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CPI Card Group Inc. PMTS
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 25.11
2.78 %
$ 283 M
Market Cap
15.89
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PMTS stock under the worst case scenario is HIDDEN Compared to the current market price of 25.1 USD, CPI Card Group Inc. is HIDDEN

PMTS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PMTS stock under the base case scenario is HIDDEN Compared to the current market price of 25.1 USD, CPI Card Group Inc. is HIDDEN

PMTS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PMTS stock under the best case scenario is HIDDEN Compared to the current market price of 25.1 USD, CPI Card Group Inc. is HIDDEN

PMTS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PMTS

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1M 15%
6M -28.0%
1Y -11%
3Y 50%
5Y 1068%
All
$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.0$22.0$22.0$20.0$20.0$18.0$18.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
481 M REVENUE
8.11%
Growth Rates
1Year 8.11%
3Years 8.61%
5Years 11.56%
7Years 9.48%
10Years 6.30%
62.8 M OPERATING INCOME
1.95%
Growth Rates
1Year 1.95%
3Years 1.83%
5Years 26.30%
7Years 27.47%
10Years 6.18%
19.5 M NET INCOME
-18.61%
Growth Rates
1Year -18.61%
3Years 6.99%
5Years 44.88%
7Years 16.35%
10Years 3.91%
43.3 M OPERATING CASH FLOW
27.24%
Growth Rates
1Year 27.24%
3Years 28.89%
5Years 72.44%
7Years 50.94%
10Years 4.99%
-9.22 M INVESTING CASH FLOW
-48.20%
Growth Rates
1Year -48.20%
3Years 2.40%
5Years -29.07%
7Years -0.69%
10Years 18.56%
-13 M FINANCING CASH FLOW
50.99%
Growth Rates
1Year 50.99%
3Years 35.02%
5Years -46.42%
7Years -7.37%
10Years -2.40%
123 M REVENUE
-1.87%
Growth Rates
1Year 8.11%
3Years 8.61%
5Years 11.56%
7Years 9.48%
10Years 6.30%
14.1 M OPERATING INCOME
-11.52%
Growth Rates
1Year 1.95%
3Years 1.83%
5Years 26.30%
7Years 27.47%
10Years 6.18%
4.77 M NET INCOME
-29.50%
Growth Rates
1Year -18.61%
3Years 6.99%
5Years 44.88%
7Years 16.35%
10Years 3.91%
5.59 M OPERATING CASH FLOW
-79.02%
Growth Rates
1Year 27.24%
3Years 28.89%
5Years 72.44%
7Years 50.94%
10Years 4.99%
-5.25 M INVESTING CASH FLOW
-4.54%
Growth Rates
1Year -48.20%
3Years 2.40%
5Years -29.07%
7Years -0.69%
10Years 18.56%
-2.37 M FINANCING CASH FLOW
13.78%
Growth Rates
1Year 50.99%
3Years 35.02%
5Years -46.42%
7Years -7.37%
10Years -2.40%
Balance Sheet CPI Card Group Inc.
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Current Assets 203 M
Cash & Short-Term Investments 33.5 M
Receivables 85.5 M
Other Current Assets 84 M
Non-Current Assets 147 M
Long-Term Investments 0
PP&E 68.6 M
Other Non-Current Assets 78 M
9.59 %24.45 %24.03 %19.63 %22.30 %Total Assets$349.7m
Current Liabilities 75.6 M
Accounts Payable 16.1 M
Short-Term Debt 9.06 M
Other Current Liabilities 50.4 M
Non-Current Liabilities 310 M
Long-Term Debt 280 M
Other Non-Current Liabilities 29.3 M
4.18 %13.08 %72.78 %7.60 %Total Liabilities$385.3m
EFFICIENCY
Earnings Waterfall CPI Card Group Inc.
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Revenue 481 M
Cost Of Revenue 309 M
Gross Profit 171 M
Operating Expenses 108 M
Operating Income 62.8 M
Other Expenses 43.3 M
Net Income 19.5 M
500m500m450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m00481m(309m)171m(108m)63m(43m)20mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
35.63% GROSS MARGIN
35.63%
Averages
1Year 35.63%
3Years 35.85%
5Years 36.12%
7Years 34.88%
10Years 34.29%
13.07% OPERATING MARGIN
13.07%
Averages
1Year 13.07%
3Years 14.52%
5Years 14.34%
7Years 11.50%
10Years 10.09%
4.06% NET MARGIN
4.06%
Averages
1Year 4.06%
3Years 5.71%
5Years 5.31%
7Years 1.48%
10Years 1.17%
-54.80% ROE
-54.80%
Averages
1Year -54.80%
3Years -48.50%
5Years -34.07%
7Years -20.35%
10Years -16.54%
5.58% ROA
5.58%
Averages
1Year 5.58%
3Years 8.69%
5Years 7.61%
7Years 2.57%
10Years 2.16%
17.30% ROIC
17.30%
Averages
1Year 17.30%
3Years 19.81%
5Years 20.08%
7Years 24.65%
10Years 19.28%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CPI Card Group Inc.
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50m50m40m40m30m30m20m20m10m10m00(10m)(10m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 19.5 M
Depreciation & Amortization 16.4 M
Capital Expenditures -9.26 M
Stock-Based Compensation 8.54 M
Change in Working Capital -7.54 M
Others 10.3 M
Free Cash Flow 34.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets CPI Card Group Inc.
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Wall Street analysts predict an average 1-year price target for PMTS of $35.2 , with forecasts ranging from a low of $33 to a high of $38 .
