8-K Announcements
6May 5, 2026·SEC
Mar 5, 2026·SEC
Feb 17, 2026·SEC
CPI Card Group Inc. (PMTS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CPI Card Group Inc. (PMTS) stock price & volume — 10-year historical chart
CPI Card Group Inc. (PMTS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
CPI Card Group Inc. (PMTS) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.39vs $0.32+19.8% | $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% |
CPI Card Group Inc. (PMTS) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison
CPI Card Group Inc. (PMTS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPI Card Group Inc. (PMTS) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -20.85M | -23.43M | -24.89M | -25.4M | -30.61M | -29.62M | -26.91M | -34.09M | -32.47M | -32.44M |
| NII Growth % | -4.02% | -12.38% | -6.23% | -2.03% | -20.52% | 3.24% | 9.13% | -26.66% | 4.76% | 31.58% |
| Net Interest Margin % | -8.91% | -11.31% | -11.69% | -9.54% | -11.41% | -9.98% | -9.16% | -9.75% | -8.05% | -8.39% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 20.85M | 23.43M | 24.89M | 25.4M | 30.61M | 29.62M | 26.91M | 34.09M | 32.47M | 32.44M |
| Loan Loss Provision | 134.69M | 153.79M | 162.11M | 176.48M | 203.09M | 270.36M | 262.14M | 275.3M | 340.97M | 361.92M |
| Non-Interest Income | 223.74M | 255.81M | 278.07M | 312.19M | 375.12M | 475.75M | 444.55M | 480.6M | 543.53M | 567.88M |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 223.74M▲ 0% | 255.81M▲ 14.3% | 278.07M▲ 8.7% | 312.19M▲ 12.3% | 375.12M▲ 20.2% | 475.75M▲ 26.8% | 444.55M▼ 6.6% | 480.6M▲ 8.1% | 543.53M▲ 13.1% | 567.88M▲ 0% |
| Revenue Growth % | -27.52% | 14.33% | 8.7% | 12.27% | 20.16% | 26.83% | -6.56% | 8.11% | 13.09% | 61.98% |
| Non-Interest Expense | 87.5M | 74M | 66.36M | 71.92M | 81.96M | 96.64M | 93.9M | 108.43M | 115.25M | 121.79M |
| Efficiency Ratio | 39.11% | 28.93% | 23.86% | 23.04% | 21.85% | 20.31% | 21.12% | 22.56% | 21.2% | 21.45% |
| Operating Income | -19.3M▲ 0% | 4.59M▲ 123.8% | 24.71M▲ 438.6% | 38.39M▲ 55.4% | 59.46M▲ 54.9% | 79.13M▲ 33.1% | 61.59M▼ 22.2% | 62.79M▲ 2.0% | 54.84M▼ 12.7% | 51.73M▲ 0% |
| Operating Margin % | -8.63% | 1.79% | 8.89% | 12.3% | 15.85% | 16.63% | 13.85% | 13.07% | 10.09% | 9.11% |
| Operating Income Growth % | -166.59% | 123.77% | 438.6% | 55.36% | 54.89% | 33.07% | -22.17% | 1.95% | -12.66% | - |
| Pretax Income | -39.62M▲ 0% | -19.14M▲ 51.7% | -1.52M▲ 92.1% | 12.88M▲ 948.3% | 23.82M▲ 84.9% | 49.15M▲ 106.3% | 34.46M▼ 29.9% | 25.03M▼ 27.4% | 21.61M▼ 13.7% | 18.54M▲ 0% |
| Pretax Margin % | -17.71% | -7.48% | -0.55% | 4.13% | 6.35% | 10.33% | 7.75% | 5.21% | 3.98% | 3.26% |
| Income Tax | -16.54M | -4.34M | 3.47M | -3.31M | 7.88M | 12.61M | 10.48M | 5.51M | 6.66M | 6.15M |
| Effective Tax Rate % | 41.74% | 22.67% | -228.7% | -25.65% | 33.08% | 25.65% | 30.4% | 22% | 30.81% | 33.18% |
| Net Income | -22.01M▲ 0% | -37.46M▼ 70.2% | -5.12M▲ 86.3% | 16.13M▲ 415.2% | 15.94M▼ 1.2% | 36.54M▲ 129.2% | 23.98M▼ 34.4% | 19.52M▼ 18.6% | 14.95M▼ 23.4% | 12.23M▲ 0% |
