15.21 USD
+0.02 (+0.13%)
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. PMTS has an excellent profitability rating, but there are some minor concerns on its financial health. PMTS is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make PMTS suitable for value investing!
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.
PMTS had positive earnings in each of the past 5 years.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
PMTS has a better Return On Assets (3.53%) than 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 significantly above the industry average of 15.27%.
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 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 65.71% 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 has a Operating Margin of 10.18%. This is in the better half of the industry: PMTS outperforms 80.00% of its industry peers.
PMTS's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 31.89%, PMTS perfoms like the industry average, outperforming 57.14% of the companies in the same 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
PMTS has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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.
Compared to 1 year ago, PMTS has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.22 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
PMTS has a Altman-Z score (2.22) which is comparable to the rest of the industry.
The Debt to FCF ratio of PMTS is 11.12, which is on the high side as it means it would take PMTS, 11.12 years of fcf income to pay off 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 | 2.22 |
ROIC/WACC1.61
WACC7.43%
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.
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 27.21% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.25% on average over the next years. This is quite good.
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
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
The Price/Earnings ratio is 12.68, which indicates a correct valuation of PMTS.
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.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (26.92), we can say PMTS is valued rather cheaply.
PMTS is valuated cheaply with a Price/Forward Earnings ratio of 6.42.
Based on the Price/Forward Earnings ratio, PMTS is valued cheaply inside the industry as 91.43% of the companies are valued more expensively.
PMTS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.68 | ||
| Fwd PE | 6.42 |
4.2 Price Multiples
PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 97.14% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PMTS is valued cheaply inside the industry as 91.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.25 | ||
| EV/EBITDA | 6.42 |
4.3 Compensation for Growth
The decent profitability rating of PMTS may justify a higher PE ratio.
PMTS's earnings are expected to grow with 27.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.82%
EPS Next 3Y27.21%
5. Dividend
5.1 Amount
No dividends for PMTS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:PMTS (12/26/2025, 8:10:23 PM)
15.21
+0.02 (+0.13%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners28.2%
Inst Owner Change-6.27%
Ins Owners2.91%
Ins Owner Change3.4%
Market Cap173.24M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target28.82 (89.48%)
Short Float %5.34%
Short Ratio4.87
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)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)-33.16%
EPS NY rev (3m)-33.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)-0.99%
Revenue NY rev (3m)-0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.68 | ||
| Fwd PE | 6.42 | ||
| P/S | 0.34 | ||
| P/FCF | 6.25 | ||
| P/OCF | 3.72 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.42 |
EPS(TTM)1.2
EY7.89%
EPS(NY)2.37
Fwd EY15.57%
FCF(TTM)2.44
FCFY16.01%
OCF(TTM)4.09
OCFY26.88%
SpS45.27
BVpS-2.25
TBVpS-8.43
PEG (NY)N/A
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 | 2.22 |
F-Score4
WACC7.43%
ROIC/WACC1.61
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.
Can you provide the valuation status for CPI CARD GROUP INC?
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.
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 decline by -26.59% 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%.