13.77 USD
-0.79 (-5.43%)
Taking everything into account, PMTS scores 6 out of 10 in our fundamental rating. PMTS was compared to 35 industry peers in the Technology Hardware, Storage & Peripherals industry. PMTS has an excellent profitability rating, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PMTS. These ratings could make PMTS a good candidate for value investing.
1. Profitability
1.1 Basic Checks
- PMTS had positive earnings in the past year.
- In the past year PMTS had a positive cash flow from operations.
- In the past 5 years PMTS has always been profitable.
- In the past 5 years PMTS always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 3.53%, PMTS is doing good in the industry, outperforming 74.29% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 11.93%, PMTS is in the better half of the industry, outperforming 77.14% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for PMTS is above the industry average of 16.06%.
- The 3 year average ROIC (20.36%) for PMTS is well above the current ROIC(11.93%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.53% | ||
| ROE | N/A | ||
| ROIC | 11.93% |
ROA(3y)8.68%
ROA(5y)7.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)20.36%
ROIC(5y)19.24%
1.3 Margins
- PMTS's Profit Margin of 2.79% is fine compared to the rest of the industry. PMTS outperforms 71.43% of its industry peers.
- PMTS's Profit Margin has been stable in the last couple of years.
- The Operating Margin of PMTS (10.18%) is better than 82.86% of its industry peers.
- PMTS's Operating Margin has improved in the last couple of years.
- PMTS has a Gross Margin (31.89%) which is in line with its industry peers.
- PMTS's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.18% | ||
| PM (TTM) | 2.79% | ||
| GM | 31.89% |
OM growth 3Y-6.21%
OM growth 5Y14.21%
PM growth 3Y-1.41%
PM growth 5YN/A
GM growth 3Y-1.87%
GM growth 5Y1.69%
2. Health
2.1 Basic Checks
- PMTS has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- The number of shares outstanding for PMTS has been reduced compared to 1 year ago.
- PMTS has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for PMTS has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.21 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of PMTS (2.21) is better than 62.86% of its industry peers.
- The Debt to FCF ratio of PMTS is 11.12, which is on the high side as it means it would take PMTS, 11.12 years of fcf income to pay off all of its debts.
- PMTS has a Debt to FCF ratio of 11.12. This is comparable to the rest of the industry: PMTS outperforms 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Altman-Z | 2.21 |
ROIC/WACC1.61
WACC7.42%
2.3 Liquidity
- A Current Ratio of 2.56 indicates that PMTS has no problem at all paying its short term obligations.
- The Current ratio of PMTS (2.56) is better than 74.29% of its industry peers.
- A Quick Ratio of 1.53 indicates that PMTS should not have too much problems paying its short term obligations.
- With a decent Quick ratio value of 1.53, PMTS is doing good in the industry, outperforming 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.56 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
- The earnings per share for PMTS have decreased by -8.40% in the last year.
- PMTS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.51% yearly.
- PMTS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.48%.
- The Revenue has been growing by 11.56% on average over the past years. This is quite good.
EPS 1Y (TTM)-8.4%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%72.73%
Revenue 1Y (TTM)12.48%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%10.59%
3.2 Future
- PMTS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.21% yearly.
- The Revenue is expected to grow by 9.25% on average over the next years. This is quite good.
EPS Next Y-26.59%
EPS Next 2Y19.82%
EPS Next 3Y27.21%
EPS Next 5YN/A
Revenue Next Year12.54%
Revenue Next 2Y10.51%
Revenue Next 3Y9.25%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- PMTS is valuated reasonably with a Price/Earnings ratio of 11.47.
- Based on the Price/Earnings ratio, PMTS is valued cheaper than 94.29% of the companies in the same industry.
- PMTS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- Based on the Price/Forward Earnings ratio of 5.81, the valuation of PMTS can be described as very cheap.
- Based on the Price/Forward Earnings ratio, PMTS is valued cheaper than 97.14% of the companies in the same industry.
- PMTS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.48 | ||
| Fwd PE | 5.81 |
4.2 Price Multiples
- 97.14% of the companies in the same industry are more expensive than PMTS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, PMTS is valued cheaper than 94.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.65 | ||
| EV/EBITDA | 6.32 |
4.3 Compensation for Growth
- PMTS has a very decent profitability rating, which may justify a higher PE ratio.
- PMTS's earnings are expected to grow with 27.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.82%
EPS Next 3Y27.21%
5. Dividend
5.1 Amount
- PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CPI CARD GROUP INC / PMTS FAQ
What is the fundamental rating for PMTS stock?
ChartMill assigns a fundamental rating of 6 / 10 to PMTS.
What is the valuation status of CPI CARD GROUP INC (PMTS) stock?
ChartMill assigns a valuation rating of 8 / 10 to CPI CARD GROUP INC (PMTS). This can be considered as Undervalued.
What is the profitability of PMTS stock?
CPI CARD GROUP INC (PMTS) has a profitability rating of 7 / 10.
How financially healthy is CPI CARD GROUP INC?
The financial health rating of CPI CARD GROUP INC (PMTS) is 5 / 10.
How sustainable is the dividend of CPI CARD GROUP INC (PMTS) stock?
The dividend rating of CPI CARD GROUP INC (PMTS) is 0 / 10 and the dividend payout ratio is 0%.