| Net Margin % | -9.84% | -14.64% | -1.84% | 5.17% | 4.25% | 7.68% | 5.4% | 4.06% | 2.75% | 2.15% |
| Net Income Growth % | -507.67% | -70.2% | 86.34% | 415.2% | -1.17% | 129.22% | -34.36% | -18.61% | -23.42% | -35.07% |
| Net Income (Continuing) | -23.09M | -14.8M | -4.99M | 16.19M | 15.94M | 36.54M | 23.98M | 19.52M | 14.95M | 12.39M |
| EPS (Diluted) | -1.98▲ 0% | -3.36▼ 69.7% | -0.40▲ 88.1% | 1.44▲ 460.0% | 1.36▼ 5.6% | 3.11▲ 128.7% | 2.01▼ 35.4% | 1.64▼ 18.4% | 1.25▼ 23.8% | 1.03▲ 0% |
| EPS Growth % | -496% | -69.7% | 88.1% | 460% | -5.56% | 128.68% | -35.37% | -18.41% | -23.78% | -35.64% |
| EPS (Basic) | -1.98 | -3.36 | -0.40 | 1.44 | 1.42 | 3.24 | 2.10 | 1.75 | 1.32 | - |
| Diluted Shares Outstanding | 11.12M | 11.15M | 11.2M | 11.23M | 11.76M | 11.75M | 11.92M | 11.88M | 11.92M | 11.86M |
CPI Card Group Inc. (PMTS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 23.2M | 20.29M | 18.68M | 57.6M | 20.68M | 11.04M | 12.41M | 33.54M | 21.7M | 74.08M |
| Cash & Due from Banks | 23.2M | 20.29M | 18.68M | 57.6M | 20.68M | 11.04M | 12.41M | 33.54M | 21.7M | 19.3M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | -12.29M | -5.75M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | 42.21% | 53.21% | 100% | - | - | - | - | - | - | 0% |
| Long-Term Investments | -12.29M | -5.75M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 32.53M | 43.79M | 38.61M | 44.02M | 49.96M | 68.67M | 69M | 78.28M | 95.44M | 88.68M |
| Goodwill & Intangibles | 95.08M | 82.59M | 77.95M | 73.36M | 69M | 65.14M | 61.27M | 57.64M | 67.31M | 66.31M |
| Goodwill | 53.61M | 47.15M | 47.15M | 47.15M | 47.15M | 47.15M | 47.15M | 47.15M | 48.76M | 48.76M |
| Intangible Assets | 41.47M | 35.44M | 30.8M | 26.21M | 21.85M | 17.99M | 14.12M | 10.49M | 18.54M | 17.55M |
| PP&E (Net) | 49.3M | 39.11M | 41.61M | 39.4M | 47.25M | 57.18M | 63.05M | 68.65M | 108.43M | 106.68M |
| Other Assets | 248K | 1.03M | 1.23M | 857K | 6.18M | 6.78M | 3.98M | 20.32M | 22.51M | 24.58M |
| Total Current Assets | 89.37M | 84.47M | 92.22M | 152.53M | 145.7M | 167.57M | 165.38M | 203.04M | 204.94M | 188.89M |
| Total Non-Current Assets | 144.63M | 122.73M | 120.8M | 113.62M | 122.44M | 129.1M | 128.31M | 146.62M | 198.25M | 197.57M |
| Total Assets | 234M▲ 0% | 207.2M▼ 11.5% | 213.01M▲ 2.8% | 266.15M▲ 24.9% | 268.14M▲ 0.7% | 296.67M▲ 10.6% | 293.68M▼ 1.0% | 349.66M▲ 19.1% | 403.19M▲ 15.3% | 386.45M▲ 0% |
| Asset Growth % | -11.5% | -11.45% | 2.8% | 24.95% | 0.75% | 10.64% | -1.01% | 19.06% | 15.31% | 68.4% |
| Return on Assets (ROA) | -8.83% | -16.98% | -2.44% | 6.73% | 5.97% | 12.94% | 8.13% | 6.07% | 3.97% | 3.06% |
| Accounts Payable | 13.24M | 16.51M | 16.48M | 18.88M | 26.44M | 24.37M | 12.8M | 16.12M | 27.8M | 22.47M |
| Total Debt | 303.87M | 305.82M | 312.27M | 341.12M | 307.74M | 291.22M | 272.31M | 289.47M | 337.47M | 276.9M |
| Net Debt | 280.66M | 285.53M | 293.59M | 283.51M | 287.06M | 280.18M | 259.9M | 255.93M | 315.77M | 257.61M |
| Long-Term Debt | 303.87M | 305.82M | 307.78M | 328.68M | 303.63M | 285.52M | 265M | 280.4M | 286.67M | 276.9M |
