CPI CARD GROUP INC (PMTS) Fundamental Analysis & Valuation

NASDAQ:PMTS • US12634H2004

15.78 USD
+0.29 (+1.91%)
At close: Mar 10, 2026
15.78 USD
0 (0%)
After Hours: 3/10/2026, 4:30:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This PMTS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

PMTS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 37 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 is valued quite cheap, but it does not seem to be growing. With these ratings, PMTS could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

7

1. PMTS Profitability Analysis

1.1 Basic Checks

  • PMTS had positive earnings in the past year.
  • PMTS had a positive operating cash flow in the past year.
  • PMTS had positive earnings in 4 of the past 5 years.
  • Of the past 5 years PMTS 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

1.2 Ratios

  • With a decent Return On Assets value of 3.53%, PMTS is doing good in the industry, outperforming 75.68% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 11.93%, PMTS is in the better half of the industry, outperforming 78.38% 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 above the industry average of 15.91%.
  • The 3 year average ROIC (20.36%) for PMTS is well above the current ROIC(11.93%). The reason for the recent decline needs to be investigated.
Industry RankSector 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%
PMTS Yearly ROA, ROE, ROICPMTS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.79%, PMTS is in the better half of the industry, outperforming 70.27% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PMTS has remained more or less at the same level.
  • Looking at the Operating Margin, with a value of 10.18%, PMTS belongs to the top of the industry, outperforming 81.08% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PMTS has grown nicely.
  • PMTS has a Gross Margin of 31.89%. This is comparable to the rest of the industry: PMTS outperforms 59.46% of its industry peers.
  • PMTS's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
PMTS Yearly Profit, Operating, Gross MarginsPMTS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PMTS Health Analysis

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.
  • PMTS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PMTS Yearly Shares OutstandingPMTS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
PMTS Yearly Total Debt VS Total AssetsPMTS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • An Altman-Z score of 2.23 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 2.23, PMTS is in the better half of the industry, outperforming 64.86% of the companies in the same industry.
  • 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's Debt to FCF ratio of 11.12 is in line compared to the rest of the industry. PMTS outperforms 59.46% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 11.12
Altman-Z 2.23
ROIC/WACC1.6
WACC7.44%
PMTS Yearly LT Debt VS Equity VS FCFPMTS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

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.
  • PMTS's Current ratio of 2.56 is fine compared to the rest of the industry. PMTS outperforms 72.97% of its industry peers.
  • 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.
  • With a decent Quick ratio value of 1.53, PMTS is doing good in the industry, outperforming 64.86% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.56
Quick Ratio 1.53
PMTS Yearly Current Assets VS Current LiabilitesPMTS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PMTS Growth Analysis

3.1 Past

  • PMTS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.15%.
  • PMTS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -23.28% yearly.
EPS 1Y (TTM)-15.15%
EPS 3Y-23.28%
EPS 5YN/A
EPS Q2Q%35.09%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.35%

3.2 Future

  • The Earnings Per Share is expected to grow by 55.76% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, PMTS will show a small growth in Revenue. The Revenue will grow by 7.65% on average per year.
EPS Next Y69.21%
EPS Next 2Y55.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.51%
Revenue Next 2Y7.65%
Revenue Next 3YN/A
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.
PMTS Yearly Revenue VS EstimatesPMTS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
PMTS Yearly EPS VS EstimatesPMTS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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Find the best growth stocksShow best growing peers

9

4. PMTS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.27, the valuation of PMTS can be described as very reasonable.
  • 91.89% 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 26.45, PMTS is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.66 indicates a rather cheap valuation of PMTS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 89.19% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.65, PMTS is valued rather cheaply.
Industry RankSector Rank
PE 11.27
Fwd PE 6.66
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

  • PMTS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PMTS is cheaper than 97.30% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 91.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.48
EV/EBITDA 6.46
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PMTS has a very decent profitability rating, which may justify a higher PE ratio.
  • PMTS's earnings are expected to grow with 55.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y55.76%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PMTS Dividend Analysis

5.1 Amount

  • No dividends for PMTS!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

PMTS Fundamentals: All Metrics, Ratios and Statistics

CPI CARD GROUP INC

NASDAQ:PMTS (3/10/2026, 4:30:13 PM)

After market: 15.78 0 (0%)

15.78

+0.29 (+1.91%)

Chartmill FA Rating
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)03-05
Earnings (Next)05-05
Inst Owners27.86%
Inst Owner Change-0.78%
Ins Owners4.88%
Ins Owner Change2.98%
Market Cap179.73M
Revenue(TTM)N/A
Net Income(TTM)14.37M
Analysts82
Price Target28.82 (82.64%)
Short Float %3.34%
Short Ratio6.41
Dividend
Industry RankSector 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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.27
Fwd PE 6.66
P/S 0.35
P/FCF 6.48
P/OCF 3.86
P/B N/A
P/tB N/A
EV/EBITDA 6.46
EPS(TTM)1.4
EY8.87%
EPS(NY)2.37
Fwd EY15.01%
FCF(TTM)2.44
FCFY15.43%
OCF(TTM)4.09
OCFY25.91%
SpS45.27
BVpS-2.25
TBVpS-8.43
PEG (NY)0.16
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 2.23
F-Score4
WACC7.44%
ROIC/WACC1.6
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)-15.15%
EPS 3Y-23.28%
EPS 5YN/A
EPS Q2Q%35.09%
EPS Next Y69.21%
EPS Next 2Y55.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.35%
Revenue Next Year8.51%
Revenue Next 2Y7.65%
Revenue Next 3YN/A
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 5 / 10 to PMTS.


What is the valuation status of CPI CARD GROUP INC (PMTS) stock?

ChartMill assigns a valuation rating of 9 / 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%.