CPI CARD GROUP INC (PMTS) Fundamental Analysis & Valuation

NASDAQ:PMTS • US12634H2004

Current stock price

13.94 USD
-0.06 (-0.43%)
At close:
13.94 USD
0 (0%)
After Hours:

This PMTS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. PMTS Profitability Analysis

1.1 Basic Checks

  • PMTS had positive earnings in the past year.
  • PMTS had a positive operating cash flow in the past year.
  • In the past 5 years PMTS has always been profitable.
  • In the past 5 years PMTS always reported a positive cash flow from operatings.
PMTS Yearly Net Income VS EBIT VS OCF VS FCFPMTS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M

1.2 Ratios

  • With a decent Return On Assets value of 3.71%, PMTS is doing good in the industry, outperforming 75.68% of the companies in the same industry.
  • The Return On Invested Capital of PMTS (12.66%) is better than 81.08% of its industry peers.
  • PMTS had an Average Return On Invested Capital over the past 3 years of 16.04%. This is in line with the industry average of 15.72%.
Industry RankSector Rank
ROA 3.71%
ROE N/A
ROIC 12.67%
ROA(3y)5.82%
ROA(5y)7.14%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.04%
ROIC(5y)19.04%
PMTS Yearly ROA, ROE, ROICPMTS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60 -80

1.3 Margins

  • PMTS has a better Profit Margin (2.75%) than 70.27% of its industry peers.
  • PMTS's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 10.09%, PMTS belongs to the top of the industry, outperforming 83.78% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PMTS has declined.
  • Looking at the Gross Margin, with a value of 31.29%, PMTS is in line with its industry, outperforming 56.76% of the companies in the same industry.
  • PMTS's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 10.09%
PM (TTM) 2.75%
GM 31.29%
OM growth 3Y-15.38%
OM growth 5Y-3.88%
PM growth 3Y-28.96%
PM growth 5Y-11.81%
GM growth 3Y-5.39%
GM growth 5Y-2.4%
PMTS Yearly Profit, Operating, Gross MarginsPMTS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PMTS Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PMTS is creating value.
  • Compared to 1 year ago, PMTS has more shares outstanding
  • PMTS has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PMTS has an improved debt to assets ratio.
PMTS Yearly Shares OutstandingPMTS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
PMTS Yearly Total Debt VS Total AssetsPMTS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.2 Solvency

  • PMTS has an Altman-Z score of 2.32. 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.
  • Looking at the Altman-Z score, with a value of 2.32, PMTS is in the better half of the industry, outperforming 67.57% of the companies in the same industry.
  • The Debt to FCF ratio of PMTS is 6.94, which is on the high side as it means it would take PMTS, 6.94 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.94, PMTS is in line with its industry, outperforming 59.46% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 6.94
Altman-Z 2.32
ROIC/WACC1.56
WACC8.12%
PMTS Yearly LT Debt VS Equity VS FCFPMTS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 2.44 indicates that PMTS has no problem at all paying its short term obligations.
  • PMTS's Current ratio of 2.44 is fine compared to the rest of the industry. PMTS outperforms 67.57% of its industry peers.
  • PMTS has a Quick Ratio of 1.58. This is a normal value and indicates that PMTS is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.58, PMTS is in the better half of the industry, outperforming 64.86% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.44
Quick Ratio 1.58
PMTS Yearly Current Assets VS Current LiabilitesPMTS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PMTS Growth Analysis

3.1 Past

  • PMTS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -23.64%.
  • PMTS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.73% yearly.
  • The Revenue has grown by 13.09% in the past year. This is quite good.
  • The Revenue has been growing by 11.73% on average over the past years. This is quite good.
EPS 1Y (TTM)-23.64%
EPS 3Y-25.93%
EPS 5Y-2.73%
EPS Q2Q%10.53%
Revenue 1Y (TTM)13.09%
Revenue growth 3Y4.54%
Revenue growth 5Y11.73%
Sales Q2Q%22.35%

3.2 Future

  • Based on estimates for the next years, PMTS will show a very strong growth in Earnings Per Share. The EPS will grow by 64.19% on average per year.
  • PMTS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.69% yearly.
EPS Next Y88.01%
EPS Next 2Y64.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.36%
Revenue Next 2Y9.69%
Revenue Next 3YN/A
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.
PMTS Yearly Revenue VS EstimatesPMTS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
PMTS Yearly EPS VS EstimatesPMTS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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Find the best growth stocksShow best growing peers

9

4. PMTS Valuation Analysis

4.1 Price/Earnings Ratio

  • PMTS is valuated reasonably with a Price/Earnings ratio of 11.06.
  • Based on the Price/Earnings ratio, PMTS is valued cheaply inside the industry as 94.59% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (25.23), we can say PMTS is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.88, the valuation of PMTS can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PMTS is valued cheaper than 94.59% of the companies in the same industry.
  • PMTS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.51.
Industry RankSector Rank
PE 11.06
Fwd PE 5.88
PMTS Price Earnings VS Forward Price EarningsPMTS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 97.30% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 94.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.87
EV/EBITDA 5.49
PMTS Per share dataPMTS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • PMTS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PMTS's earnings are expected to grow with 64.19% in the coming years.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y64.19%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PMTS Dividend Analysis

