CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
USA - NASDAQ:PMTS - US12634H2004 - Common Stock
11.9 USD
-0.6 (-4.8%)
PMTS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. 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.
PMTS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PMTS has a better Return On Assets (3.53%) than 71.43% of its industry peers.
With a decent Return On Invested Capital value of 11.93%, PMTS is doing good in the industry, outperforming 77.14% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is above the industry average of 16.16%.
The last Return On Invested Capital (11.93%) for PMTS is well below the 3 year average (20.36%), which needs to be investigated, but indicates that PMTS had better years and this may not be a problem.
| 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
With a decent Profit Margin value of 2.79%, PMTS is doing good in the industry, outperforming 62.86% of the companies in the same industry.
In the last couple of years the Profit Margin of PMTS has remained more or less at the same level.
With a decent Operating Margin value of 10.18%, PMTS is doing good in the industry, outperforming 80.00% of the companies in the same industry.
PMTS's Operating Margin has improved in the last couple of years.
The Gross Margin of PMTS (31.89%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of PMTS has grown nicely.
| 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PMTS is creating value.
PMTS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PMTS has more shares outstanding
Compared to 1 year ago, PMTS has an improved debt to assets ratio.
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.
With a Altman-Z score value of 2.17, PMTS perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
PMTS has a debt to FCF ratio of 11.12. This is a negative value and a sign of low solvency as PMTS would need 11.12 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.12, PMTS is in line with its industry, outperforming 57.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Altman-Z | 2.17 |
ROIC/WACC1.63
WACC7.3%
2.3 Liquidity
PMTS has a Current Ratio of 2.56. This indicates that PMTS is financially healthy and has no problem in meeting its short term obligations.
PMTS's Current ratio of 2.56 is fine compared to the rest of the industry. PMTS outperforms 71.43% of its industry peers.
A Quick Ratio of 1.53 indicates that PMTS should not have too much problems paying 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%.
The Earnings Per Share has been growing slightly by 6.51% on average over the past years.
Looking at the last year, PMTS shows a quite strong growth in Revenue. The Revenue has grown by 12.48% in the last year.
Measured over the past years, PMTS shows a quite strong growth in Revenue. The Revenue has been growing by 11.56% on average per year.
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
The Earnings Per Share is expected to grow by 28.97% on average over the next years. This is a very strong growth
Based on estimates for the next years, PMTS will show a quite strong growth in Revenue. The Revenue will grow by 9.43% on average per year.
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
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 9.92.
91.43% of the companies in the same industry are more expensive than PMTS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (25.47), we can say PMTS is valued rather cheaply.
The Price/Forward Earnings ratio is 3.90, which indicates a rather cheap valuation of PMTS.
Based on the Price/Forward Earnings ratio, PMTS is valued cheaply inside the industry as 91.43% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PMTS to the average of the S&P500 Index (35.42), we can say PMTS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 3.9 |
4.2 Price Multiples
PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 100.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PMTS is valued cheaply inside the industry as 94.29% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.87 | ||
| 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.
PMTS's earnings are expected to grow with 28.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y35.95%
EPS Next 3Y28.97%
5. Dividend
5.1 Amount
PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:PMTS (11/19/2025, 2:57:28 PM)
11.9
-0.6 (-4.8%)
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 Cap134.95M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target34.68 (191.43%)
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 | 9.92 | ||
| Fwd PE | 3.9 | ||
| P/S | 0.26 | ||
| P/FCF | 4.87 | ||
| P/OCF | 2.9 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.89 |
EPS(TTM)1.2
EY10.08%
EPS(NY)3.05
Fwd EY25.63%
FCF(TTM)2.45
FCFY20.55%
OCF(TTM)4.11
OCFY34.51%
SpS45.47
BVpS-2.26
TBVpS-8.47
PEG (NY)1.01
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
WACC7.3%
ROIC/WACC1.63
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%.