13.74 USD
-0.2 (-1.43%)
Taking everything into account, PMTS scores 6 out of 10 in our fundamental rating. PMTS was compared to 35 industry peers in the Technology Hardware, Storage & Peripherals industry. While PMTS has a great profitability rating, 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! With these ratings, PMTS could be worth investigating further 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.
- In the past 5 years PMTS always reported a positive cash flow from operatings.
1.2 Ratios
- PMTS has a better Return On Assets (3.53%) than 74.29% of its industry peers.
- PMTS has a Return On Invested Capital of 11.93%. This is in the better half of the industry: PMTS outperforms 77.14% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for PMTS is above the industry average of 16.06%.
- The last Return On Invested Capital (11.93%) 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 | 3.53% | ||
| 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
- The Profit Margin of PMTS (2.79%) is better than 71.43% of its industry peers.
- PMTS's Profit Margin has been stable in the last couple of years.
- PMTS's Operating Margin of 10.18% is amongst the best of the industry. PMTS outperforms 82.86% of its industry peers.
- PMTS's Operating Margin has improved in the last couple of years.
- The Gross Margin of PMTS (31.89%) 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 | 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
- 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.
- Compared to 5 years ago, PMTS has more shares outstanding
- Compared to 1 year ago, PMTS has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.20 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of PMTS (2.20) is better than 62.86% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 11.12 | ||
| Altman-Z | 2.2 |
ROIC/WACC1.61
WACC7.39%
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.
- Looking at the Current ratio, with a value of 2.56, PMTS is in the better half of the industry, outperforming 74.29% of the companies in the same industry.
- 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.
- The Quick ratio of PMTS (1.53) is better than 68.57% 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.
- PMTS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.48%.
- 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
- 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
- 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
- A Price/Earnings ratio of 11.45 indicates a reasonable valuation of PMTS.
- 94.29% of the companies in the same industry are more expensive than PMTS, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, PMTS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 5.80, the valuation of PMTS can be described as very cheap.
- 94.29% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, PMTS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 5.8 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 97.14% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, PMTS is valued cheaper than 94.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.64 | ||
| EV/EBITDA | 6.22 |
4.3 Compensation for Growth
- PMTS has a very decent profitability rating, which 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
- PMTS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:PMTS (1/16/2026, 8:00:01 PM)
13.74
-0.2 (-1.43%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)03-02 2026-03-02/bmo
Inst Owners27.86%
Inst Owner Change0%
Ins Owners4.88%
Ins Owner Change3.4%
Market Cap156.50M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target28.82 (109.75%)
Short Float %5.03%
Short Ratio4.62
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)0%
EPS NY rev (3m)-33.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 5.8 | ||
| P/S | 0.3 | ||
| P/FCF | 5.64 | ||
| P/OCF | 3.36 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.22 |
EPS(TTM)1.2
EY8.73%
EPS(NY)2.37
Fwd EY17.24%
FCF(TTM)2.44
FCFY17.72%
OCF(TTM)4.09
OCFY29.76%
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 | 2.2 |
F-Score4
WACC7.39%
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.
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%.