Overview Dividends

(PMTS) CPI Card - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US12634H2004

Debit Cards, Credit Cards, Prepaid Cards

PMTS EPS (Earnings per Share)

EPS Growth (3Y CAGR): -43.58%
EPS Trend (3Y Correlation): -66.9%

PMTS Revenue

Revenue Growth (3Y CAGR): 1.37%
Revenue Trend (3Y Correlation): 21.8%

Description: PMTS CPI Card

CPI Card Group Inc. is a leading provider of payment card solutions in the United States, operating through three main segments: Debit and Credit, and Prepaid Debit. The company designs, produces, and personalizes various types of payment cards, including contactless, eco-focused, and magnetic stripe cards, and offers card services such as digital push provisioning and instant issuance solutions.

The companys diverse customer base includes issuers of debit and credit cards, prepaid program managers, financial institutions, fintechs, and government agencies. CPI Card Groups product offerings cater to various industries, including healthcare, entertainment, and transit services. With its headquarters in Littleton, Colorado, the company has established itself as a significant player in the payment card industry.

From a performance perspective, key metrics to consider include revenue growth, gross margin, and operating expenses as a percentage of revenue. Analyzing these KPIs can provide insights into the companys ability to scale its business while maintaining profitability. Additionally, metrics such as customer acquisition costs, customer retention rates, and average revenue per user (ARPU) can help assess the companys sales and marketing effectiveness.

To further evaluate CPI Card Groups prospects, its essential to examine industry trends, such as the shift towards digital payments, contactless transactions, and the growing demand for secure payment solutions. The companys competitive positioning, including its market share and pricing power, should also be assessed. By analyzing these factors, investors can gain a deeper understanding of CPI Card Groups potential for long-term growth and profitability.

PMTS Stock Overview

Market Cap in USD	155m
Sub-Industry	Technology Hardware, Storage & Peripherals
IPO / Inception	2015-10-09

PMTS Stock Ratings

Growth Rating	36.4
Fundamental	62.7%
Dividend Rating	1.53
Rel. Strength	-51.8
Analysts	5.00 of 5
Fair Price Momentum	15.36 USD
Fair Price DCF	17.14 USD

PMTS Dividends

Currently no dividends paid

PMTS Growth Ratios

Growth Correlation 3m	-49.3%
Growth Correlation 12m	-48.6%
Growth Correlation 5y	56.4%
CAGR 5y	46.88%
CAGR/Max DD 5y	0.65
Sharpe Ratio 12m	-0.16
Alpha	-73.23
Beta	1.999
Volatility	118.34%
Current Volume	82.1k
Average Volume 20d	30.3k
Stop Loss	14.5 (-7.1%)
Signal	0.52

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (15.0m TTM) > 0 and > 6% of Revenue (6% = 30.1m TTM)

FCFTA 0.10 (>2.0%) and ΔFCFTA 1.85pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 24.94% (prev 25.21%; Δ -0.27pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.12 (>3.0%) and CFO 49.1m > Net Income 15.0m (YES >=105%, WARN >=100%)

Net Debt (293.8m) to EBITDA (71.8m) ratio: 4.09 <= 3.0 (WARN <= 3.5)

Current Ratio 2.59 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (11.9m) change vs 12m ago 1.28% (target <= -2.0% for YES)

Gross Margin 33.47% (prev 34.48%; Δ -1.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 139.3% (prev 136.7%; Δ 2.58pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.46 (EBITDA TTM 71.8m / Interest Expense TTM 36.9m) >= 6 (WARN >= 3)

Altman Z'' 3.85

(A) 0.31 = (Total Current Assets 204.3m - Total Current Liabilities 79.0m) / Total Assets 399.8m

(B) 0.19 = Retained Earnings (Balance) 75.1m / Total Assets 399.8m

(D) 0.18 = Book Value of Equity 75.1m / Total Liabilities 428.8m

Total Rating: 3.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 62.73

1. Piotroski 4.50pt = -0.50

2. FCF Yield 8.43% = 4.22

3. FCF Margin 7.73% = 1.93

4. Debt/Equity data missing

5. Debt/Ebitda 4.49 = -2.50

6. ROIC - WACC 10.85% = 12.50

7. RoE data missing

8. Rev. Trend 21.75% = 1.09

9. Rev. CAGR 1.37% = 0.17

10. EPS Trend -66.88% = -1.67

11. EPS CAGR -43.58% = -2.50

What is the price of PMTS shares?

