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CPI Card Group Inc. PMTS R2K

Financial Services · Credit Services · United States
https://www.cpicardgroup.com

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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$16.97
-23.76% 1Y

Market & Price

Market Cap
$194.74M
Current Price
$16.97
High / Low (52W)
$25.11 / $11.29
Beta
1.09

Valuation

Stock P/E
16.64
Industry PE
12.01
Forward P/E
5.00
PEG Ratio
0.57
Book Value
$-1.22
Price to Book
-13.90
P/S
0.34
EV/EBITDA
6.71
Dividend Yield
-

Profitability & Returns

ROCE
17.19%
ROE
-
ROA
8.76%
Profit Margin
2.15%
Op Margin
7.47%
EPS (Latest Qtr)
$0.17
EPS (TTM)
$1.02

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
1.45
Current Ratio
2.54
Debt
$336.47M
Total Assets
$403.19M
Current Assets
$204.94M
Working Capital
$120.85M

Ownership

Promoter Holding
4.44%
Chg in Prom Hold
-
FII / Inst Holding
73.83%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$511.92M
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%

Growth (CAGR)

Revenue 5Y
4.54%
Profit 5Y
-25.76%
Revenue (YoY)
19.80%
Earnings (YoY)
-57.50%

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

Robinhood TradingView StockAnalysis

Fundamental Growth

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).

#NameCMP $P/E Mkt CapDiv 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%
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Quarterly Results

Figures in USD.

Metric Sep 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 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----------54.86M61.45M70.99M-66.87M66.90M71.68M-73.97M71.38M82.70M-89.09M93.22M99.60M111.42M113.31M124.58M120.85M114.96M105.86M111.94M118.82M--122.76M129.75M137.97M153.05M147.11M
Cost of Revenue -----------------------------------82.06M89.63M96.97M104.77M102.98M
Gross Profit 43.05M31.43M29.69M22.71M29.06M20.44M14.65M16.67M19.44M17.45M14.43M19.88M23.31M20.98M21.46M22.32M25.36M21.94M25.65M23.09M30.61M30.96M35.72M37.09M37.69M39.28M40.55M48.44M43.09M40.83M36.15M41.52M42.39M--40.70M40.12M40.99M48.29M44.12M
Operating Expenses -----------------------------------26.59M30.70M27.98M29.99M33.13M
Operating Income 26.38M-13.66M4.53M11.70M--1.81M721.00K3.37M--2.36M2.65M4.69M-3.57M10.10M7.74M-7.50M4.97M13.48M-17.77M15.79M16.70M17.98M15.05M23.45M20.60M17.49M12.96M14.14M14.91M--14.10M9.42M13.02M18.30M10.99M
EBITDA -----------------------------------18.35M14.94M18.60M25.40M17.40M
Interest Expense ---------------------------------13.46M---8.75M--
Pretax Income -----------------------------------6.44M1.34M3.74M10.22M3.37M
Tax Provision -----------------------------------1.66M823.00K1.44M2.73M1.16M
Net Income 14.76M-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-2.41M6.23M6.63M6.00M6.15M11.91M10.87M6.52M3.86M5.46M6.00M--4.77M518.00K2.31M7.35M2.06M
Diluted EPS 0.19-0.10-0.01---0.40----0.65----0.270.14-0.06-0.210.110.52-0.210.530.560.510.521.010.910.550.330.460.51--0.400.040.190.620.17

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -----255.81M278.07M312.19M-475.75M444.55M480.60M543.53M
Cost of Revenue ---------299.98M289.06M309.38M373.44M
Gross Profit 59.50M81.73M135.82M101.90M68.20M78.59M91.07M110.31M-175.77M155.49M171.22M170.10M
Operating Expenses ---------96.64M93.90M108.43M115.25M
Operating Income 26.15M34.47M67.72M28.98M-19.30M4.59M24.71M38.39M-79.13M61.59M62.79M54.84M
EBITDA ---------93.65M77.52M79.21M77.30M
Interest Expense --------30.61M29.62M26.91M--
Pretax Income ---------49.15M34.46M25.03M21.74M
Tax Provision ---------12.61M10.48M5.51M6.66M
Net Income 8.59M13.30M30.86M5.40M-22.01M-37.46M-5.12M16.13M-36.54M23.98M19.52M14.95M
Diluted EPS -------0.461.44-3.112.011.641.25

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 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --266.01M280.35M264.42M234.00M207.20M213.01M266.15M-296.67M293.68M349.66M403.19M
Current Assets ----------167.57M165.38M203.04M204.94M
Cash & Equivalents 7.39M9.70M12.94M13.61M36.95M23.20M20.29M18.68M57.60M-11.04M12.41M33.54M21.70M
Inventory ----------68.40M70.59M72.66M72.24M
Receivables ----------68.89M69.25M78.46M95.90M
Total Liabilities --229.45M366.96M359.69M353.58M356.78M367.31M404.19M-378.74M345.62M385.28M420.52M
Current Liabilities --36.59M42.02M35.28M35.04M41.28M41.69M56.93M-68.01M49.45M75.59M84.10M
Long Term Debt --172.48M300.00M301.92M303.87M305.82M307.78M328.68M-285.52M265.00M280.40M286.67M
Total Debt ----------291.22M272.31M289.47M299.12M
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 ----------11.39M11.45M11.24M11.46M

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----31.34M34.04M43.31M59.50M
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 -12.11M48.53M-29.40M-21.92M-7.88M-519.00K-1.93M23.98M--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 14.38M9.67M25.25M45.66M-4.84M----13.47M27.64M34.06M41.33M
Net Change in Cash ----------9.60M1.38M21.13M-11.84M
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 % -----30.7%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

Insiders
4.44%
Institutions
73.83%
Public Float
77.26%

Top Institutional Holders

#Holder% HeldSharesValue
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

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