CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
USA - NASDAQ:PMTS - US12634H2004 - Common Stock
13.89 USD
-3.64 (-20.76%)
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. PMTS scores excellent on profitability, but there are some minor concerns on its financial health. PMTS may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make PMTS a good candidate 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.
PMTS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PMTS has a Return On Assets of 3.34%. This is in the better half of the industry: PMTS outperforms 71.43% of its industry peers.
With a decent Return On Invested Capital value of 13.18%, PMTS is doing good in the industry, outperforming 77.14% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is above the industry average of 16.54%.
The 3 year average ROIC (20.36%) for PMTS is well above the current ROIC(13.18%). The reason for the recent decline needs to be investigated.
| 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
With a decent Profit Margin value of 2.66%, PMTS is doing good in the industry, outperforming 65.71% of the companies in the same industry.
PMTS's Profit Margin has been stable in the last couple of years.
PMTS has a better Operating Margin (11.40%) than 80.00% of its industry peers.
PMTS's Operating Margin has improved in the last couple of years.
PMTS has a Gross Margin (33.47%) which 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 | 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PMTS 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.
The debt/assets ratio for PMTS has been reduced compared to a year ago.
2.2 Solvency
PMTS has an Altman-Z score of 2.28. 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.
Looking at the Altman-Z score, with a value of 2.28, PMTS is in the better half of the industry, outperforming 62.86% of the companies in the same 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.
With a Debt to FCF ratio value of 9.28, PMTS perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 9.28 | ||
| Altman-Z | 2.28 |
ROIC/WACC1.79
WACC7.38%
2.3 Liquidity
PMTS has a Current Ratio of 2.59. This indicates that PMTS is financially healthy and has no problem in meeting its short term obligations.
PMTS has a Current ratio of 2.59. This is in the better half of the industry: PMTS outperforms 74.29% 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 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
PMTS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.73%.
PMTS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.51% yearly.
PMTS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.30%.
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
Based on estimates for the next years, PMTS will show a very strong growth in Earnings Per Share. The EPS will grow by 28.97% on average per year.
PMTS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.43% 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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.40, PMTS is valued correctly.
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 (26.03), we can say PMTS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.55, the valuation of PMTS can be described as very cheap.
PMTS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 94.29% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.27. PMTS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.4 | ||
| Fwd PE | 4.55 |
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.
94.29% 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 | 4.7 | ||
| EV/EBITDA | 6.53 |
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)1.26
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 |
NASDAQ:PMTS (11/4/2025, 8:00:00 PM)
13.89
-3.64 (-20.76%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners30.37%
Inst Owner Change0.59%
Ins Owners2.78%
Ins Owner Change2.99%
Market Cap157.51M
Revenue(TTM)502.36M
Net Income(TTM)13.36M
Analysts82
Price Target34.68 (149.68%)
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)-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)-37.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-25.27%
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 | 12.4 | ||
| Fwd PE | 4.55 | ||
| P/S | 0.31 | ||
| P/FCF | 4.7 | ||
| P/OCF | 3.21 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.53 |
EPS(TTM)1.12
EY8.06%
EPS(NY)3.05
Fwd EY21.96%
FCF(TTM)2.96
FCFY21.28%
OCF(TTM)4.33
OCFY31.2%
SpS44.3
BVpS-2.56
TBVpS-8.66
PEG (NY)1.26
PEG (5Y)N/A
Graham NumberN/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%
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 Turnover1.26
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 | 2.28 |
F-Score4
WACC7.38%
ROIC/WACC1.79
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%
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 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%.