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

PMTS•NASDAQ•Banking & Credit
$15.17
$174M mkt cap·12.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-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
  • Net Interest Income-$32M+4.8%
  • Total Revenue$544M+13.1%
  • Net Income$15M-23.4%
  • Net Interest Margin-8.05%+17.4%
  • Efficiency Ratio21.2%-6.0%
  • ROA3.97%-34.6%
  • Equity / Assets-4.3%+57.8%
  • Book Value per Share-1.45+51.5%
  • Tangible BV/Share-7.10+9.6%
Technical→

PMTS Key Insights

CPI Card Group Inc. (PMTS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 21.2% efficiency ratio
  • ✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Weak NIM of -8.1%
  • ✗Thin capital base
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

PMTS Price & Volume

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

Loading chart...

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
EPS
$0.39
Est $0.32
+19.8%
Revenue
$147M
Est $135M
+9.2%
Q2 2026
Mar 5, 2026
EPS
$0.77
Est $0.50
+54.0%
Revenue
$153M
Est $145M
+5.4%
Q4 2025
Nov 4, 2025
EPS
$0.47
Est $0.63
-25.4%
Revenue
$138M
Est $145M
-5.0%
Q3 2025
Aug 8, 2025
EPS
$0.04
Est $0.56
-92.9%
Revenue
$130M
Est $142M
-8.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.39vs $0.32+19.8%
$147Mvs $135M+9.2%
Q2 2026Mar 5, 2026
$0.77vs $0.50+54.0%
$153Mvs $145M+5.4%
Q4 2025Nov 4, 2025
$0.47vs $0.63-25.4%
$138Mvs $145M-5.0%
Q3 2025Aug 8, 2025
$0.04vs $0.56-92.9%
$130Mvs $142M-8.5%
Based on last 12 quarters of dataView full earnings history →

PMTS Peer Comparison

CPI Card Group Inc. (PMTS) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IDCC logoIDCCInterDigital, Inc.Direct Competitor7.16B278.0023.56-3.97%44.2%33.37%0.46
CASS logoCASSCass Information Systems, Inc.Direct Competitor607.85M47.0918.04-13.1%17.25%14.61%0.02
EVTC logoEVTCEVERTEC, Inc.Direct Competitor1.74B28.1612.8010.21%9.6%11.07%1.58
PRTH logoPRTHPriority Technology Holdings, Inc.Direct Competitor430.83M5.267.748.33%5.84%
FORM logoFORMFormFactor, Inc.Product Competitor11.62B149.12216.122.8%8.14%6.68%0.04
NNBR logoNNBRNN, Inc.Product Competitor126.48M2.52-2.36-9.06%-8.03%-28.43%1.44
ATEN logoATENA10 Networks, Inc.Product Competitor1.92B26.7246.8811.03%14.9%21.19%1.05
V logoVVisa Inc.Supply Chain611.6B318.8031.2511.34%58.9%0.66

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 Income Statement

CPI Card Group Inc. (PMTS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
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 Income0000000000
Interest Expense20.85M23.43M24.89M25.4M30.61M29.62M26.91M34.09M32.47M32.44M
Loan Loss Provision134.69M153.79M162.11M176.48M203.09M270.36M262.14M275.3M340.97M361.92M
Non-Interest Income223.74M255.81M278.07M312.19M375.12M475.75M444.55M480.6M543.53M567.88M
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 Expense87.5M74M66.36M71.92M81.96M96.64M93.9M108.43M115.25M121.79M
Efficiency Ratio39.11%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-4.34M3.47M-3.31M7.88M12.61M10.48M5.51M6.66M6.15M
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-4.99M16.19M15.94M36.54M23.98M19.52M14.95M12.39M
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)-1.98-3.36-0.401.441.423.242.101.751.32-
Diluted Shares Outstanding11.12M11.15M11.2M11.23M11.76M11.75M11.92M11.88M11.92M11.86M

