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CPI Card Group Inc. PMTS R2K

Financial Services · Credit Services · United States
https://www.cpicardgroup.com
Company Profile ↓
$18.81
-14.46% 1Y
Mkt Cap$215.86M
P/E19.00
P/B-16.02
52W High$21.99
52W Low$11.29
Book Value$-1.22
EPS (TTM)$0.99

Company Overview

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.

Why Investors Should Care

Healthy Capital Returns

Return on capital employed stands at 17.2%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $543.53M (+13.1% YoY); net profit $14.95M.
  • Trailing 12 Months Year-on-year growth — revenue +19.8%, earnings -57.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 8.8%, profit CAGR 4.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:8.85%
1 Year:19.80%

Compounded Profit Growth

5 Years:4.73%
1 Year:-57.50%

Stock Price Performance

1 Year:-14.46%
6 Months:+37.80%
3 Months:+8.23%
1 Month:-1.26%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 70% of range
$11.29 $21.99
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)48.92 · Neutral
Price Performance
1M-1.26%
3M+8.23%
6M+37.80%
1Y-14.46%
Valuation vs Sector

P/E of 19.00 is above the sector median of 13.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
19.00
Industry PE
13.52
Forward P/E
5.54
PEG Ratio
0.57
Book Value
$-1.22
Price to Book
-16.02
P/S
0.40
EV/EBITDA
6.97
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
8.85%
Profit 5Y
4.73%
Revenue (YoY)
19.80%
Earnings (YoY)
-57.50%

Profitability & Returns

ROCE
17.19%
ROE
-86.25%
ROA
8.76%
Profit Margin
2.15%
Op Margin
7.47%
Gross Margin
30.56%
EPS (Latest Qtr)
$0.17
EPS (TTM)
$0.99

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
1.45
Current Ratio
2.54
Debt
$336.47M
Total Assets
$386.45M
Current Assets
$188.89M
Working Capital
$114.56M

Ownership

Promoter Holding
4.63%
Chg in Prom Hold
0.02%
FII / Inst Holding
73.91%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$215.86M
Total Revenue (TTM)
$567.88M
EBITDA
$76.35M
Free Cash Flow
$25.78M
Operating Cash Flow
$67.56M
Shares Outstanding
11.48M
Gross Margin
30.56%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PMTS CPI Card Group Inc. R2K 18.81 19.00 $215.86M 0.00% 17.19% -86.25% 8.85% 4.73%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ------------54.86M61.45M70.99M-66.87M66.90M71.68M-73.97M71.38M82.70M-89.09M93.22M99.60M111.42M113.31M124.58M120.85M114.96M105.86M111.94M118.82M124.75M122.76M129.75M137.97M147.11M
Gross Profit 25.51M35.84M43.05M31.43M29.69M22.71M29.06M20.44M14.65M16.67M19.44M17.45M14.43M19.88M23.31M20.98M21.46M22.32M25.36M21.94M25.65M23.09M30.61M30.96M35.72M37.09M37.69M39.28M40.55M48.44M43.09M40.83M36.15M41.52M42.39M44.70M40.70M40.12M40.99M44.12M
Operating Income 11.70M19.69M26.38M-13.66M4.53M11.70M--1.81M721.00K3.37M--2.36M2.65M4.69M-3.57M10.10M7.74M-7.50M4.97M13.48M-17.77M15.79M16.70M17.98M15.05M23.45M20.60M17.49M12.96M14.14M14.91M17.80M14.10M9.42M13.02M10.99M
Net Income 6.24M12.15M14.76M-2.29M5.71M-328.00K4.03M-4.01M-4.51M-2.16M-735.00K-14.61M-7.29M-16.71M-6.12M--3.06M1.52M-657.00K-1.76M1.28M5.81M-2.41M6.23M6.63M6.00M6.15M11.91M10.87M6.52M3.86M5.46M6.00M1.29M4.77M518.00K2.31M2.06M
Diluted EPS -0.15-0.020.19-0.10-0.01---0.40----0.65----0.270.14-0.06-0.210.110.52-0.210.530.560.510.521.010.910.550.330.460.510.110.400.040.190.17

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 196.37M261.01M374.11M308.70M223.74M255.81M278.07M312.19M375.12M475.75M444.55M480.60M543.53M
Gross Profit 59.50M81.73M135.82M101.90M68.20M78.59M91.07M110.31M141.43M175.77M155.49M171.22M170.10M
Operating Income 26.15M34.47M67.72M28.98M-19.30M4.59M24.71M38.39M59.46M79.13M61.59M62.79M54.84M
Net Income 8.59M13.30M30.86M5.40M-22.01M-37.46M-5.12M16.13M15.94M36.54M23.98M19.52M14.95M
Diluted EPS -------0.461.441.363.112.011.641.25

