PMTS Stock Analysis: CPI Card | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 298m USD | 12M Return: 65.3% | US12634H2004 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.40M
EPS Trend: 38.6%
Qual. Beats: 0
Rev. Trend: 92.4%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
Seasonality 11 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CPI Card Group provides physical and digital payment solutions to U.S. financial institutions, payment processors, fintechs, prepaid program managers, and other card issuers. Its operations are divided into Debit and Credit and Prepaid Debit segments.
The company combines payment-card production, personalization, fulfillment, and security packaging with digital services. Its offerings include contactless and magnetic-stripe cards, instant card issuance, mobile-wallet push provisioning, and Card@Once, a proprietary SaaS-based instant issuance system.
Customers include debit and credit card issuers, small and mid-sized financial institutions, government agencies, healthcare providers, transit operators, and entertainment venues. CPI Card Group is classified as a small-cap U.S. Information Technology company.
- Card@Once instant issuance drives recurring digital revenue
- Prepaid debit volumes rise with government and healthcare demand
- Mobile wallet adoption pressures traditional card shipment volumes
| Net Income: 13.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.20 > 0.02 and ΔFCF/TA 11.23 > 1.0 |
| NWC/Revenue: 16.69% < 20% (prev 24.94%; Δ -8.26% < -1%) |
| CFO/TA 0.23 > 3% & CFO 91.7m > Net Income 13.8m |
| Net Debt (266.8m) to EBITDA (79.6m): 3.35 < 3 |
| Current Ratio: 2.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (12.0m) vs 12m ago 0.25% < -2% |
| Gross Margin: 30.97% > 18% (prev 33.47%; Δ -2.50% > 0.5%) |
| Asset Turnover: 148.6% > 50% (prev 125.7%; Δ 22.99% > 0%) |
| Interest Coverage Ratio: 1.70 > 6 (EBIT TTM 54.2m / Interest Expense TTM 31.8m) |
| A: 0.25 (Total Current Assets 188.2m - Total Current Liabilities 90.1m) / Total Assets 390.4m |
| B: 0.23 (Retained Earnings 88.8m / Total Assets 390.4m) |
| C: 0.14 (EBIT TTM 54.2m / Avg Total Assets 395.1m) |
| D: -0.03 (Book Value of Equity -11.5m / Total Liabilities 401.9m) |
| Altman-Z'' = 3.28 = A |
| DSRI: 0.86 (Receivables 88.4m/87.5m, Revenue 587.3m/502.4m) |
| GMI: 1.08 (GM 33.47% / 30.97%) |
| AQI: 0.79 (AQ_t 0.18 / AQ_t-1 0.23) |
| SGI: 1.17 (Revenue 587.3m / 502.4m) |
| TATA: -0.20 (NI 13.8m - CFO 91.7m) / TA 390.4m) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of October 20, 2026, the stock is trading at USD 25.89 with a total of 187,487 shares traded. Over the past week, the price has changed by +1.53%, over one month by +5.03%, over three months by +34.15% and over the past year by +65.33%.
Current recommended Stop Loss: 24.80 (which is 4.2% or 1.3 ATR below the current price).
CPI Card has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy PMTS.
- StrongBuy: 4
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 32.5 | 25.5% |
P/E Trailing = 22.5439
P/E Forward = 7.1327
P/S = 0.5073
P/EG = 0.5683
Revenue TTM = 587.3m USD
EBIT TTM = 54.2m USD
EBITDA TTM = 79.6m USD
Long Term Debt = 262.1m USD (from longTermDebt, last quarter)
Short Term Debt = 13.0m USD (from shortTermDebt, last quarter)
Debt = 288.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 13.0m
Net Debt = 266.8m USD (calculated: Debt 288.2m - CCE 21.4m)
Enterprise Value = 564.8m USD (297.9m + Debt 288.2m - CCE 21.4m)
Interest Coverage Ratio = 1.70 (Ebit TTM 54.2m / Interest Expense TTM 31.8m)
EV/FCF = 7.38x (Enterprise Value 564.8m / FCF TTM 76.6m)
FCF Yield = 13.56% (FCF TTM 76.6m / Enterprise Value 564.8m)
FCF Margin = 13.03% (FCF TTM 76.6m / Revenue TTM 587.3m)
Net Margin = 2.34% (Net Income TTM 13.8m / Revenue TTM 587.3m)
Gross Margin = 30.97% ((Revenue TTM 587.3m - Cost of Revenue TTM 405.4m) / Revenue TTM)
Gross Margin QoQ = 32.50% (prev 29.99%)
Tobins Q-Ratio = 1.45 (Enterprise Value 564.8m / Total Assets 390.4m)
Interest Expense / Debt = 11.02% (Interest Expense 31.8m / Debt 288.2m)
Taxrate = 34.53% (7.46m / 21.6m)
NOPAT = 35.5m (EBIT 54.2m * (1 - 34.53%))
Current Ratio = 2.09 (Total Current Assets 188.2m / Total Current Liabilities 90.1m)
Debt / Equity = -25.12 (negative equity) (Debt 288.2m / totalStockholderEquity, last quarter -11.5m)
Debt / EBITDA = 3.35 (Net Debt 266.8m / EBITDA 79.6m)
Debt / FCF = 3.49 (Net Debt 266.8m / FCF TTM 76.6m)
Total Stockholder Equity = -17.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.48% (Net Income 13.8m / Total Assets 390.4m)
RoE = -80.34% (negative equity) (Net Income TTM 13.8m / Total Stockholder Equity -17.1m)
RoCE = 22.11% (EBIT 54.2m / Capital Employed (Equity -17.1m + L.T.Debt 262.1m))
RoIC = 12.15% (NOPAT 35.5m / Invested Capital 291.9m)
WACC = 8.45% (E(297.9m)/V(586.1m) * Re(9.65%) + D(288.2m)/V(586.1m) * Rd(11.02%) * (1-Tc(0.35)))
Discount Rate = 9.65% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 41.37 | Cagr: 0.71%
[DCF] Terminal Value 77.63% ; FCFF base≈59.3m ; Y1≈68.0m ; Y5≈100.1m
[DCF] Fair Price = 104.6 (EV 1.48b - Net Debt 266.8m = Equity 1.21b / Shares 11.6m; r=8.45% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 38.60 | EPS CAGR: 9.68% | SUE: 0.27 | # QB: 0
Revenue Correlation: 92.44 | Revenue CAGR: 10.82% | SUE: 0.97 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.83 | Chg30d=+7.10% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=2.98 | Chg30d=+9.16% | Revisions=+40% | GrowthEPS=+54.6% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=3.49 | Chg30d=+2.80% | Revisions=+25% | GrowthEPS=+17.1% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: +57% (up=4, down=0)