CPI Card Group Inc.(PMTS)Earnings, Financials & Key Ratios

PMTS•NASDAQ

$20.38

16.3× P/E·Price updated Jun 27, 2026

SectorFinancial Services IndustryCredit Services Sub-IndustryPayment Networks and Merchant Acquiring

AboutCPI 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.Show more

EBITDA$77M-2.4%
Net Income$15M-23.4%
EPS (Diluted)1.25-23.8%
Gross Margin31.29%-12.2%
EBITDA Margin14.22%-13.7%
Operating Margin10.09%-22.8%
Net Margin2.75%-32.3%

PMTS Price & Volume

CPI Card Group Inc. (PMTS) stock price & volume — 10-year historical chart

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Revenue Growth Challenges Persistent Structural Margin Compression

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Accelerating

Profitability:Strained

Financial:Strained

Cash Flow:Mixed

Primary Risk:Physical card obsolescence risk

Key Thesis Takeaways

CPI Card Group demonstrates consistent revenue scaling, growing from $102.9 million in 2023Q4 to $147.1 million in 2026Q1, yet this top-line momentum is increasingly offset by gross margin contraction from 35.9% to 30.0% over the same period.
The company's reliance on external financing to manage a persistent negative equity position of -$14.0 million creates significant structural risk in an industry facing long-term physical card obsolescence.
Investors should monitor whether the company can improve its operating income, which reached only $11.0 million in 2026Q1, before committing capital to this highly leveraged manufacturing model.

Verdict Logic

while the stock trades at a forward P/E of 8.75, the combination of negative equity and a 17.67x debt-to-EBITDA ratio suggests that the company's long-term solvency remains a significant concern for potential investors.

PMTS Growth Metrics

CPI Card Group Inc. (PMTS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years3.81%

5 Years11.73%

3 Years4.54%

TTM-

Profit CAGR

10 Years-6.99%

5 Years-1.51%

3 Years-25.76%

TTM-35.07%

EPS CAGR

10 Years-

5 Years-2.79%

3 Years-26.2%

TTM-35.64%

Return on Capital

10 Years17.5%

5 Years26.85%

3 Years22.92%

Last Year18.49%

PMTS Recent Earnings

CPI Card Group Inc. (PMTS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 6/12 qtrs (50%)●Beat Revenue 8/12 qtrs (67%)

Q2 2026Latest

May 5, 2026

Metric

Actual

Est

EPS

$0.38+58.3%

$0.24

Rev

$147M+9.2%

$135M

Q2 2026

Mar 5, 2026

Metric

Actual

Est

EPS

$0.77+54.0%

$0.50

Rev

$153M+5.4%

$145M

Q4 2025

Nov 4, 2025

Metric

Actual

Est

EPS

$0.47-25.4%

$0.63

Rev

$138M-5.0%

$145M

Q3 2025

Aug 8, 2025

Metric

Actual

Est

EPS

$0.04-92.9%

$0.56

Rev

$130M-8.5%

$142M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 5, 2026	$0.38vs $0.24+58.3%	$147Mvs $135M+9.2%
Q2 2026	Mar 5, 2026	$0.77vs $0.50+54.0%	$153Mvs $145M+5.4%
Q4 2025	Nov 4, 2025	$0.47vs $0.63-25.4%	$138Mvs $145M-5.0%
Q3 2025	Aug 8, 2025	$0.04vs $0.56-92.9%	$130Mvs $142M-8.5%

Based on last 12 quarters of dataView full earnings history →

Latest PMTS News

Recent stock market news and headlines for CPI Card Group Inc. (PMTS)

GuruFocus·5 days ago

CPI Expands Proprietary Technology Platform with Acquisition of TRISM Business

[url="]CPI[/url]TM (NASDAQ: PMTS), a payments technology leader providing a comprehensive range of physical and digital payment solutions, today announced it h

Business Wire·5 days ago

CPI Expands Proprietary Technology Platform with Acquisition of TRISM Business

DENVER--(BUSINESS WIRE)--CPI Expands Proprietary Technology Platform with Acquisition of TRISM Business.

Peers Comparison

Key metrics vs top competitors for CPI Card Group Inc. (PMTS)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
PMTSCPI Card Group Inc.Current	$20.38	$233.87M	16.30	13.09%	2.75%	—	—
IDCCInterDigital, Inc.	$275.86	$7.1B	23.38	-3.97%	44.2%	33.37%	—
CASSCass Information Systems, Inc.	$51.57	$663.77M	19.76	-13.1%	17.39%	14.44%	—
EVTCEVERTEC, Inc.	$27.37	$1.69B	12.44	10.21%	13.95%	18.65%	—
PRTHPriority Technology Holdings, Inc.	$7.31	$602.02M	10.75	8.33%	5.85%	—	—
FORMFormFactor, Inc.	$130.74	$10.19B	189.48	2.8%	8.14%	6.68%	—

Compare PMTS vs Peers

CPI Card Group Inc. (PMTS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IDCC

Most directly comparable listed peer for PMTS.

Scale Benchmark

vs V

Larger-name benchmark to compare PMTS against a more recognizable public peer.

Peer Set

Compare Top 5

vs IDCC, CASS, EVTC, PRTH

PMTS SEC Filings & Documents

CPI Card Group Inc. (PMTS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 5, 2026·SEC

Material company update

Mar 5, 2026·SEC

Material company update

Feb 17, 2026·SEC

10-K Annual Reports

FY 2026

Mar 5, 2026·SEC

FY 2025

Mar 4, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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PMTS Frequently Asked Questions

CPI Card Group Inc. (PMTS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

What is CPI Card Group Inc.'s revenue?

CPI Card Group Inc. (PMTS) reported $567.9M in revenue for fiscal year 2025.

How fast is CPI Card Group Inc. growing?

CPI Card Group Inc. (PMTS) grew revenue by 13.1% over the past year. This is steady growth.

Is PMTS profitable?

Yes, CPI Card Group Inc. (PMTS) is profitable, generating $12.2M in net income for fiscal year 2025 (2.8% net margin).

Dividend & Returns

What is CPI Card Group Inc.'s free cash flow?

CPI Card Group Inc. (PMTS) generated $51.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in PMTS back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

May 5, 2026

$0.38vs $0.24+58.3%

$147Mvs $135M+9.2%

Q2 2026

Mar 5, 2026

$0.77vs $0.50+54.0%

$153Mvs $145M+5.4%

Q4 2025

Nov 4, 2025

$0.47vs $0.63-25.4%

$138Mvs $145M-5.0%

Q3 2025

Aug 8, 2025

$0.04vs $0.56-92.9%

$130Mvs $142M-8.5%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

PMTSCPI Card Group Inc.Current

$20.38

$233.87M

16.30

13.09%

2.75%

—

IDCCInterDigital, Inc.

$275.86

$7.1B

23.38

-3.97%

44.2%

33.37%

—

CASSCass Information Systems, Inc.

$51.57

$663.77M

19.76

-13.1%

17.39%

14.44%

—

EVTCEVERTEC, Inc.

$27.37

$1.69B

12.44

10.21%

13.95%

18.65%

—

PRTHPriority Technology Holdings, Inc.

$7.31

$602.02M

10.75

8.33%

5.85%

—

FORMFormFactor, Inc.

$130.74

$10.19B

189.48

2.8%

8.14%

6.68%

—