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CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis

NASDAQ:PMTS - Nasdaq - US12634H2004 - Common Stock - Currency: USD

30.42  -0.92 (-2.94%)

After market: 30.42 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to PMTS. PMTS was compared to 32 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 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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7

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.
Of the past 5 years PMTS 4 years were profitable.
PMTS had a positive operating cash flow in each of the past 5 years.
PMTS Yearly Net Income VS EBIT VS OCF VS FCFPMTS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M -20M 40M 60M

1.2 Ratios

The Return On Assets of PMTS (4.52%) is better than 70.97% of its industry peers.
PMTS's Return On Invested Capital of 15.46% is fine compared to the rest of the industry. PMTS outperforms 77.42% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is above the industry average of 18.10%.
The last Return On Invested Capital (15.46%) for PMTS is well below the 3 year average (21.37%), which needs to be investigated, but indicates that PMTS had better years and this may not be a problem.
Industry RankSector Rank
ROA 4.52%
ROE N/A
ROIC 15.46%
ROA(3y)8.8%
ROA(5y)6.01%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)21.37%
ROIC(5y)17.03%
PMTS Yearly ROA, ROE, ROICPMTS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 -40

1.3 Margins

PMTS's Profit Margin of 3.38% is fine compared to the rest of the industry. PMTS outperforms 61.29% of its industry peers.
In the last couple of years the Profit Margin of PMTS has grown nicely.
With an excellent Operating Margin value of 12.52%, PMTS belongs to the best of the industry, outperforming 80.65% of the companies in the same industry.
PMTS's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 35.78%, PMTS is in the better half of the industry, outperforming 70.97% of the companies in the same industry.
PMTS's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 12.52%
PM (TTM) 3.38%
GM 35.78%
OM growth 3Y4.05%
OM growth 5Y44.63%
PM growth 3Y1.52%
PM growth 5YN/A
GM growth 3Y-0.33%
GM growth 5Y2.62%
PMTS Yearly Profit, Operating, Gross MarginsPMTS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 30

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5

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 more shares outstanding
PMTS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PMTS has an improved debt to assets ratio.
PMTS Yearly Shares OutstandingPMTS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
PMTS Yearly Total Debt VS Total AssetsPMTS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

2.2 Solvency

An Altman-Z score of 2.68 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
PMTS has a Altman-Z score of 2.68. This is in the better half of the industry: PMTS outperforms 64.52% of its industry peers.
PMTS has a debt to FCF ratio of 11.72. This is a negative value and a sign of low solvency as PMTS would need 11.72 years to pay back of all of its debts.
PMTS has a Debt to FCF ratio (11.72) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 11.72
Altman-Z 2.68
ROIC/WACC1.97
WACC7.86%
PMTS Yearly LT Debt VS Equity VS FCFPMTS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M -100M 200M 300M

2.3 Liquidity

A Current Ratio of 2.65 indicates that PMTS has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.65, PMTS is doing good in the industry, outperforming 74.19% of the companies in the same industry.
PMTS has a Quick Ratio of 1.42. 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 (1.42) is better than 61.29% of its industry peers.
Industry RankSector Rank
Current Ratio 2.65
Quick Ratio 1.42
PMTS Yearly Current Assets VS Current LiabilitesPMTS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

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4

3. Growth

3.1 Past

PMTS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.48%.
PMTS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.81% yearly.
The Revenue has decreased by -2.10% in the past year.
PMTS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.69% yearly.
EPS 1Y (TTM)-56.48%
EPS 3Y11.81%
EPS 5YN/A
EPS Q2Q%-77.55%
Revenue 1Y (TTM)-2.1%
Revenue growth 3Y12.5%
Revenue growth 5Y11.69%
Sales Q2Q%17.84%

3.2 Future

The Earnings Per Share is expected to grow by 17.65% on average over the next years. This is quite good.
Based on estimates for the next years, PMTS will show a small growth in Revenue. The Revenue will grow by 7.07% on average per year.
EPS Next Y-24.44%
EPS Next 2Y14.92%
EPS Next 3Y17.65%
EPS Next 5YN/A
Revenue Next Year6.55%
Revenue Next 2Y7.03%
Revenue Next 3Y7.07%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PMTS Yearly Revenue VS EstimatesPMTS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
PMTS Yearly EPS VS EstimatesPMTS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

PMTS is valuated rather expensively with a Price/Earnings ratio of 23.22.
PMTS's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (29.62), we can say PMTS is valued slightly cheaper.
With a Price/Forward Earnings ratio of 10.57, the valuation of PMTS can be described as very reasonable.
PMTS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PMTS is cheaper than 74.19% of the companies in the same industry.
PMTS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 23.22
Fwd PE 10.57
PMTS Price Earnings VS Forward Price EarningsPMTS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 87.10% of the companies listed in the same industry.
PMTS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PMTS is cheaper than 87.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.21
EV/EBITDA 8.21
PMTS Per share dataPMTS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