| Short-Term Debt | 0 | 0 | 0 | 8.03M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 15.17M | 8.64M | 11.48M | 11.17M | 15.51M | 18.4M | 24.04M | 25.97M | 9.17M | 46.67M |
| Total Current Liabilities | 34.54M | 41.28M | 41.69M | 56.93M | 64.78M | 68.01M | 49.45M | 75.59M | 84.1M | 74.33M |
| Total Non-Current Liabilities | 319.04M | 315.5M | 325.62M | 347.26M | 324.38M | 310.73M | 296.17M | 309.69M | 336.43M | 326.13M |
| Total Liabilities | 353.58M | 356.78M | 367.31M | 404.19M | 389.16M | 378.74M | 345.62M | 385.28M | 420.52M | 400.46M |
| Total Equity | -119.57M▲ 0% | -149.58M▼ 25.1% | -154.3M▼ 3.2% | -138.04M▲ 10.5% | -121.02M▲ 12.3% | -82.08M▲ 32.2% | -51.94M▲ 36.7% | -35.62M▲ 31.4% | -17.33M▲ 51.3% | -14.01M▲ 0% |
| Equity Growth % | -25.51% | -25.09% | -3.16% | 10.54% | 12.33% | 32.18% | 36.72% | 31.41% | 51.34% | 179.09% |
| Equity / Assets (Capital Ratio) | -51.1% | -72.19% | -72.44% | -51.86% | -45.13% | -27.67% | -17.68% | -10.19% | -4.3% | -3.63% |
| Return on Equity (ROE) | - | - | - | - | - | - | - | - | - | -56.87% |
| Book Value per Share | -10.76 | -13.42 | -13.78 | -12.29 | -10.29 | -6.99 | -4.36 | -3.00 | -1.45 | -1.18 |
| Tangible BV per Share | -19.31 | -20.82 | -20.74 | -18.82 | -16.15 | -12.53 | -9.50 | -7.85 | -7.10 | -6.77 |
| Common Stock | 11K | 11K | 11K | 11K | 11K | 11K | 11K | 11K | 11K | 11K |
| Additional Paid-in Capital | -113.08M | -112.22M | -111.99M | -111.86M | -110.78M | -108.38M | -102.22M | -105.43M | -102.09M | 0 |
| Retained Earnings | -1.37M | -36M | -42.32M | -26.19M | -10.25M | 26.29M | 50.28M | 69.8M | 84.75M | 0 |
| Accumulated OCI | -5.14M | -1.36M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 138K | 360K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CPI Card Group Inc. (PMTS) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.43M | 3.52M | 2.84M | 22.01M | 20.23M | 31.34M | 34.04M | 43.31M | 59.5M | 59.5M |
| Operating CF Growth % | -95.95% | 45.03% | -19.29% | 674.87% | -8.11% | 54.91% | 8.63% | 27.24% | 37.38% | 119.34% |
| Net Income | -22.01M | -37.46M | -4.45M | 16.13M | 15.94M | 36.54M | 23.98M | 19.52M | 14.95M | 12.23M |
| Depreciation & Amortization | 16.92M | 18.41M | 17M | 16.83M | 15.1M | 14.89M | 15.93M | 16.42M | 18.11M | 18.21M |
| Deferred Taxes | -9.17M | -6.9M | 1.15M | 1.04M | -2.16M | 1.55M | 331K | -3.94M | 0 | 5.93M |
| Other Non-Cash Items | 18.76M | 21.36M | 3.44M | 5.29M | 7.63M | 3.5M | 1.44M | 10.3M | 12.16M | -1.4M |
| Working Capital Changes | -4.06M | 7.15M | -14.54M | -17.41M | -17.53M | -28.62M | -15.16M | -7.54M | 7.32M | 15.7M |
| Cash from Investing | -8.79M | -5.85M | -2.57M | -7.09M | -9.92M | -17.77M | -6.22M | -9.22M | -65.13M | -59.88M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.82M | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.82M | 0 |
| Acquisitions | 0 | 0 | 1.45M | 0 | 0 | 0 | 0 | 0 | -44.2M | -47.02M |
| Other Investing | -1.53M | -220K | 150K | 0 | 156K | 95K | 183K | 36K | -18.11M | 13K |
