15.82 USD
+1.54 (+10.78%)
16.5 USD
+0.68 (+4.3%)
We assign a fundamental rating of 6 out of 10 to PMTS. 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 may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make PMTS suitable for value investing!
1. Profitability
1.1 Basic Checks
PMTS had positive earnings in the past year.
In the past year PMTS had a positive cash flow from operations.
PMTS had positive earnings in each of the past 5 years.
Each year in the past 5 years PMTS had a positive operating cash flow.
1.2 Ratios
PMTS has a better Return On Assets (3.53%) than 71.43% of its industry peers.
With a decent Return On Invested Capital value of 11.93%, PMTS is doing good in the industry, outperforming 77.14% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PMTS is significantly above the industry average of 15.30%.
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 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 62.86% of its industry peers.
PMTS's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 10.18%, PMTS is in the better half of the industry, outperforming 80.00% 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 (31.89%) which is comparable to the rest of the industry.
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
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.
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
PMTS has an Altman-Z score of 2.23. This is not the best score and indicates that PMTS is in the grey zone with still only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.23, PMTS perfoms like the industry average, outperforming 60.00% 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 | 2.23 |
ROIC/WACC1.6
WACC7.45%
2.3 Liquidity
A Current Ratio of 2.56 indicates that PMTS has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.56, PMTS is doing good in the industry, outperforming 71.43% 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.
PMTS has a Quick ratio of 1.53. This is in the better half of the industry: PMTS outperforms 65.71% of its industry peers.
| 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.
PMTS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.51% yearly.
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
PMTS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.21% yearly.
Based on estimates for the next years, PMTS will show a quite strong growth in Revenue. The Revenue will grow by 9.25% on average per year.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
PMTS is valuated correctly with a Price/Earnings ratio of 13.18.
Based on the Price/Earnings ratio, PMTS is valued cheaply inside the industry as 88.57% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.49, PMTS is valued rather cheaply.
The Price/Forward Earnings ratio is 6.68, which indicates a rather cheap valuation of PMTS.
91.43% of the companies in the same industry are more expensive than PMTS, based on the Price/Forward Earnings ratio.
PMTS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 6.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PMTS is valued cheaply inside the industry as 100.00% 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 91.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.5 | ||
| EV/EBITDA | 6.51 |
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 | N/A |
15.82
+1.54 (+10.78%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupTechnology Hardware & Equipment
GICS IndustryTechnology Hardware, Storage & Peripherals
Earnings (Last)
Earnings (Next)
Inst Owners28.2%
Inst Owner Change-6.27%
Ins Owners2.91%
Ins Owner Change8.86%
Market Cap180.19M
Revenue(TTM)515.58M
Net Income(TTM)14.37M
Analysts82
Price Target28.82 (82.17%)
Short Float %4.01%
Short Ratio4.17
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)-16.91%
PT rev (3m)-16.91%
EPS NQ rev (1m)-36.74%
EPS NQ rev (3m)-30.06%
EPS NY rev (1m)-33.16%
EPS NY rev (3m)-38.89%
Revenue NQ rev (1m)-0.73%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)-0.99%
Revenue NY rev (3m)-0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 6.68 | ||
| P/S | 0.35 | ||
| P/FCF | 6.5 | ||
| P/OCF | 3.87 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.51 |
EPS(TTM)1.2
EY7.59%
EPS(NY)2.37
Fwd EY14.97%
FCF(TTM)2.44
FCFY15.39%
OCF(TTM)4.09
OCFY25.85%
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 | 2.23 |
F-Score4
WACC7.45%
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)-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.
Can you provide the valuation status for CPI CARD GROUP INC?
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.
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 decline by -26.59% 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%.