As of August 17, 2025, the stock is trading at USD 15.61 with a total of 82,098 shares traded.
Over the past week, the price has changed by +17.81%, over one month by -27.80%, over three months by -32.92% and over the past year by -41.86%.

Is CPI Card a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, CPI Card is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 62.73 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PMTS is around 15.36 USD . This means that PMTS is currently overvalued and has a potential downside of -1.6%.

Is PMTS a buy, sell or hold?

CPI Card has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy PMTS.

Strong Buy: 4
Buy: 0
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the PMTS price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	34	117.8%
Analysts Target Price	36.8	135.4%
ValueRay Target Price	16.7	6.9%

Last update: 2025-08-13 02:50

PMTS Fundamental Data Overview

Market Cap USD = 155.0m (155.0m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 17.1m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.3784
P/E Forward = 4.6533
P/S = 0.3086
P/EG = -8.08
Beta = 1.301
Revenue TTM = 502.4m USD
EBIT TTM = 53.7m USD
EBITDA TTM = 71.8m USD
Long Term Debt = 310.9m USD (from longTermDebt, last quarter)
Short Term Debt = 11.6m USD (from shortTermDebt, last quarter)
Debt = 322.5m USD (Calculated: Short Term 11.6m + Long Term 310.9m)
Net Debt = 293.8m USD (from netDebt column, last quarter)
Enterprise Value = 460.4m USD (155.0m + Debt 322.5m - CCE 17.1m)
Interest Coverage Ratio = 1.46 (Ebit TTM 53.7m / Interest Expense TTM 36.9m)
FCF Yield = 8.43% (FCF TTM 38.8m / Enterprise Value 460.4m)
FCF Margin = 7.73% (FCF TTM 38.8m / Revenue TTM 502.4m)
Net Margin = 2.99% (Net Income TTM 15.0m / Revenue TTM 502.4m)
Gross Margin = 33.47% ((Revenue TTM 502.4m - Cost of Revenue TTM 334.2m) / Revenue TTM)
Tobins Q-Ratio = 6.13 (Enterprise Value 460.4m / Book Value Of Equity 75.1m)
Interest Expense / Debt = 2.50% (Interest Expense 8.07m / Debt 322.5m)
Taxrate = 22.00% (from yearly Income Tax Expense: 5.51m / 25.0m)
NOPAT = 41.9m (EBIT 53.7m * (1 - 22.00%))
Current Ratio = 2.59 (Total Current Assets 204.3m / Total Current Liabilities 79.0m)
Debt / EBITDA = 4.49 (Net Debt 293.8m / EBITDA 71.8m)
Debt / FCF = 8.31 (Debt 322.5m / FCF TTM 38.8m)
Total Stockholder Equity = -34.3m (last 4 quarters mean)
RoA = 3.75% (Net Income 15.0m, Total Assets 399.8m )
RoE = unknown (Net Income TTM 15.0m / Total Stockholder Equity -34.3m)
RoCE = 19.42% (Ebit 53.7m / (Equity -34.3m + L.T.Debt 310.9m))
RoIC = 16.51% (NOPAT 41.9m / Invested Capital 253.7m)
WACC = 5.66% (E(155.0m)/V(477.5m) * Re(13.38%)) + (D(322.5m)/V(477.5m) * Rd(2.50%) * (1-Tc(0.22)))
Shares Correlation 5-Years: 90.0 | Cagr: 0.25%
Discount Rate = 13.38% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 57.13% ; FCFE base≈33.4m ; Y1≈28.0m ; Y5≈20.9m
Fair Price DCF = 17.14 (DCF Value 193.3m / Shares Outstanding 11.3m; 5y FCF grow -19.58% → 3.0% )
Revenue Correlation: 21.75 | Revenue CAGR: 1.37%
Revenue Growth Correlation: 80.88%
EPS Correlation: -66.88 | EPS CAGR: -43.58%
EPS Growth Correlation: 34.34%

Additional Sources for PMTS Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle