CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
USA - NASDAQ:PMTS - US12634H2004 - Common Stock
15.275 USD
-0.12 (-0.81%)
15.275 USD
0 (0%)
Overall PMTS gets a fundamental rating of 6 out of 10. We evaluated PMTS against 33 industry peers in the Technology Hardware, Storage & Peripherals industry. PMTS scores excellent on profitability, but 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 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.
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 3.34%. This is in the better half of the industry: PMTS outperforms 69.70% of its industry peers.
Looking at the Return On Invested Capital, with a value of 13.18%, PMTS is in the better half of the industry, outperforming 75.76% of the companies in the same industry.
PMTS had an Average Return On Invested Capital over the past 3 years of 20.36%. This is significantly above the industry average of 14.92%.
The last Return On Invested Capital (13.18%) 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 | 3.34% | ||
| ROE | N/A | ||
| ROIC | 13.18% |
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's Profit Margin of 2.66% is fine compared to the rest of the industry. PMTS outperforms 63.64% of its industry peers.
PMTS's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 11.40%, PMTS is in the better half of the industry, outperforming 78.79% of the companies in the same industry.
PMTS's Operating Margin has improved in the last couple of years.
PMTS's Gross Margin of 33.47% is in line compared to the rest of the industry. PMTS outperforms 57.58% of its industry peers.
PMTS's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.4% | ||
| PM (TTM) | 2.66% | ||
| GM | 33.47% |
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.
PMTS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PMTS has an improved debt to assets ratio.
2.2 Solvency
PMTS has an Altman-Z score of 2.25. 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 (2.25) which is comparable to the rest of the industry.
The Debt to FCF ratio of PMTS is 9.28, which is on the high side as it means it would take PMTS, 9.28 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PMTS (9.28) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 9.28 | ||
| Altman-Z | 2.25 |
ROIC/WACC1.78
WACC7.39%
2.3 Liquidity
A Current Ratio of 2.59 indicates that PMTS has no problem at all paying its short term obligations.
The Current ratio of PMTS (2.59) is better than 75.76% of its industry peers.
A Quick Ratio of 1.52 indicates that PMTS should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.52, PMTS is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
The earnings per share for PMTS have decreased strongly by -33.73% in the last year.
PMTS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.51% yearly.
Looking at the last year, PMTS shows a quite strong growth in Revenue. The Revenue has grown by 14.30% 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)-33.73%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-92.16%
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.2%
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
PMTS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.43% yearly.
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.
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
The Price/Earnings ratio is 13.64, which indicates a correct valuation of PMTS.
Based on the Price/Earnings ratio, PMTS is valued cheaper than 90.91% of the companies in the same industry.
PMTS is valuated cheaply when we compare the Price/Earnings ratio to 27.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.01, the valuation of PMTS can be described as very cheap.
90.91% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
PMTS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.64 | ||
| Fwd PE | 5.01 |
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.
93.94% of the companies in the same industry are more expensive than PMTS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.17 | ||
| EV/EBITDA | 6.2 |
4.3 Compensation for Growth
PMTS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of PMTS may justify a higher PE ratio.
A more expensive valuation may be justified as PMTS's earnings are expected to grow with 28.97% in the coming years.
PEG (NY)1.39
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 |
15.275
-0.12 (-0.81%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners30.37%
Inst Owner Change0%
Ins Owners2.78%
Ins Owner Change2.99%
Market Cap173.22M
Analysts82
Price Target34.68 (127.04%)
Short Float %2.5%
Short Ratio2.51
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)-66.09%
Min EPS beat(2)-92.2%
Max EPS beat(2)-39.98%
EPS beat(4)1
Avg EPS beat(4)-51.55%
Min EPS beat(4)-92.2%
Max EPS beat(4)4.94%
EPS beat(8)2
Avg EPS beat(8)-30.34%
EPS beat(12)6
Avg EPS beat(12)10.18%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-4.33%
Max Revenue beat(2)-0.45%
Revenue beat(4)2
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)4.41%
Revenue beat(8)4
Avg Revenue beat(8)-0.11%
Revenue beat(12)8
Avg Revenue beat(12)3.22%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-7.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-40.74%
EPS NY rev (1m)-8.58%
EPS NY rev (3m)-28.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.64 | ||
| Fwd PE | 5.01 | ||
| P/S | 0.34 | ||
| P/FCF | 5.17 | ||
| P/OCF | 3.52 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.2 |
EPS(TTM)1.12
EY7.33%
EPS(NY)3.05
Fwd EY19.97%
FCF(TTM)2.96
FCFY19.35%
OCF(TTM)4.33
OCFY28.37%
SpS44.3
BVpS-2.56
TBVpS-8.66
PEG (NY)1.39
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.34% | ||
| ROE | N/A | ||
| ROCE | 17.85% | ||
| ROIC | 13.18% | ||
| ROICexc | 13.92% | ||
| ROICexgc | 18.02% | ||
| OM | 11.4% | ||
| PM (TTM) | 2.66% | ||
| GM | 33.47% | ||
| FCFM | 6.67% |
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%
ROICexcg growth 3Y-13.11%
ROICexcg 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 Turnover1.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 9.28 | ||
| Debt/EBITDA | 4.12 | ||
| Cap/Depr | 86.25% | ||
| Cap/Sales | 3.11% | ||
| Interest Coverage | 1.95 | ||
| Cash Conversion | 65.19% | ||
| Profit Quality | 250.93% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 1.52 | ||
| Altman-Z | 2.25 |
F-Score4
WACC7.39%
ROIC/WACC1.78
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)-33.73%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-92.16%
EPS Next Y9.83%
EPS Next 2Y35.95%
EPS Next 3Y28.97%
EPS Next 5YN/A
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.2%
Revenue Next Year13.67%
Revenue Next 2Y12.1%
Revenue Next 3Y9.43%
Revenue Next 5YN/A
EBIT growth 1Y8.88%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year54.42%
EBIT Next 3Y24.37%
EBIT Next 5YN/A
FCF growth 1Y-0.04%
FCF growth 3Y49.66%
FCF growth 5YN/A
OCF growth 1Y-1.34%
OCF growth 3Y28.89%
OCF growth 5Y72.45%