CPI Card Group Inc. PMTS R2K
CPI Card Group Inc., together with its subsidiaries, provides physical and digital payment solutions for financial institutions, processors, fintechs, prepaid program managers, and other organizations in the United States. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces secure debit and credit cards, such as contact, contactless, eco-focused, and magnetic stripe cards; and provides card services, including digital services. This segment also provides personalization services, which include instant issuance solutions that provide customers with the ability to issue an instant personalized debit or credit card on-demand; and other payment solutions, such as digital push provisioning for mobile wallets. The Prepaid Debit segment primarily provides integrated card services comprising tamper-evident security packaging services. It also produces payment cards issued on the networks of the payment card brands. The company offers card data personalization and fulfillment services, SaaS -based instant card issuance and other digital solutions, an integrated end-to-end on-demand payment card solution, and Card@Once, a proprietary and patented SaaS -based instant card issuance system. It serves issuers of debit and credit cards, prepaid program managers, financial institution platform providers and card processor organizations, fintechs, small to mid-sized financial institutions, healthcare providers, entertainment venues, government disbursements, transit services, and others through sales representatives, customer relationships, and partners. The company was formerly known as CPI Holdings I, Inc. and changed its name to CPI Card Group Inc. in August 2015. CPI Card Group Inc. was incorporated in 2007 and is headquartered in Littleton, Colorado.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -25.8% CAGR over 5 years.
- Trading 32.4% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PMTS CPI Card Group Inc. R2K | 16.97 | 16.64 | $194.74M | - | 17.19% | - | 4.54% | -25.76% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 54.86M | 61.45M | 70.99M | - | 66.87M | 66.90M | 71.68M | - | 73.97M | 71.38M | 82.70M | - | 89.09M | 93.22M | 99.60M | 111.42M | 113.31M | 124.58M | 120.85M | 114.96M | 105.86M | 111.94M | 118.82M | - | - | 122.76M | 129.75M | 137.97M | 153.05M | 147.11M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 82.06M | 89.63M | 96.97M | 104.77M | 102.98M |
| Gross Profit | 43.05M | 31.43M | 29.69M | 22.71M | 29.06M | 20.44M | 14.65M | 16.67M | 19.44M | 17.45M | 14.43M | 19.88M | 23.31M | 20.98M | 21.46M | 22.32M | 25.36M | 21.94M | 25.65M | 23.09M | 30.61M | 30.96M | 35.72M | 37.09M | 37.69M | 39.28M | 40.55M | 48.44M | 43.09M | 40.83M | 36.15M | 41.52M | 42.39M | - | - | 40.70M | 40.12M | 40.99M | 48.29M | 44.12M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 26.59M | 30.70M | 27.98M | 29.99M | 33.13M |
| Operating Income | 26.38M | - | 13.66M | 4.53M | 11.70M | - | -1.81M | 721.00K | 3.37M | - | -2.36M | 2.65M | 4.69M | - | 3.57M | 10.10M | 7.74M | - | 7.50M | 4.97M | 13.48M | - | 17.77M | 15.79M | 16.70M | 17.98M | 15.05M | 23.45M | 20.60M | 17.49M | 12.96M | 14.14M | 14.91M | - | - | 14.10M | 9.42M | 13.02M | 18.30M | 10.99M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 18.35M | 14.94M | 18.60M | 25.40M | 17.40M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.46M | - | - | - | 8.75M | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.44M | 1.34M | 3.74M | 10.22M | 3.37M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.66M | 823.00K | 1.44M | 2.73M | 1.16M |
| Net Income | 14.76M | -2.29M | 5.71M | -328.00K | 4.03M | -4.01M | -4.51M | -2.16M | -735.00K | -14.61M | -7.29M | -16.71M | -6.12M | - | -3.06M | 1.52M | -657.00K | - | 1.76M | 1.28M | 5.81M | - | 2.41M | 6.23M | 6.63M | 6.00M | 6.15M | 11.91M | 10.87M | 6.52M | 3.86M | 5.46M | 6.00M | - | - | 4.77M | 518.00K | 2.31M | 7.35M | 2.06M |
| Diluted EPS | 0.19 | - | 0.10 | -0.01 | - | - | -0.40 | - | - | - | -0.65 | - | - | - | -0.27 | 0.14 | -0.06 | - | 0.21 | 0.11 | 0.52 | - | 0.21 | 0.53 | 0.56 | 0.51 | 0.52 | 1.01 | 0.91 | 0.55 | 0.33 | 0.46 | 0.51 | - | - | 0.40 | 0.04 | 0.19 | 0.62 | 0.17 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | 255.81M | 278.07M | 312.19M | - | 475.75M | 444.55M | 480.60M | 543.53M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | 299.98M | 289.06M | 309.38M | 373.44M |
| Gross Profit | 59.50M | 81.73M | 135.82M | 101.90M | 68.20M | 78.59M | 91.07M | 110.31M | - | 175.77M | 155.49M | 171.22M | 170.10M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | 96.64M | 93.90M | 108.43M | 115.25M |
