CPI CARD GROUP INC (PMTS) Stock Fundamental Analysis
USA - NASDAQ:PMTS - US12634H2004 - Common Stock
14.03 USD
+0.07 (+0.5%)
14.03 USD
0 (0%)
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. PMTS scores excellent on profitability, but there are some minor concerns on its financial health. PMTS scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes PMTS very considerable 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.
In the past 5 years PMTS has always been profitable.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
The Return On Assets of PMTS (3.53%) is better than 74.29% of its industry peers.
Looking at the Return On Invested Capital, with a value of 11.93%, PMTS is in the better half of the industry, outperforming 77.14% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PMTS is above the industry average of 16.28%.
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
PMTS has a better Profit Margin (2.79%) than 65.71% of its industry peers.
PMTS's Profit Margin has been stable in the last couple of years.
PMTS has a Operating Margin of 10.18%. This is in the better half of the industry: PMTS outperforms 80.00% of its industry peers.
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 60.00% of its industry peers.
In the last couple of years the Gross Margin of PMTS has grown nicely.
| 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
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 less shares outstanding than it did 1 year ago.
The number of shares outstanding for PMTS has been increased compared to 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 2.20 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.20, PMTS is doing good in the industry, outperforming 62.86% 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 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/WACC1.62
WACC7.38%
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 74.29% 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.
PMTS has a better Quick ratio (1.53) 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%.
Measured over the past 5 years, PMTS shows a small growth in Earnings Per Share. The EPS has been growing by 6.51% on average per year.
PMTS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.48%.
The Revenue has been growing by 11.56% on average over the past years. This is quite good.
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 28.97% on average over the next years. This is a very strong growth
Based on estimates for the next years, PMTS will show a quite strong growth in Revenue. The Revenue will grow by 9.43% on average per year.
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
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
PMTS is valuated reasonably with a Price/Earnings ratio of 11.69.
Based on the Price/Earnings ratio, PMTS is valued cheaper than 94.29% of the companies in the same industry.
When comparing the Price/Earnings ratio of PMTS to the average of the S&P500 Index (26.34), we can say PMTS is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.60, 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 91.43% of the companies are valued more expensively.
PMTS is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.69 | ||
| Fwd PE | 4.6 |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than PMTS, based on the Enterprise Value to EBITDA ratio.
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 | 5.74 | ||
| EV/EBITDA | 6.21 |
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)1.19
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 |
14.03
+0.07 (+0.5%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners30.37%
Inst Owner Change2.44%
Ins Owners2.78%
Ins Owner Change3%
Market Cap159.10M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target34.68 (147.18%)
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)-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)-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 | 11.69 | ||
| Fwd PE | 4.6 | ||
| P/S | 0.31 | ||
| P/FCF | 5.74 | ||
| P/OCF | 3.42 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.21 |
EPS(TTM)1.2
EY8.55%
EPS(NY)3.05
Fwd EY21.74%
FCF(TTM)2.45
FCFY17.43%
OCF(TTM)4.11
OCFY29.27%
SpS45.47
BVpS-2.26
TBVpS-8.47
PEG (NY)1.19
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
WACC7.38%
ROIC/WACC1.62
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 Y9.83%
EPS Next 2Y35.95%
EPS Next 3Y28.97%
EPS Next 5YN/A
Revenue 1Y (TTM)12.48%
Revenue growth 3Y8.61%
Revenue growth 5Y11.56%
Sales Q2Q%10.59%
Revenue Next Year13.67%
Revenue Next 2Y12.1%
Revenue Next 3Y9.43%
Revenue Next 5YN/A
EBIT growth 1Y-8.55%
EBIT growth 3Y1.87%
EBIT growth 5Y27.41%
EBIT Next Year54.42%
EBIT Next 3Y24.37%
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.
Can you provide the valuation status for CPI CARD GROUP INC?
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.
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%.