CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
NASDAQ:PMTS - Nasdaq - US12634H2004 - Common Stock - Currency: USD
PMTS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 32 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
In the past year PMTS was profitable.
In the past year PMTS had a positive cash flow from operations.
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
With a decent Return On Assets value of 5.35%, PMTS is doing good in the industry, outperforming 75.00% of the companies in the same industry.
PMTS's Return On Invested Capital of 16.15% is fine compared to the rest of the industry. PMTS outperforms 75.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is above the industry average of 16.14%.
The 3 year average ROIC (20.36%) for PMTS is well above the current ROIC(16.15%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.35% | ||
| ROE | N/A | ||
| ROIC | 16.15% |
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 Profit Margin (3.83%) which is in line with its industry peers.
PMTS's Profit Margin has been stable in the last couple of years.
PMTS's Operating Margin of 12.77% is fine compared to the rest of the industry. PMTS outperforms 78.13% of its industry peers.
In the last couple of years the Operating Margin of PMTS has grown nicely.
The Gross Margin of PMTS (34.67%) is better than 62.50% of its industry peers.
In the last couple of years the Gross Margin of PMTS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.77% | ||
| PM (TTM) | 3.83% | ||
| GM | 34.67% |
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.
Compared to 1 year ago, PMTS has less shares outstanding
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
An Altman-Z score of 2.71 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.71, PMTS is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
PMTS has a debt to FCF ratio of 10.40. This is a negative value and a sign of low solvency as PMTS would need 10.40 years to pay back of all of its debts.
With a Debt to FCF ratio value of 10.40, PMTS perfoms like the industry average, outperforming 56.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 10.4 | ||
| Altman-Z | 2.71 |
ROIC/WACC1.53
WACC10.54%
2.3 Liquidity
A Current Ratio of 2.95 indicates that PMTS has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.95, PMTS is doing good in the industry, outperforming 78.13% of the companies in the same industry.
A Quick Ratio of 1.80 indicates that PMTS should not have too much problems paying its short term obligations.
PMTS's Quick ratio of 1.80 is fine compared to the rest of the industry. PMTS outperforms 71.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.95 | ||
| Quick Ratio | 1.8 |
3. Growth
3.1 Past
PMTS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.09%.
The Earnings Per Share has been growing slightly by 6.51% on average over the past years.
The Revenue has grown by 12.79% in the past year. This is quite good.
PMTS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.56% yearly.
EPS 1Y (TTM)-8.09%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-13.04%
Revenue 1Y (TTM)12.79%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.67%
3.2 Future
PMTS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.23% yearly.
The Revenue is expected to grow by 10.45% on average over the next years. This is quite good.
EPS Next Y54.55%
EPS Next 2Y43.76%
EPS Next 3Y35.23%
EPS Next 5YN/A
Revenue Next Year13.44%
Revenue Next 2Y12.96%
Revenue Next 3Y10.45%
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
A Price/Earnings ratio of 14.92 indicates a correct valuation of PMTS.
75.00% of the companies in the same industry are more expensive than PMTS, based on the Price/Earnings ratio.
PMTS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.96, the valuation of PMTS can be described as very cheap.
Based on the Price/Forward Earnings ratio, PMTS is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PMTS to the average of the S&P500 Index (21.60), we can say PMTS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.92 | ||
| Fwd PE | 6.96 |
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.
Based on the Price/Free Cash Flow ratio, PMTS is valued cheaper than 93.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.91 | ||
| EV/EBITDA | 6.45 |
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.
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 35.23% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y43.76%
EPS Next 3Y35.23%
5. Dividend
5.1 Amount
No dividends for PMTS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
23.72
+0.4 (+1.72%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners29.17%
Inst Owner Change0.83%
Ins Owners2.46%
Ins Owner Change2.15%
Market Cap267.56M
Analysts82
Price Target37.49 (58.05%)
Short Float %1.62%
Short Ratio1.71
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)1
Avg EPS beat(2)-17.52%
Min EPS beat(2)-39.98%
Max EPS beat(2)4.94%
EPS beat(4)1
Avg EPS beat(4)-31.83%
Min EPS beat(4)-78.99%
Max EPS beat(4)4.94%
EPS beat(8)3
Avg EPS beat(8)-10.89%
EPS beat(12)7
Avg EPS beat(12)21.02%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-0.45%
Max Revenue beat(2)1.75%
Revenue beat(4)3
Avg Revenue beat(4)2.51%
Min Revenue beat(4)-0.45%
Max Revenue beat(4)4.41%
Revenue beat(8)5
Avg Revenue beat(8)1.54%
Revenue beat(12)9
Avg Revenue beat(12)4.34%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.34%
PT rev (3m)0.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-30.77%
EPS NY rev (1m)-20.21%
EPS NY rev (3m)-11.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.92 | ||
| Fwd PE | 6.96 | ||
| P/S | 0.54 | ||
| P/FCF | 9.91 | ||
| P/OCF | 6.68 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.45 |
EPS(TTM)1.59
EY6.7%
EPS(NY)3.41
Fwd EY14.38%
FCF(TTM)2.39
FCFY10.09%
OCF(TTM)3.55
OCFY14.97%
SpS43.57
BVpS-2.63
TBVpS-7.67
PEG (NY)0.27
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.35% | ||
| ROE | N/A | ||
| ROCE | 21.89% | ||
| ROIC | 16.15% | ||
| ROICexc | 18.15% | ||
| ROICexgc | 23.34% | ||
| OM | 12.77% | ||
| PM (TTM) | 3.83% | ||
| GM | 34.67% | ||
| FCFM | 5.49% |
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-Score6
Asset Turnover1.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 10.4 | ||
| Debt/EBITDA | 3.53 | ||
| Cap/Depr | 78.39% | ||
| Cap/Sales | 2.66% | ||
| Interest Coverage | 2.13 | ||
| Cash Conversion | 50.43% | ||
| Profit Quality | 143.25% | ||
| Current Ratio | 2.95 | ||
| Quick Ratio | 1.8 | ||
| Altman-Z | 2.71 |
F-Score6
WACC10.54%
ROIC/WACC1.53
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)-8.09%
EPS 3Y6.51%
EPS 5YN/A
EPS Q2Q%-13.04%
EPS Next Y54.55%
EPS Next 2Y43.76%
EPS Next 3Y35.23%
EPS Next 5YN/A
Revenue 1Y (TTM)12.79%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%9.67%
Revenue Next Year13.44%
Revenue Next 2Y12.96%
Revenue Next 3Y10.45%
Revenue Next 5YN/A
EBIT growth 1Y13.71%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year62.1%
EBIT Next 3Y25.5%
EBIT Next 5YN/A
FCF growth 1Y-25.92%
FCF growth 3Y49.66%
FCF growth 5YN/A
OCF growth 1Y-27.59%
OCF growth 3Y28.89%
OCF growth 5Y72.45%