| Cash from Financing | -7.88M | -519K | -1.93M | 23.98M | -47.23M | -23.16M | -26.44M | -12.96M | -6.22M | -3.85M |
| Dividends Paid | -7.54M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -250K | -8.68M | 0 | -536K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | -250K | -8.68M | 0 | -536K |
| Debt Issuance (Net) | 0 | -519K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -2M |
| Other Financing | -341K | 0 | 0 | -2.51M | -12.31M | -1.94M | -368K | -16.16M | -1.98M | 10.63M |
| Net Change in Cash | -13.75M▲ 0% | -2.91M▲ 78.8% | -1.61M▲ 44.8% | 38.92M▲ 2519.0% | -36.92M▼ 194.9% | -9.65M▲ 73.9% | 1.38M▲ 114.3% | 21.13M▲ 1435.7% | -11.84M▼ 156.1% | -12.22M▲ 0% |
| Exchange Rate Effect | 494K | -61K | 50K | 23K | 1K | -47K | 0 | 0 | 0 | -2.4M |
| Cash at Beginning | 36.95M | 23.2M | 20.29M | 18.68M | 57.6M | 20.68M | 11.04M | 12.41M | 33.54M | 21.7M |
| Cash at End | 23.2M | 20.29M | 18.68M | 57.6M | 20.68M | 11.04M | 12.41M | 33.54M | 21.7M | 19.3M |
| Interest Paid | 18.47M | 0 | 23.04M | 22.75M | 22.27M | 27.71M | 25.74M | 26.32M | 0 | 16.1M |
| Income Taxes Paid | 30K | 0 | 780K | 1.3M | 9.79M | 12.58M | 10.46M | 9.76M | 0 | 6.44M |
| Free Cash Flow | -4.84M▲ 0% | -2.11M▲ 56.3% | -1.33M▲ 36.9% | 14.92M▲ 1218.5% | 10.15M▼ 31.9% | 13.47M▲ 32.6% | 27.64M▲ 105.2% | 34.06M▲ 23.2% | 41.33M▲ 21.4% | 41.04M▲ 0% |
| FCF Growth % | -110.59% | 56.29% | 36.9% | 1218.52% | -31.94% | 32.63% | 105.18% | 23.23% | 21.35% | 52.05% |
CPI Card Group Inc. (PMTS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | - | - | - | - | - | - | - | -56.87% |
| Return on Assets (ROA) | -8.83% | -16.98% | -2.44% | 6.73% | 5.97% | 12.94% | 8.13% | 6.07% | 3.97% | 3.06% |
| Net Interest Margin | -8.91% | -11.31% | -11.69% | -9.54% | -11.41% | -9.98% | -9.16% | -9.75% | -8.05% | -8.39% |
| Efficiency Ratio | 39.11% | 28.93% | 23.86% | 23.04% | 21.85% | 20.31% | 21.12% | 22.56% | 21.2% | 21.45% |
| Equity / Assets | -51.1% | -72.19% | -72.44% | -51.86% | -45.13% | -27.67% | -17.68% | -10.19% | -4.3% | -3.63% |
| Book Value / Share | -10.76 | -13.42 | -13.78 | -12.29 | -10.29 | -6.99 | -4.36 | -3 | -1.45 | -1.18 |
| NII Growth | -4.02% | -12.38% | -6.23% | -2.03% | -20.52% | 3.24% | 9.13% | -26.66% | 4.76% | -12.56% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
CPI Card Group Inc. (PMTS) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Mar 5, 2026·SEC
Feb 17, 2026·SEC
CPI Card Group Inc. (PMTS) stock FAQ — growth, dividends, profitability & financials explained
CPI Card Group Inc. (PMTS) grew revenue by 13.1% over the past year. This is steady growth.
Yes, CPI Card Group Inc. (PMTS) is profitable, generating $12.2M in net income for fiscal year 2025 (2.8% net margin).
CPI Card Group Inc. (PMTS) has a net interest margin (NIM) of -8.1%. NIM has been under pressure due to interest rate environment.
CPI Card Group Inc. (PMTS) has an efficiency ratio of 21.2%. This is excellent, indicating strong cost control.
CPI Card Group Inc. (PMTS) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates