CPI CARD GROUP INC (PMTS) Fundamental Analysis & Valuation
NASDAQ:PMTS • US12634H2004
Current stock price
18.88 USD
+0.13 (+0.69%)
Last:
This PMTS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PMTS Profitability Analysis
1.1 Basic Checks
- In the past year PMTS was profitable.
- 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.
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.
- Measured over the past 3 years, the Average Return On Invested Capital for PMTS is in line with the industry average of 15.19%.
| Industry Rank | Sector 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%
1.3 Margins
- With a decent Profit Margin value of 2.75%, PMTS is doing good in the industry, outperforming 70.27% of the companies in the same industry.
- PMTS's Profit Margin has declined in the last couple of years.
- PMTS has a better Operating Margin (10.09%) than 83.78% of its industry peers.
- PMTS's Operating Margin has declined in the last couple of years.
- PMTS has a Gross Margin (31.29%) which is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of PMTS has declined.
| Industry Rank | Sector 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%
2. PMTS Health Analysis
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.
- Compared to 1 year ago, PMTS has more shares outstanding
- The number of shares outstanding for PMTS has been increased compared to 5 years ago.
- The debt/assets ratio for PMTS has been reduced compared to a year ago.
2.2 Solvency
- PMTS has an Altman-Z score of 2.41. 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.
- PMTS has a Altman-Z score of 2.41. This is in the better half of the industry: PMTS outperforms 62.16% of its industry peers.
- PMTS has a debt to FCF ratio of 6.94. This is a slightly negative value and a sign of low solvency as PMTS would need 6.94 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 6.94, PMTS perfoms like the industry average, outperforming 59.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 6.94 | ||
| Altman-Z | 2.41 |
ROIC/WACC1.55
WACC8.18%
2.3 Liquidity
- PMTS has a Current Ratio of 2.44. This indicates that PMTS is financially healthy and has no problem in meeting its short term obligations.
- PMTS has a Current ratio of 2.44. This is in the better half 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.
- With a decent Quick ratio value of 1.58, PMTS is doing good in the industry, outperforming 64.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.44 | ||
| Quick Ratio | 1.58 |
3. PMTS Growth Analysis
3.1 Past
- The earnings per share for PMTS have decreased strongly by -23.64% in the last year.
- PMTS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.73% yearly.
- PMTS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.09%.
- Measured over the past years, PMTS shows a quite strong growth in Revenue. The Revenue has been growing by 11.73% on average per year.
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 47.93% 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 Y59.75%
EPS Next 2Y47.93%
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
- 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. PMTS Valuation Analysis
4.1 Price/Earnings Ratio
- PMTS is valuated correctly with a Price/Earnings ratio of 14.98.
- PMTS's Price/Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 86.49% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.95. PMTS is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 9.38, which indicates a very decent valuation of PMTS.
- Based on the Price/Forward Earnings ratio, PMTS is valued cheaper than 86.49% of the companies in the same industry.
- PMTS is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.98 | ||
| Fwd PE | 9.38 |
4.2 Price Multiples
- PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 94.59% of the companies 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 91.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.24 | ||
| EV/EBITDA | 6.23 |
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 47.93% in the coming years.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y47.93%
EPS Next 3YN/A
5. PMTS Dividend Analysis
5.1 Amount
- No dividends for PMTS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
PMTS Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:PMTS (4/20/2026, 8:25:41 PM)
18.88
+0.13 (+0.69%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)03-05 2026-03-05/bmo
Earnings (Next)05-12 2026-05-12
Inst Owners28.28%
Inst Owner Change-0.48%
Ins Owners4.92%
Ins Owner Change3.21%
Market Cap216.36M
Revenue(TTM)543.53M
Net Income(TTM)14.95M
Analysts82
Price Target28.82 (52.65%)
Short Float %4.69%
Short Ratio5.44
Dividend
| Industry Rank | Sector 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)-15.07%
EPS NQ rev (3m)-50.79%
EPS NY rev (1m)-15.03%
EPS NY rev (3m)-15.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.98 | ||
| Fwd PE | 9.38 | ||
| P/S | 0.4 | ||
| P/FCF | 5.24 | ||
| P/OCF | 3.64 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.23 |
EPS(TTM)1.26
EY6.67%
EPS(NY)2.01
Fwd EY10.66%
FCF(TTM)3.61
FCFY19.1%
OCF(TTM)5.19
OCFY27.5%
SpS47.43
BVpS-1.51
TBVpS-7.39
PEG (NY)0.25
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.41 |
F-Score4
WACC8.18%
ROIC/WACC1.55
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 Y59.75%
EPS Next 2Y47.93%
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 Year85.44%
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 for PMTS stock?
ChartMill assigns a valuation rating of 8 / 10 to CPI CARD GROUP INC (PMTS). This can be considered as Undervalued.
How profitable is CPI CARD GROUP INC (PMTS) stock?
CPI CARD GROUP INC (PMTS) has a profitability rating of 5 / 10.
What is the financial health of CPI CARD GROUP INC (PMTS) stock?
The financial health rating of CPI CARD GROUP INC (PMTS) is 5 / 10.
What is the earnings growth outlook for CPI CARD GROUP INC?
The Earnings per Share (EPS) of CPI CARD GROUP INC (PMTS) is expected to grow by 59.75% in the next year.