PMTS Lowest Price Target Wall Street Target
33 USD 31.42%
PMTS Average Price Target Wall Street Target
35.2 USD 40.38%
PMTS Highest Price Target Wall Street Target
38 USD 51.33%
Price
Max Price Target
Min Price Target
Average Price Target
38383636343432323030282826262424222220201818Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.225 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.0001.0000.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.2250.2250.2250.2250.2250.2250.900.452016201620172017
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership CPI Card Group Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
31.3 M USD 2
Bought
604 K USD 4
0-3 MONTHS
0 USD 0
3-6 MONTHS
82.8 K USD 2
6-9 MONTHS
50.5 K USD 1
9-12 MONTHS
7. News
CPI Card Group: Still Attractive After Q1 Profitability Lag CPI Card Group's Q1 results were quite weak. Good sales growth was offset by a significant decline in the gross margin. The 2025 guidance should be taken with some caution. The recent Arroweye acquisition is fair. While coming at an EV/EBITDA higher than CPI Card Group's own, sales and cost synergies should offset the fact. After the stock's crash, PMTS stock is very attractively priced. I estimate a 65% upside to $33.00. seekingalpha.com - 1 month ago
New Strong Sell Stocks for May 12th E, CAL and PMTS have been added to the Zacks Rank #5 (Strong Sell) List on May 12, 2025. zacks.com - 1 month ago
CPI Card Group Inc. (PMTS) Q1 2025 Earnings Call Transcript CPI Card Group Inc. (NASDAQ:PMTS ) Q1 2025 Earnings Call Transcript May 7, 2025 9:00 AM ET Company Participants Mike Salop - Head, Investor Relations John Lowe - President and Chief Executive Officer Jeff Hochstadt - Chief Financial Officer Conference Call Participants Peter James Heckmann - D.A. Davidson & Co., Jacob Stephan - Lake Street Capital Markets Craig Irwin - ROTH Capital Partners Operator Welcome to CPI Card Group's First Quarter 2025 Earnings Call. seekingalpha.com - 1 month ago
CPI Card Group Inc. (PMTS) Lags Q1 Earnings Estimates CPI Card Group Inc. (PMTS) came out with quarterly earnings of $0.40 per share, missing the Zacks Consensus Estimate of $0.56 per share. This compares to earnings of $0.46 per share a year ago. zacks.com - 2 months ago
CPI Card Group Inc. Announces Acquisition of Arroweye Solutions, Inc. LITTLETON, Colo.--(BUSINESS WIRE)--CPI Card Group Inc. Announces Acquisition of Arroweye Solutions, Inc. businesswire.com - 2 months ago
CPI Card Group Inc. Reports First Quarter 2025 Results LITTLETON, Colo.--(BUSINESS WIRE)--CPI Card Group Inc. Reports First Quarter 2025 Results. businesswire.com - 2 months ago
CPI Card Group Inc. to Release First Quarter 2025 Results on May 7, 2025 LITTLETON, Colo.--(BUSINESS WIRE)--CPI Card Group Inc. To Release First Quarter 2025 Results on May 7, 2025. businesswire.com - 2 months ago
3 Reasons Why Growth Investors Shouldn't Overlook CPI Card Group (PMTS) CPI Card Group (PMTS) could produce exceptional returns because of its solid growth attributes. zacks.com - 4 months ago
Wall Street Analysts Predict a 27.45% Upside in CPI Card Group (PMTS): Here's What You Should Know The average of price targets set by Wall Street analysts indicates a potential upside of 27.5% in CPI Card Group (PMTS). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock. zacks.com - 4 months ago
CPI Card Group: Fair Q4 Earnings, And A Good 2025 Ahead CPI Card Group reported strong Q4 revenue growth, but profitability again slightly declined due to up-front operating expenses to support future earnings growth. The company guides for mid-to-high single-digit growth in revenues and adjusted EBITDA through 2025, in line with expectations. Positively, earnings growth is guided to converge with topline growth. I still estimate PMTS stock to be undervalued with 37% upside to a fair value of $40.9. seekingalpha.com - 4 months ago
CPI Card Group Inc. (PMTS) Q4 2024 Earnings Call Transcript CPI Card Group Inc. (NASDAQ:PMTS ) Q4 2024 Earnings Conference Call March 4, 2025 9:00 AM ET Company Participants Mike Salop - Head, Investor Relations John Lowe - President and Chief Executive Officer Jeff Hochstadt - Chief Financial Officer Conference Call Participants Andrew Scutt - ROTH Capital Partners Jacob Stephan - Lake Street Capital Markets. Hal Goetsch - B. seekingalpha.com - 4 months ago
CPI Card Group Inc. (PMTS) Tops Q4 Earnings and Revenue Estimates CPI Card Group Inc. (PMTS) came out with quarterly earnings of $0.57 per share, beating the Zacks Consensus Estimate of $0.55 per share. This compares to earnings of $0.23 per share a year ago. zacks.com - 4 months ago
8. Profile Summary

