12.83 USD
-0.64 (-4.75%)
PMTS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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 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
- In the past year PMTS was profitable.
- PMTS had a positive operating cash flow in the past year.
- In the past 5 years PMTS has always been profitable.
- PMTS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- PMTS has a better Return On Assets (3.53%) 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 16.06%.
- 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
- PMTS has a Profit Margin of 2.79%. This is in the better half of the industry: PMTS outperforms 71.43% of its industry peers.
- PMTS's Profit Margin has been stable in the last couple of years.
- PMTS has a better Operating Margin (10.18%) than 82.86% of its industry peers.
- In the last couple of years the Operating Margin of PMTS has grown nicely.
- PMTS has a Gross Margin (31.89%) which is in line with its industry peers.
- 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.
- PMTS has less shares outstanding than it did 1 year ago.
- 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 2.20 indicates that PMTS is not a great score, but indicates only limited risk for bankruptcy at the moment.
- PMTS has a better Altman-Z score (2.20) than 62.86% of its industry peers.
- The Debt to FCF ratio of PMTS is 11.12, which is on the high side as it means it would take PMTS, 11.12 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 11.12, PMTS is in line with its industry, outperforming 57.14% of the companies in the same industry.
| 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.
- Looking at the Quick ratio, with a value of 1.53, PMTS is in the better half of the industry, outperforming 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.56 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
- The earnings per share for PMTS have decreased by -8.40% in the last year.
- 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
- PMTS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.21% yearly.
- 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
- 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 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 10.69.
- PMTS's Price/Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 94.29% of the companies in the same industry.
- PMTS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.60.
- With a Price/Forward Earnings ratio of 5.42, the valuation of PMTS can be described as very cheap.
- PMTS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PMTS is cheaper than 97.14% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of PMTS to the average of the S&P500 Index (25.83), we can say PMTS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.69 | ||
| Fwd PE | 5.42 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PMTS is valued cheaply inside the industry as 97.14% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PMTS indicates a rather cheap valuation: PMTS is cheaper than 94.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.27 | ||
| EV/EBITDA | 6.14 |
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 27.21% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.82%
EPS Next 3Y27.21%
5. Dividend
5.1 Amount
- No dividends for PMTS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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%.