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 17.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.92%
EPS Next 3Y17.65%

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0

5. Dividend

5.1 Amount

PMTS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CPI CARD GROUP INC

NASDAQ:PMTS (2/21/2025, 8:00:01 PM)

After market: 30.42 0 (0%)

30.42

-0.92 (-2.94%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)11-05 2024-11-05/bmo
Earnings (Next)03-04 2025-03-04/amc
Inst Owners29.19%
Inst Owner Change-94.75%
Ins Owners1.77%
Ins Owner Change0.56%
Market Cap339.49M
Analysts82
Price Target37.23 (22.39%)
Short Float %1.23%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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)-46.14%
Min EPS beat(2)-78.99%
Max EPS beat(2)-13.3%
EPS beat(4)1
Avg EPS beat(4)-28.14%
Min EPS beat(4)-78.99%
Max EPS beat(4)10%
EPS beat(8)4
Avg EPS beat(8)22.34%
EPS beat(12)7
Avg EPS beat(12)26.03%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)4.38%
Min Revenue beat(2)4.35%
Max Revenue beat(2)4.41%
Revenue beat(4)3
Avg Revenue beat(4)2.74%
Min Revenue beat(4)-3.67%
Max Revenue beat(4)5.89%
Revenue beat(8)6
Avg Revenue beat(8)4.45%
Revenue beat(12)9
Avg Revenue beat(12)5.42%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.34%
EPS NQ rev (1m)1.75%
EPS NQ rev (3m)1.75%
EPS NY rev (1m)0%
EPS NY rev (3m)0.52%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.06%
Valuation
Industry RankSector Rank
PE 23.22
Fwd PE 10.57
P/S 0.74
P/FCF 14.21
P/OCF 11.94
P/B N/A
P/tB N/A
EV/EBITDA 8.21
EPS(TTM)1.31
EY4.31%
EPS(NY)2.88
Fwd EY9.46%
FCF(TTM)2.14
FCFY7.04%
OCF(TTM)2.55
OCFY8.37%
SpS41.07
BVpS-3.83
TBVpS-9.08
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.52%
ROE N/A
ROCE 21.48%
ROIC 15.46%
ROICexc 16.35%
ROICexgc 21.28%
OM 12.52%
PM (TTM) 3.38%
GM 35.78%
FCFM 5.21%
ROA(3y)8.8%
ROA(5y)6.01%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)21.37%
ROIC(5y)17.03%
ROICexc(3y)22.9%
ROICexc(5y)19.15%
ROICexgc(3y)33.68%
ROICexgc(5y)30.87%
ROCE(3y)29.69%
ROCE(5y)23.67%
ROICexcg growth 3Y-9.7%
ROICexcg growth 5Y32.36%
ROICexc growth 3Y1.63%
ROICexc growth 5Y47.19%
OM growth 3Y4.05%
OM growth 5Y44.63%
PM growth 3Y1.52%
PM growth 5YN/A
GM growth 3Y-0.33%
GM growth 5Y2.62%
F-Score4
Asset Turnover1.34
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 11.72
Debt/EBITDA 3.8
Cap/Depr 27.79%
Cap/Sales 0.99%
Interest Coverage 2.25
Cash Conversion 38.58%
Profit Quality 154.38%
Current Ratio 2.65
Quick Ratio 1.42
Altman-Z 2.68
F-Score4
WACC7.86%
ROIC/WACC1.97
Cap/Depr(3y)75.64%
Cap/Depr(5y)58.65%
Cap/Sales(3y)2.63%
Cap/Sales(5y)2.33%
Profit Quality(3y)72.01%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-56.48%
EPS 3Y11.81%
EPS 5YN/A
EPS Q2Q%-77.55%
EPS Next Y-24.44%
EPS Next 2Y14.92%
EPS Next 3Y17.65%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.1%
Revenue growth 3Y12.5%
Revenue growth 5Y11.69%
Sales Q2Q%17.84%
Revenue Next Year6.55%
Revenue Next 2Y7.03%
Revenue Next 3Y7.07%
Revenue Next 5YN/A
EBIT growth 1Y-22.23%
EBIT growth 3Y17.06%
EBIT growth 5Y61.53%
EBIT Next Year47.88%
EBIT Next 3Y20.13%
EBIT Next 5YN/A
FCF growth 1Y1157.48%
FCF growth 3Y22.81%
FCF growth 5YN/A
OCF growth 1Y63.16%
OCF growth 3Y15.65%
OCF growth 5Y57.43%