CPI Card Group Inc. PMTS

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 283 M
Dividend Yield 0.00%
Description CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces financial payment cards and provides integrated card services to card-issuing banks. Its products include Europay, Mastercard, And Visa (EMV) and non-EMV financial payment cards and metal cards, as well as private label credit cards. This segment also provides on-demand services and various integrated card services, including card personalization and fulfillment, and instant issuance services. The Prepaid Debit segment primarily offers integrated card services comprising tamper-evident security packaging services to prepaid debit card providers. It also produces financial payment cards issued on the networks of the payment card brands. It serves issuers of debit and credit cards, Prepaid Debit Card program managers, community banks, credit unions, group service providers, and card transaction processors in the United States. The company was formerly known as CPI Holdings I, Inc. and changed its name to CPI Card Group Inc. in August 2015. CPI Card Group Inc. was incorporated in 2007 and is based in Littleton, Colorado.
Contact 10368 West Centennial Road, Littleton, CO, 80127 https://www.cpicardgroup.com
IPO Date Oct. 8, 2015
Employees 1500
Officers Ms. Donna Abbey Carmignani Chief Accounting Officer & Controller Ms. Sonya Vollmer Chief Human Resources Officer Mr. Jeffrey A. Hochstadt Chief Financial Officer Ms. Toni Thompson Executive Vice President of Debit & Credit Solutions Ms. Beth Starkey Chief Marketing Officer Mr. Michael A. Salop Head of Investor Relations Mr. Darren A. Dragovich Chief Legal & Compliance Officer and Secretary Mr. Ernesto Boada Chief Information Officer Ms. Sarah Elizabeth Williams Chief Technology Officer Mr. John D. Lowe CFA, CPA President, Chief Executive Officer & Director