PMTS Balance Sheet

CPI Card Group Inc. (PMTS) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments23.2M20.29M18.68M57.6M20.68M11.04M12.41M33.54M21.7M74.08M
Cash & Due from Banks23.2M20.29M18.68M57.6M20.68M11.04M12.41M33.54M21.7M19.3M
Short Term Investments0000000000
Total Investments-12.29M-5.75M00000000
Investments Growth %42.21%53.21%100%------0%
Long-Term Investments-12.29M-5.75M00000000
Accounts Receivables32.53M43.79M38.61M44.02M49.96M68.67M69M78.28M95.44M88.68M
Goodwill & Intangibles95.08M82.59M77.95M73.36M69M65.14M61.27M57.64M67.31M66.31M
Goodwill53.61M47.15M47.15M47.15M47.15M47.15M47.15M47.15M48.76M48.76M
Intangible Assets41.47M35.44M30.8M26.21M21.85M17.99M14.12M10.49M18.54M17.55M
PP&E (Net)49.3M39.11M41.61M39.4M47.25M57.18M63.05M68.65M108.43M106.68M
Other Assets248K1.03M1.23M857K6.18M6.78M3.98M20.32M22.51M24.58M
Total Current Assets89.37M84.47M92.22M152.53M145.7M167.57M165.38M203.04M204.94M188.89M
Total Non-Current Assets144.63M122.73M120.8M113.62M122.44M129.1M128.31M146.62M198.25M197.57M
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 Payable13.24M16.51M16.48M18.88M26.44M24.37M12.8M16.12M27.8M22.47M
Total Debt303.87M305.82M312.27M341.12M307.74M291.22M272.31M289.47M337.47M276.9M
Net Debt280.66M285.53M293.59M283.51M287.06M280.18M259.9M255.93M315.77M257.61M
Long-Term Debt303.87M305.82M307.78M328.68M303.63M285.52M265M280.4M286.67M276.9M
Short-Term Debt0008.03M000000
Other Liabilities15.17M8.64M11.48M11.17M15.51M18.4M24.04M25.97M9.17M46.67M
Total Current Liabilities34.54M41.28M41.69M56.93M64.78M68.01M49.45M75.59M84.1M74.33M
Total Non-Current Liabilities319.04M315.5M325.62M347.26M324.38M310.73M296.17M309.69M336.43M326.13M
Total Liabilities353.58M356.78M367.31M404.19M389.16M378.74M345.62M385.28M420.52M400.46M
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 Stock11K11K11K11K11K11K11K11K11K11K
Additional Paid-in Capital-113.08M-112.22M-111.99M-111.86M-110.78M-108.38M-102.22M-105.43M-102.09M0
Retained Earnings-1.37M-36M-42.32M-26.19M-10.25M26.29M50.28M69.8M84.75M0
Accumulated OCI-5.14M-1.36M00000000
Treasury Stock0000000000
Preferred Stock138K360K00000000

PMTS Cash Flow Statement

CPI Card Group Inc. (PMTS) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations2.43M3.52M2.84M22.01M20.23M31.34M34.04M43.31M59.5M59.5M
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-4.45M16.13M15.94M36.54M23.98M19.52M14.95M12.23M
Depreciation & Amortization16.92M18.41M17M16.83M15.1M14.89M15.93M16.42M18.11M18.21M
Deferred Taxes-9.17M-6.9M1.15M1.04M-2.16M1.55M331K-3.94M05.93M
Other Non-Cash Items18.76M21.36M3.44M5.29M7.63M3.5M1.44M10.3M12.16M-1.4M
Working Capital Changes-4.06M7.15M-14.54M-17.41M-17.53M-28.62M-15.16M-7.54M7.32M15.7M
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 Investments00000000-2.82M0
Sale/Maturity of Investments0000000000
Net Investment Activity00000000-2.82M0
Acquisitions001.45M00000-44.2M-47.02M
Other Investing-1.53M-220K150K0156K95K183K36K-18.11M13K
Cash from Financing-7.88M-519K-1.93M23.98M-47.23M-23.16M-26.44M-12.96M-6.22M-3.85M
Dividends Paid-7.54M000000000
Share Repurchases000000-250K-8.68M0-536K
Stock Issued0000000000
Net Stock Activity000000-250K-8.68M0-536K
Debt Issuance (Net)0-519K-1000K1000K-1000K-1000K-1000K1000K-1000K-2M
Other Financing-341K00-2.51M-12.31M-1.94M-368K-16.16M-1.98M10.63M
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 Effect494K-61K50K23K1K-47K000-2.4M
Cash at Beginning36.95M23.2M20.29M18.68M57.6M20.68M11.04M12.41M33.54M21.7M
Cash at End23.2M20.29M18.68M57.6M20.68M11.04M12.41M33.54M21.7M19.3M
Interest Paid18.47M023.04M22.75M22.27M27.71M25.74M26.32M016.1M
Income Taxes Paid30K0780K1.3M9.79M12.58M10.46M9.76M06.44M
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%

PMTS Banking Ratios

CPI Card Group Inc. (PMTS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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 Ratio39.11%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%

PMTS SEC Filings & Documents

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

8-K Announcements

6
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

2
FY 2026

Mar 5, 2026·SEC

FY 2025

Mar 4, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 8, 2025·SEC

PMTS Frequently Asked Questions

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

Growth & Financials

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).

Industry Metrics

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.

Explore More PMTS

CPI Card Group Inc. (PMTS) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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