CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis

NASDAQ:PMTS • US12634H2004

11.895 USD
-0.11 (-0.88%)
At close: Feb 23, 2026
11.895 USD
0 (0%)
After Hours: 2/23/2026, 8:09:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall PMTS gets a fundamental rating of 6 out of 10. We evaluated PMTS against 36 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. These ratings could make PMTS a good candidate for value investing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

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.
  • PMTS had a positive operating cash flow in each of the past 5 years.
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 0 20M -20M 40M 60M

1.2 Ratios

  • PMTS has a better Return On Assets (3.53%) than 77.78% of its industry peers.
  • The Return On Invested Capital of PMTS (11.93%) is better than 77.78% of its industry peers.
  • PMTS had an Average Return On Invested Capital over the past 3 years of 20.36%. This is above the industry average of 16.56%.
  • 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 RankSector 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%
PMTS Yearly ROA, ROE, ROICPMTS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

  • PMTS has a better Profit Margin (2.79%) than 69.44% of its industry peers.
  • In the last couple of years the Profit Margin of PMTS has remained more or less at the same level.
  • The Operating Margin of PMTS (10.18%) is better than 80.56% 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.
  • In the last couple of years the Gross Margin of PMTS has grown nicely.
Industry RankSector 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%
PMTS Yearly Profit, Operating, Gross MarginsPMTS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • 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.
PMTS Yearly Shares OutstandingPMTS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100M 200M 300M

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.
  • PMTS has a better Altman-Z score (2.17) than 63.89% 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.
  • PMTS has a Debt to FCF ratio (11.12) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 11.12
Altman-Z 2.17
ROIC/WACC1.64
WACC7.29%
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 0 100M -100M 200M 300M

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 better Current ratio (2.56) than 72.22% of its industry peers.
  • A Quick Ratio of 1.53 indicates that PMTS should not have too much problems paying its short term obligations.
  • The Quick ratio of PMTS (1.53) is better than 63.89% of its industry peers.
Industry RankSector Rank
Current Ratio 2.56
Quick Ratio 1.53
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 50M 100M 150M 200M

More info and screens

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

6

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%.
  • Measured over the past 5 years, PMTS shows a small growth in Earnings Per Share. The EPS has been growing by 6.51% on average per year.
  • The Revenue has grown by 12.48% in the past year. This is quite good.
  • 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

  • The Earnings Per Share is expected to grow by 27.21% on average over the next years. This is a very strong growth
  • PMTS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.25% yearly.
EPS Next Y-26.59%
EPS Next 2Y19.82%
EPS Next 3Y27.21%
EPS Next 5YN/A
Revenue Next Year12.54%
Revenue Next 2Y10.51%
Revenue Next 3Y9.25%
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • PMTS is valuated reasonably with a Price/Earnings ratio of 9.91.
  • 94.44% of the companies in the same industry are more expensive than PMTS, based on the Price/Earnings ratio.
  • PMTS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • PMTS is valuated cheaply with a Price/Forward Earnings ratio of 5.02.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 97.22% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PMTS to the average of the S&P500 Index (27.75), we can say PMTS is valued rather cheaply.
Industry RankSector Rank
PE 9.91
Fwd PE 5.02
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

  • PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 97.22% of the companies in the same industry.
  • 94.44% of the companies in the same industry are more expensive than PMTS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.88
EV/EBITDA 5.91
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 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 27.21% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.82%
EPS Next 3Y27.21%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

CPI CARD GROUP INC

NASDAQ:PMTS (2/23/2026, 8:09:36 PM)

After market: 11.895 0 (0%)

11.895

-0.11 (-0.88%)

Chartmill FA Rating
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)11-04
Earnings (Next)03-10
Inst Owners27.86%
Inst Owner Change-0.78%
Ins Owners4.88%
Ins Owner Change3.27%
Market Cap135.48M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target28.82 (142.29%)
Short Float %3.4%
Short Ratio5.88
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)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)-16.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-36.74%
EPS NY rev (1m)0%
EPS NY rev (3m)-33.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.99%
Valuation
Industry RankSector Rank
PE 9.91
Fwd PE 5.02
P/S 0.26
P/FCF 4.88
P/OCF 2.91
P/B N/A
P/tB N/A
EV/EBITDA 5.91
EPS(TTM)1.2
EY10.09%
EPS(NY)2.37
Fwd EY19.92%
FCF(TTM)2.44
FCFY20.47%
OCF(TTM)4.09
OCFY34.37%
SpS45.27
BVpS-2.25
TBVpS-8.43
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 Y-26.59%
EPS Next 2Y19.82%
EPS Next 3Y27.21%
EPS Next 5YN/A
Revenue 1Y (TTM)12.48%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%10.59%
Revenue Next Year12.54%
Revenue Next 2Y10.51%
Revenue Next 3Y9.25%
Revenue Next 5YN/A
EBIT growth 1Y-8.55%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year47.62%
EBIT Next 3Y24.12%
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.


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

ChartMill assigns a valuation rating of 8 / 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.


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%.