| Operating Income | 26.15M | 34.47M | 67.72M | 28.98M | -19.30M | 4.59M | 24.71M | 38.39M | - | 79.13M | 61.59M | 62.79M | 54.84M |
| EBITDA | - | - | - | - | - | - | - | - | - | 93.65M | 77.52M | 79.21M | 77.30M |
| Interest Expense | - | - | - | - | - | - | - | - | 30.61M | 29.62M | 26.91M | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | 49.15M | 34.46M | 25.03M | 21.74M |
| Tax Provision | - | - | - | - | - | - | - | - | - | 12.61M | 10.48M | 5.51M | 6.66M |
| Net Income | 8.59M | 13.30M | 30.86M | 5.40M | -22.01M | -37.46M | -5.12M | 16.13M | - | 36.54M | 23.98M | 19.52M | 14.95M |
| Diluted EPS | - | - | - | - | - | - | -0.46 | 1.44 | - | 3.11 | 2.01 | 1.64 | 1.25 |
Compounded Sales Growth
| 5 Years: | 4.54% |
| 1 Year: | 19.80% |
Compounded Profit Growth
| 5 Years: | -25.76% |
| 1 Year: | -57.50% |
Stock Price Performance
| 1 Year: | -23.76% |
| 6 Months: | +28.85% |
| 3 Months: | +38.36% |
| 1 Month: | +0.18% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 266.01M | 280.35M | 264.42M | 234.00M | 207.20M | 213.01M | 266.15M | - | 296.67M | 293.68M | 349.66M | 403.19M |
| Current Assets | - | - | - | - | - | - | - | - | - | - | 167.57M | 165.38M | 203.04M | 204.94M |
| Cash & Equivalents | 7.39M | 9.70M | 12.94M | 13.61M | 36.95M | 23.20M | 20.29M | 18.68M | 57.60M | - | 11.04M | 12.41M | 33.54M | 21.70M |
| Inventory | - | - | - | - | - | - | - | - | - | - | 68.40M | 70.59M | 72.66M | 72.24M |
| Receivables | - | - | - | - | - | - | - | - | - | - | 68.89M | 69.25M | 78.46M | 95.90M |
| Total Liabilities | - | - | 229.45M | 366.96M | 359.69M | 353.58M | 356.78M | 367.31M | 404.19M | - | 378.74M | 345.62M | 385.28M | 420.52M |
| Current Liabilities | - | - | 36.59M | 42.02M | 35.28M | 35.04M | 41.28M | 41.69M | 56.93M | - | 68.01M | 49.45M | 75.59M | 84.10M |
| Long Term Debt | - | - | 172.48M | 300.00M | 301.92M | 303.87M | 305.82M | 307.78M | 328.68M | - | 285.52M | 265.00M | 280.40M | 286.67M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | 291.22M | 272.31M | 289.47M | 299.12M |
| Total Equity | -45.23M | -36.90M | -21.69M | -86.61M | -95.27M | -119.57M | -150.77M | -154.30M | -138.04M | - | -82.08M | -51.94M | -35.62M | -17.33M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | 11.39M | 11.45M | 11.24M | 11.46M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 23.62M | 26.63M | 43.92M | 59.96M | 2.43M | - | - | - | - | 31.34M | 34.04M | 43.31M | 59.50M |
| Investing Cash Flow | -9.24M | -71.81M | -13.67M | -14.29M | -8.79M | - | -2.57M | -7.09M | - | -17.77M | -6.22M | -9.22M | -65.13M |
| Financing Cash Flow | -12.11M | 48.53M | -29.40M | -21.92M | -7.88M | -519.00K | -1.93M | 23.98M | - | -23.16M | -26.44M | -12.96M | -6.22M |
| Capital Expenditure | -9.24M | -16.96M | -18.67M | -14.29M | -7.26M | -5.63M | -4.17M | -7.09M | - | -17.87M | -6.41M | -9.26M | -18.18M |
| Free Cash Flow | 14.38M | 9.67M | 25.25M | 45.66M | -4.84M | - | - | - | - | 13.47M | 27.64M | 34.06M | 41.33M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | -9.60M | 1.38M | 21.13M | -11.84M |
| Share Buybacks | - | - | - | 6.01M | - | - | - | - | - | - | 250.00K | 8.68M | - |
| Dividends Paid | - | - | 230.31M | - | - | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | 30.7% | 32.8% | 35.3% | - | 36.9% | 35.0% | 35.6% | 31.3% |
| Operating Margin % | - | - | - | - | - | 1.8% | 8.9% | 12.3% | - | 16.6% | 13.9% | 13.1% | 10.1% |
| Net Margin % | - | - | - | - | - | -14.6% | -1.8% | 5.2% | - | 7.7% | 5.4% | 4.1% | 2.8% |
| ROE % | -23.3% | -61.3% | -35.6% | -5.7% | 18.4% | 24.8% | 3.3% | -11.7% | - | -44.5% | -46.2% | -54.8% | -86.3% |
| ROCE % | - | 15.0% | 28.4% | 12.6% | -9.7% | 2.8% | 14.4% | 18.3% | - | 34.6% | 25.2% | 22.9% | 17.2% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Pacific Ridge Capital Partners, LLC | 4.15% | 466.04K | $7.91M |
| 2 | Blackrock Inc. | 3.84% | 431.44K | $7.32M |
| 3 | Vanguard Capital Management LLC | 2.32% | 260.26K | $4.42M |
| 4 | Vanguard Portfolio Management LLC | 2.00% | 224.89K | $3.82M |
| 5 | Geode Capital Management, LLC | 1.48% | 166.50K | $2.83M |
| 6 | UBS Group AG | 1.14% | 128.28K | $2.18M |
| 7 | Pembroke Management, LTD | 0.89% | 99.57K | $1.69M |
| 8 | LSV Asset Management | 0.82% | 92.10K | $1.56M |
| 9 | State Street Corporation | 0.68% | 76.57K | $1.30M |
| 10 | Northern Trust Corporation | 0.65% | 72.67K | $1.23M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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