5.1 Amount

  • No dividends for PMTS!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

PMTS Fundamentals: All Metrics, Ratios and Statistics

CPI CARD GROUP INC

NASDAQ:PMTS (3/26/2026, 8:00:00 PM)

After market: 13.94 0 (0%)

13.94

-0.06 (-0.43%)

Chartmill FA Rating
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)03-05
Earnings (Next)05-05
Inst Owners28.42%
Inst Owner Change-0.78%
Ins Owners4.6%
Ins Owner Change2.98%
Market Cap159.75M
Revenue(TTM)543.53M
Net Income(TTM)14.95M
Analysts82
Price Target28.82 (106.74%)
Short Float %3.86%
Short Ratio5.12
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-23.56%
Min EPS beat(2)-58.91%
Max EPS beat(2)11.79%
EPS beat(4)1
Avg EPS beat(4)-44.82%
Min EPS beat(4)-92.2%
Max EPS beat(4)11.79%
EPS beat(8)3
Avg EPS beat(8)-32.08%
EPS beat(12)5
Avg EPS beat(12)-14.71%
EPS beat(16)9
Avg EPS beat(16)13.83%
Revenue beat(2)1
Avg Revenue beat(2)-0.24%
Min Revenue beat(2)-3.81%
Max Revenue beat(2)3.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.31%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)3.32%
Revenue beat(8)5
Avg Revenue beat(8)1.39%
Revenue beat(12)7
Avg Revenue beat(12)1.01%
Revenue beat(16)11
Avg Revenue beat(16)4.04%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-42.06%
EPS NQ rev (3m)-42.06%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-2.9%
Revenue NQ rev (3m)-2.9%
Revenue NY rev (1m)0.78%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 11.06
Fwd PE 5.88
P/S 0.29
P/FCF 3.87
P/OCF 2.68
P/B N/A
P/tB N/A
EV/EBITDA 5.49
EPS(TTM)1.26
EY9.04%
EPS(NY)2.37
Fwd EY16.99%
FCF(TTM)3.61
FCFY25.87%
OCF(TTM)5.19
OCFY37.25%
SpS47.43
BVpS-1.51
TBVpS-7.39
PEG (NY)0.13
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 3.71%
ROE N/A
ROCE 17.19%
ROIC 12.67%
ROICexc 13.59%
ROICexgc 17.56%
OM 10.09%
PM (TTM) 2.75%
GM 31.29%
FCFM 7.6%
ROA(3y)5.82%
ROA(5y)7.14%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.04%
ROIC(5y)19.04%
ROICexc(3y)17.47%
ROICexc(5y)20.64%
ROICexgc(3y)23.16%
ROICexgc(5y)29.26%
ROCE(3y)21.77%
ROCE(5y)25.83%
ROICexgc growth 3Y-22.86%
ROICexgc growth 5Y-13.44%
ROICexc growth 3Y-20.27%
ROICexc growth 5Y-6.14%
OM growth 3Y-15.38%
OM growth 5Y-3.88%
PM growth 3Y-28.96%
PM growth 5Y-11.81%
GM growth 3Y-5.39%
GM growth 5Y-2.4%
F-Score4
Asset Turnover1.35
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 6.94
Debt/EBITDA 3.71
Cap/Depr 80.92%
Cap/Sales 3.34%
Interest Coverage 1.69
Cash Conversion 76.98%
Profit Quality 276.44%
Current Ratio 2.44
Quick Ratio 1.58
Altman-Z 2.32
F-Score4
WACC8.12%
ROIC/WACC1.56
Cap/Depr(3y)59.17%
Cap/Depr(5y)72.84%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.63%
Profit Quality(3y)188.71%
Profit Quality(5y)133.39%
High Growth Momentum
Growth
EPS 1Y (TTM)-23.64%
EPS 3Y-25.93%
EPS 5Y-2.73%
EPS Q2Q%10.53%
EPS Next Y88.01%
EPS Next 2Y64.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.09%
Revenue growth 3Y4.54%
Revenue growth 5Y11.73%
Sales Q2Q%22.35%
Revenue Next Year9.36%
Revenue Next 2Y9.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-12.66%
EBIT growth 3Y-11.53%
EBIT growth 5Y7.39%
EBIT Next Year91.13%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.35%
FCF growth 3Y45.31%
FCF growth 5Y22.6%
OCF growth 1Y37.38%
OCF growth 3Y23.83%
OCF growth 5Y22.01%

CPI CARD GROUP INC / PMTS Fundamental Analysis FAQ

What is the fundamental rating for PMTS stock?

ChartMill assigns a fundamental rating of 5 / 10 to PMTS.


What is the valuation status of CPI CARD GROUP INC (PMTS) stock?

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 5 / 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%.