CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
NASDAQ:PMTS - Nasdaq - US12634H2004 - Common Stock - Currency: USD
PMTS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 32 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on PMTS. These ratings would make PMTS suitable 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.
In the past 5 years PMTS has always been profitable.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
PMTS has a better Return On Assets (5.35%) than 75.00% of its industry peers.
PMTS's Return On Invested Capital of 16.15% is fine compared to the rest of the industry. PMTS outperforms 75.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is above the industry average of 16.14%.
The last Return On Invested Capital (16.15%) 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 | 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%
1.3 Margins
With a Profit Margin value of 3.83%, PMTS perfoms like the industry average, outperforming 59.38% of the companies in the same industry.
PMTS's Profit Margin has been stable in the last couple of years.
With a decent Operating Margin value of 12.77%, PMTS is doing good in 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 of 34.67%. This is in the better half of the industry: PMTS outperforms 62.50% of its industry peers.
PMTS's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
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.
The number of shares outstanding for PMTS has been reduced compared to 1 year ago.
PMTS has more shares outstanding than it did 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 2.65. 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's Altman-Z score of 2.65 is fine compared to the rest of the industry. PMTS outperforms 65.63% 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.
The Debt to FCF ratio of PMTS (10.40) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 10.4 | ||
| Altman-Z | 2.65 |
ROIC/WACC2.12
WACC7.63%
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.
Looking at the Quick ratio, with a value of 1.80, PMTS is in the better half of the industry, outperforming 71.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.95 | ||
| Quick Ratio | 1.8 |
3. Growth
3.1 Past
PMTS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.09%.
PMTS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.51% yearly.
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
PMTS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.23% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.79, the valuation of PMTS can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 87.50% of the companies listed in the same industry.
PMTS is valuated cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.50, which indicates a rather cheap valuation of PMTS.
87.50% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
PMTS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 5.5 |
4.2 Price Multiples
PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 100.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PMTS is valued cheaper than 96.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.83 | ||
| EV/EBITDA | 5.9 |
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)0.25
PEG (5Y)N/A
EPS Next 2Y43.76%
EPS Next 3Y35.23%
5. Dividend
5.1 Amount
PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
18.745
-0.66 (-3.43%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners29.17%
Inst Owner Change0.65%
Ins Owners2.46%
Ins Owner Change2.15%
Market Cap211.44M
Analysts82
Price Target37.49 (100%)
Short Float %2.76%
Short Ratio2.88
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)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)-1.34%
EPS NQ rev (1m)-1.47%
EPS NQ rev (3m)-31.79%
EPS NY rev (1m)-4.9%
EPS NY rev (3m)-25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 5.5 | ||
| P/S | 0.43 | ||
| P/FCF | 7.83 | ||
| P/OCF | 5.28 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.9 |
EPS(TTM)1.59
EY8.48%
EPS(NY)3.41
Fwd EY18.19%
FCF(TTM)2.39
FCFY12.76%
OCF(TTM)3.55
OCFY18.94%
SpS43.57
BVpS-2.63
TBVpS-7.67
PEG (NY)0.25
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.65 |
F-Score6
WACC7.63%
ROIC/WACC2.12
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 Y46.97%
EPS Next 2Y43.76%
EPS Next 3Y35.23%
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 2Y12.96%
Revenue Next 3Y10.45%
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%