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --266.01M280.35M264.42M234.00M207.20M213.01M266.15M268.14M296.67M293.68M349.66M403.19M
Total Equity -45.23M-36.90M-21.69M-86.61M-95.27M-119.57M-150.77M-154.30M-138.04M-121.02M-82.08M-51.94M-35.62M-17.33M
Cash & Equivalents 7.39M9.70M12.94M13.61M36.95M23.20M20.29M18.68M57.60M20.68M11.04M12.41M33.54M21.70M
Long Term Debt --172.48M300.00M301.92M303.87M305.82M307.78M328.68M303.63M285.52M265.00M280.40M286.67M
Total Liabilities --229.45M366.96M359.69M353.58M356.78M367.31M404.19M389.16M378.74M345.62M385.28M420.52M
Current Liabilities --36.59M42.02M35.28M35.04M41.28M41.69M56.93M64.78M68.01M49.45M75.59M84.10M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 23.62M26.63M43.92M59.96M2.43M---20.23M31.34M34.04M43.31M59.50M
Investing Cash Flow -9.24M-71.81M-13.67M-14.29M-8.79M--2.57M-7.09M-9.92M-17.77M-6.22M-9.22M-65.13M
Financing Cash Flow -12.11M48.53M-29.40M-21.92M-7.88M-519.00K-1.93M23.98M-47.23M-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-10.07M-17.87M-6.41M-9.26M-18.18M
Free Cash Flow 14.38M9.67M25.25M45.66M-4.84M---10.15M13.47M27.64M34.06M41.33M
Share Buybacks ---6.01M------250.00K8.68M-
Dividends Paid --230.31M----------

Ratios (Annual)

Figures in %.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % 30.3%31.3%36.3%33.0%30.5%30.7%32.8%35.3%37.7%36.9%35.0%35.6%31.3%
Operating Margin % 13.3%13.2%18.1%9.4%-8.6%1.8%8.9%12.3%15.9%16.6%13.9%13.1%10.1%
Net Margin % 4.4%5.1%8.2%1.7%-9.8%-14.6%-1.8%5.2%4.2%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%-13.2%-44.5%-46.2%-54.8%-86.3%
ROCE % -15.0%28.4%12.6%-9.7%2.8%14.4%18.3%29.2%34.6%25.2%22.9%17.2%

Shareholding Pattern

Insiders
4.63%
Institutions
73.91%
Public Float
77.50%

Top Institutional Holders

#Holder% HeldSharesValue
1 Pacific Ridge Capital Partners, LLC 4.15% 466.04K $9.12M
2 Blackrock Inc. 3.84% 431.44K $8.44M
3 Vanguard Capital Management LLC 2.32% 260.26K $5.09M
4 Vanguard Portfolio Management LLC 2.00% 224.89K $4.40M
5 Geode Capital Management, LLC 1.48% 166.50K $3.26M
6 UBS Group AG 1.14% 128.28K $2.51M
7 Pembroke Management, LTD 0.89% 99.57K $1.95M
8 LSV Asset Management 0.82% 92.10K $1.80M
9 State Street Corporation 0.68% 76.57K $1.50M
10 Northern Trust Corporation 0.65% 72.67K $1.42M

Analyst View

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Latest News

Recent headlines for PMTS

Google News Fri, 26 Jun 2026

CPI Card Group (PMTS) Stock Sees Split Analyst Revisions After Mixed Price Target Changes - Yahoo Finance

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Google News Sun, 12 Jul 2026

(PMTS) Movement as an Input in Quant Signal Sets - Stock Traders Daily

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Google News Wed, 01 Jul 2026

CPI makes Terra Grantham permanent CFO after interim role - Stock Titan

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Google News hu, 05 Mar 2026

CPI Card Group: The Growth Story Still Stands - Seeking Alpha

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Google News Wed, 24 Jun 2026

CPI Expands Proprietary Technology Platform with Acquisition of TRISM Business - Business Wire

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Google News ue, 14 Jul 2026

Lake Street Initiates CPI Card Group(PMTS.US) With Buy Rating, Announces Target Price $27 - 富途牛牛

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PMTS — Frequently Asked Questions

What is the current share price of CPI Card Group Inc. (PMTS)?

As of 2026-07-15 16:51 PDT, CPI Card Group Inc. (PMTS) trades at $18.81 on NasdaqGM. Its 52-week range is $11.29 to $21.99.

What is the market capitalisation of PMTS?

CPI Card Group Inc. (PMTS) has a market capitalisation of $215.86M on NasdaqGM.

What is the P/E ratio of PMTS?

PMTS trades at a trailing price-to-earnings (P/E) ratio of 19.00. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is -16.02.

What is the return on equity (ROE) of PMTS?

PMTS has a return on equity (ROE) of -86.25%. Its return on capital employed (ROCE) is 17.19%.

Is PMTS a good stock to buy?

This page provides a data-driven analysis of CPI Card Group Inc. (PMTS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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