12.07 USD
+0.17 (+1.43%)
12.07 USD
0 (0%)
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. While PMTS belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. PMTS may be a bit undervalued, certainly considering the very reasonable score on growth This makes PMTS very considerable 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.
Each year in the past 5 years PMTS has been profitable.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 3.53%, PMTS is doing good in the industry, outperforming 71.43% of the companies in the same industry.
PMTS's Return On Invested Capital of 11.93% is fine compared to the rest of the industry. PMTS outperforms 77.14% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PMTS is above the industry average of 16.16%.
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 62.86% of its industry peers.
In the last couple of years the Profit Margin of PMTS has remained more or less at the same level.
PMTS has a better Operating Margin (10.18%) than 80.00% 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 comparable to the rest of the industry.
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.
PMTS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PMTS has been increased compared to 5 years ago.
PMTS has a better debt/assets ratio than last year.
2.2 Solvency
PMTS has an Altman-Z score of 2.17. This is not the best score and indicates that PMTS is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of PMTS (2.17) is comparable to the rest of the industry.
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.
The Debt to FCF ratio of PMTS (11.12) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Altman-Z | 2.17 |
ROIC/WACC1.64
WACC7.29%
2.3 Liquidity
A Current Ratio of 2.56 indicates that PMTS has no problem at all paying its short term obligations.
PMTS has a Current ratio of 2.56. This is in the better half of the industry: PMTS outperforms 71.43% of its industry peers.
PMTS has a Quick Ratio of 1.53. This is a normal value and indicates that PMTS is financially healthy and should not expect problems in meeting its short term obligations.
PMTS has a Quick ratio of 1.53. This is in the better half of the industry: PMTS outperforms 65.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.56 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
PMTS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.40%.
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 28.97% yearly.
The Revenue is expected to grow by 9.43% on average over the next years. This is quite good.
EPS Next Y9.83%
EPS Next 2Y35.95%
EPS Next 3Y28.97%
EPS Next 5YN/A
Revenue Next Year13.67%
Revenue Next 2Y12.1%
Revenue Next 3Y9.43%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 10.06.
Based on the Price/Earnings ratio, PMTS is valued cheaply inside the industry as 91.43% of the companies are valued more expensively.
PMTS is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 3.96, which indicates a rather cheap valuation of PMTS.
91.43% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, PMTS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.06 | ||
| Fwd PE | 3.96 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PMTS is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
PMTS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PMTS is cheaper than 94.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.93 | ||
| EV/EBITDA | 5.89 |
4.3 Compensation for Growth
PMTS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PMTS has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as PMTS's earnings are expected to grow with 28.97% in the coming years.
PEG (NY)1.02
PEG (5Y)N/A
EPS Next 2Y35.95%
EPS Next 3Y28.97%
5. Dividend
5.1 Amount
No dividends for PMTS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
12.07
+0.17 (+1.43%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners30.37%
Inst Owner Change-5.39%
Ins Owners2.78%
Ins Owner Change17.46%
Market Cap136.87M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target34.68 (187.32%)
Short Float %3.18%
Short Ratio3.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-75.55%
Min EPS beat(2)-92.2%
Max EPS beat(2)-58.91%
EPS beat(4)1
Avg EPS beat(4)-46.53%
Min EPS beat(4)-92.2%
Max EPS beat(4)4.94%
EPS beat(8)2
Avg EPS beat(8)-37.34%
EPS beat(12)5
Avg EPS beat(12)-0.62%
EPS beat(16)8
Avg EPS beat(16)7.89%
Revenue beat(2)0
Avg Revenue beat(2)-4.07%
Min Revenue beat(2)-4.33%
Max Revenue beat(2)-3.81%
Revenue beat(4)1
Avg Revenue beat(4)-1.71%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)1.75%
Revenue beat(8)4
Avg Revenue beat(8)0.52%
Revenue beat(12)7
Avg Revenue beat(12)2.4%
Revenue beat(16)10
Avg Revenue beat(16)3.64%
PT rev (1m)0%
PT rev (3m)-7.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-25.27%
Revenue NQ rev (1m)-1.13%
Revenue NQ rev (3m)2.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.06 | ||
| Fwd PE | 3.96 | ||
| P/S | 0.27 | ||
| P/FCF | 4.93 | ||
| P/OCF | 2.94 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.89 |
EPS(TTM)1.2
EY9.94%
EPS(NY)3.05
Fwd EY25.27%
FCF(TTM)2.45
FCFY20.26%
OCF(TTM)4.11
OCFY34.03%
SpS45.47
BVpS-2.26
TBVpS-8.47
PEG (NY)1.02
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.53% | ||
| ROE | N/A | ||
| ROCE | 16.17% | ||
| ROIC | 11.93% | ||
| ROICexc | 12.55% | ||
| ROICexgc | 16.26% | ||
| OM | 10.18% | ||
| PM (TTM) | 2.79% | ||
| GM | 31.89% | ||
| FCFM | 5.38% |
ROA(3y)8.68%
ROA(5y)7.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)20.36%
ROIC(5y)19.24%
ROICexc(3y)21.91%
ROICexc(5y)21.68%
ROICexgc(3y)30.11%
ROICexgc(5y)33.03%
ROCE(3y)27.59%
ROCE(5y)26.06%
ROICexgc growth 3Y-13.11%
ROICexgc growth 5Y6.49%
ROICexc growth 3Y-7.07%
ROICexc growth 5Y16.33%
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%
F-Score4
Asset Turnover1.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Debt/EBITDA | 4.25 | ||
| Cap/Depr | 93.8% | ||
| Cap/Sales | 3.65% | ||
| Interest Coverage | 1.63 | ||
| Cash Conversion | 64.18% | ||
| Profit Quality | 192.99% | ||
| Current Ratio | 2.56 | ||
| Quick Ratio | 1.53 | ||
| Altman-Z | 2.17 |
F-Score4
WACC7.29%
ROIC/WACC1.64
Cap/Depr(3y)72.2%
Cap/Depr(5y)65.08%
Cap/Sales(3y)2.37%
Cap/Sales(5y)2.42%
Profit Quality(3y)108.86%
Profit Quality(5y)96.63%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.4%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%72.73%
EPS Next Y9.83%
EPS Next 2Y35.95%
EPS Next 3Y28.97%
EPS Next 5YN/A
Revenue 1Y (TTM)12.48%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%10.59%
Revenue Next Year13.67%
Revenue Next 2Y12.1%
Revenue Next 3Y9.43%
Revenue Next 5YN/A
EBIT growth 1Y-8.55%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year54.42%
EBIT Next 3Y24.37%
EBIT Next 5YN/A
FCF growth 1Y-14.37%
FCF growth 3Y49.66%
FCF growth 5YN/A
OCF growth 1Y11.15%
OCF growth 3Y28.89%
OCF growth 5Y72.45%
CPI CARD GROUP INC / PMTS FAQ
What is the fundamental rating for PMTS stock?
ChartMill assigns a fundamental rating of 6 / 10 to PMTS.
Can you provide the valuation status for CPI CARD GROUP INC?
ChartMill assigns a valuation rating of 9 / 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.
What is the expected EPS growth for CPI CARD GROUP INC (PMTS) stock?
The Earnings per Share (EPS) of CPI CARD GROUP INC (PMTS) is expected to grow by 9.83% in the next year.
Can you provide the dividend sustainability for PMTS stock?
The dividend rating of CPI CARD GROUP INC (PMTS) is 0 / 10 and the dividend payout ratio is 0%.