Debt/EBITDA | 4.25 | ||
| Cap/Depr | 93.8% | ||
| Cap/Sales | 3.65% | ||
| Interest Coverage | 1.63 | ||
| Cash Conversion | 64.18% | ||
| Profit Quality | 192.99% | ||
| Current Ratio | 2.56 | ||
| Quick Ratio | 1.53 | ||
| Altman-Z | 2.22 |
F-Score4
WACC7.42%
ROIC/WACC1.61
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)-8.4%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%72.73%
EPS Next Y-26.59%
EPS Next 2Y19.82%
EPS Next 3Y27.21%
EPS Next 5YN/A
Revenue 1Y (TTM)12.48%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%10.59%
Revenue Next Year12.54%
Revenue Next 2Y10.51%
Revenue Next 3Y9.25%
Revenue Next 5YN/A
EBIT growth 1Y-8.55%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year47.62%
EBIT Next 3Y24.12%
EBIT Next 5YN/A
FCF growth 1Y-14.37%
FCF growth 3Y49.66%
FCF growth 5YN/A
OCF growth 1Y11.15%
OCF growth 3Y28.89%
OCF growth 5Y72.45%
CPI CARD GROUP INC / PMTS FAQ
What is the fundamental rating for PMTS stock?
ChartMill assigns a fundamental rating of 6 / 10 to PMTS.
Can you provide the valuation status for CPI CARD GROUP INC?
ChartMill assigns a valuation rating of 8 / 10 to CPI CARD GROUP INC (PMTS). This can be considered as Undervalued.
What is the profitability of PMTS stock?
CPI CARD GROUP INC (PMTS) has a profitability rating of 7 / 10.
What is the expected EPS growth for CPI CARD GROUP INC (PMTS) stock?
The Earnings per Share (EPS) of CPI CARD GROUP INC (PMTS) is expected to decline by -26.59% in the next year.
Can you provide the dividend sustainability for PMTS stock?
The dividend rating of CPI CARD GROUP INC (PMTS) is 0 / 10 and the dividend payout ratio is 0%.