CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
USA - NASDAQ:PMTS - US12634H2004 - Common Stock
12.25 USD
-0.8 (-6.13%)
12.25 USD
0 (0%)
Overall PMTS gets a fundamental rating of 6 out of 10. We evaluated PMTS against 35 industry peers in the Technology Hardware, Storage & Peripherals industry. While PMTS has a great profitability rating, 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. These ratings could make PMTS a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year PMTS was profitable.
PMTS had a positive operating cash flow in the past year.
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
PMTS has a Return On Assets of 3.53%. This is in the better half of the industry: PMTS outperforms 71.43% of its industry peers.
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.
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
PMTS has a better Profit Margin (2.79%) than 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's Operating Margin of 10.18% is fine compared to the rest of the industry. PMTS outperforms 80.00% of its industry peers.
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.
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.
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
An Altman-Z score of 2.19 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
PMTS has a Altman-Z score of 2.19. This is comparable to the rest of the industry: PMTS outperforms 57.14% of its industry peers.
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.
With a Debt to FCF ratio value of 11.12, PMTS perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Altman-Z | 2.19 |
ROIC/WACC1.62
WACC7.35%
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 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.
With a decent Quick ratio value of 1.53, PMTS is doing good in the industry, outperforming 65.71% 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.
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.
PMTS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.56% yearly.
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
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
PMTS is valuated reasonably with a Price/Earnings ratio of 10.21.
PMTS's Price/Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 91.43% of the companies in the same industry.
PMTS is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.02, the valuation of PMTS can be described as very cheap.
91.43% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
PMTS is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.21 | ||
| Fwd PE | 4.02 |
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 100.00% of the companies listed in the same industry.
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 | 5.01 | ||
| EV/EBITDA | 6.07 |
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)1.04
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 |
12.25
-0.8 (-6.13%)
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 Cap138.91M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target34.68 (183.1%)
Short Float %3%
Short Ratio4.05
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 | 10.21 | ||
| Fwd PE | 4.02 | ||
| P/S | 0.27 | ||
| P/FCF | 5.01 | ||
| P/OCF | 2.98 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.07 |
EPS(TTM)1.2
EY9.8%
EPS(NY)3.05
Fwd EY24.9%
FCF(TTM)2.45
FCFY19.97%
OCF(TTM)4.11
OCFY33.53%
SpS45.47
BVpS-2.26
TBVpS-8.47
PEG (NY)1.04
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 | 2.19 |
F-Score4
WACC7.35%
ROIC/WACC1.62
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%.