8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Mar 5, 2026·SEC
Material company update
Feb 17, 2026·SEC
CPI Card Group Inc.(PMTS)Earnings, Financials & Key Ratios
PMTS•NASDAQ
$20.38
16.3× P/E·Price updated Jun 27, 2026
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 Position:Strained
Cash Flow:Mixed
Primary Risk:Physical card obsolescence risk
"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
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$0.38+58.3%
$0.24
Rev
$147M+9.2%
$135M
Q2 2026
Mar 5, 2026Metric
Actual
Est
EPS
$0.77+54.0%
$0.50
Rev
$153M+5.4%
$145M
Q4 2025
Nov 4, 2025Metric
Actual
Est
EPS
$0.47-25.4%
$0.63
Rev
$138M-5.0%
$145M
Q3 2025
Aug 8, 2025Metric
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 →
Peers Comparison
Key metrics vs top competitors for CPI Card Group Inc. (PMTS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $20.38 | $233.87M | 16.30 | 13.09% | 2.75% | — | — | |
| $275.86 | $7.1B | 23.38 | -3.97% | 44.2% | 33.37% | — | |
| $51.57 | $663.77M | 19.76 | -13.1% | 17.39% | 14.44% | — | |
| $27.37 | $1.69B | 12.44 | 10.21% | 13.95% | 18.65% | — | |
| $7.31 | $602.02M | 10.75 | 8.33% | 5.85% | — | — | |
| $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.
PMTS SEC Filings & Documents
CPI Card Group Inc. (PMTS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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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.