12 years of historical data (2013–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
CPI Card Group Inc. trades at 7.5x earnings, 33% below its 5-year average of 11.2x, sitting at the 17th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 46%. On a free-cash-flow basis, the stock trades at 4.1x P/FCF, 73% below the 5-year average of 15.0x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $140M | $355M | $229M | $424M | $218M | $49M | $10M | $26M | $41M | $224M | $481M |
| Enterprise Value | $396M | $611M | $489M | $704M | $505M | $333M | $304M | $311M | $321M | $489M | $776M |
| P/E Ratio → | 7.48 | 18.23 | 9.55 | 11.60 | 13.64 | 3.05 | — | — | — | 41.50 | — |
| P/S Ratio | 0.29 | 0.74 | 0.51 | 0.89 | 0.58 | 0.16 | 0.04 | 0.10 | 0.18 | 0.73 | 1.29 |
| P/B Ratio | — | — | — | — | — | — | — | — | — | — | — |
| P/FCF | 4.10 | 10.43 | 8.28 | 31.47 | 21.49 | 3.30 | — | — | — | 4.91 | 19.05 |
| P/OCF | 3.22 | 8.20 | 6.72 | 13.53 | 10.79 | 2.24 | 3.55 | 7.25 | 16.81 | 3.74 | 10.95 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
CPI Card Group Inc.'s enterprise value stands at 5.0x EBITDA, 27% below its 5-year average of 6.9x. The Financial Services sector median is 11.1x, placing the stock at a 55% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.27 | 1.10 | 1.48 | 1.35 | 1.07 | 1.09 | 1.22 | 1.44 | 1.58 | 2.08 |
| EV / EBITDA | 4.99 | 7.71 | 6.30 | 7.49 | 6.78 | 6.03 | 7.24 | 13.53 | — | 10.65 | 9.27 |
| EV / EBIT | 6.30 | 9.73 | 7.96 | 8.94 | 8.50 | 8.69 | 12.99 | 72.46 | — | 15.44 | 11.35 |
| EV / FCF | — | 17.94 | 17.68 | 52.27 | 49.76 | 22.31 | — | — | — | 10.71 | 30.74 |
Margins and return-on-capital ratios measuring operating efficiency
CPI Card Group Inc. earns an operating margin of 13.1%, below the Financial Services sector average of 21.9%. Operating margins have compressed from 16.6% to 13.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROIC of 19.9% represents solid returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.6% | 35.6% | 35.0% | 36.9% | 37.7% | 35.3% | 32.8% | 30.7% | 30.5% | 33.0% | 36.3% |
| Operating Margin | 13.1% | 13.1% | 13.9% | 16.6% | 15.9% | 12.3% | 8.9% | 1.8% | -8.6% | 9.4% | 18.1% |
| Net Profit Margin | 4.1% | 4.1% | 5.4% | 7.7% | 4.2% | 5.2% | -1.8% | -14.6% | -9.8% | 1.7% | 8.2% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | — | — | — | — | — | — |
| ROA | 6.1% | 6.1% | 8.1% | 12.9% | 6.0% | 6.7% | -2.4% | -17.0% | -8.8% | 2.0% | 11.3% |
| ROIC | 19.9% | 19.9% | 21.5% | 30.0% | 22.9% | 15.9% | 11.8% | 2.0% | -7.4% | 10.1% | 26.7% |
| ROCE | 24.2% | 24.2% | 26.0% | 36.6% | 28.8% | 20.2% | 14.7% | 2.5% | -9.0% | 12.4% | 28.9% |
Solvency and debt-coverage ratios — lower is generally safer
CPI Card Group Inc. carries a Debt/EBITDA ratio of 3.7x, which is moderately leveraged (11% below the sector average of 4.1x). Net debt stands at $256M ($289M total debt minus $34M cash). Interest coverage of just 1.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | — |
| Debt / EBITDA | 3.65 | 3.65 | 3.51 | 3.10 | 4.13 | 6.18 | 7.44 | 13.30 | — | 6.58 | 3.69 |
| Net Debt / Equity | — | — | — | — | — | — | — | — | — | — | — |
| Net Debt / EBITDA | 3.23 | 3.23 | 3.35 | 2.98 | 3.85 | 5.13 | 7.00 | 12.42 | — | 5.77 | 3.53 |
| Debt / FCF | — | 7.51 | 9.40 | 20.80 | 28.27 | 19.00 | — | — | — | 5.80 | 11.70 |
| Interest Coverage | 1.84 | 1.84 | 2.29 | 2.67 | 1.94 | 1.51 | 0.99 | 0.20 | -0.93 | 1.45 | — |
Short-term solvency ratios and asset-utilisation metrics
CPI Card Group Inc.'s current ratio of 2.69x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 2.46x to 2.69x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.69 | 2.69 | 3.34 | 2.46 | 2.25 | 2.68 | 2.21 | 2.05 | 2.59 | 2.62 | 2.40 |
| Quick Ratio | 2.69 | 2.69 | 3.34 | 2.46 | 2.25 | 2.68 | 2.21 | 2.05 | 2.59 | 2.62 | 2.40 |
| Cash Ratio | 0.44 | 0.44 | 0.25 | 0.16 | 0.32 | 1.01 | 0.45 | 0.49 | 0.67 | 1.05 | 0.32 |
| Asset Turnover | — | 1.37 | 1.51 | 1.60 | 1.40 | 1.17 | 1.31 | 1.23 | 0.96 | 1.17 | 1.33 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
CPI Card Group Inc. returns 6.2% to shareholders annually primarily through share buybacks. The earnings yield of 13.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | 18.5% | 3.4% | 47.9% |
| Payout Ratio | — | — | — | — | — | — | — | — | — | 139.3% | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.4% | 5.5% | 10.5% | 8.6% | 7.3% | 32.8% | — | — | — | 2.4% | — |
| FCF Yield | 24.4% | 9.6% | 12.1% | 3.2% | 4.7% | 30.3% | — | — | — | 20.4% | 5.3% |
| Buyback Yield | 6.2% | 2.4% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 2.7% | 0.0% |
| Total Shareholder Yield | 6.2% | 2.4% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 18.5% | 6.0% | 47.9% |
| Shares Outstanding | — | $12M | $12M | $12M | $12M | $11M | $11M | $11M | $11M | $11M | $9M |
Compare PMTS with 7 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| PMTSYou | $140M | 7.5 | 5.0 | 4.1 | 35.6% | 13.1% | — | 19.9% | 3.7 |
| MA | $458B | 31.3 | 22.7 | 26.7 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
| AXP | $213B | 22.0 | 15.3 | 17.5 | 81.9% | 17.4% | 34.7% | 12.2% | 3.5 |
| PYPL | $43B | 8.5 | 5.9 | 7.6 | 47.0% | 19.7% | 25.7% | 16.3% | 1.3 |
| WU | $3B | 6.3 | 1.9 | 7.7 | 28.7% | 19.4% | 51.9% | 23.3% | — |
| V | $3B | 31.4 | 0.3 | 0.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
| GDOT | $641M | -23.1 | -10.7 | 90.3 | 33.6% | -0.1% | -3.1% | -0.1% | 0.7 |
| CURR | $160M | -2.0 | — | 55.7 | 31.4% | -59.0% | — | — | — |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 12 years · Updated daily
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Start ComparisonCPI Card Group Inc.'s current P/E ratio is 7.5x. The historical average is 16.3x. This places it at the 17th percentile of its historical range.
CPI Card Group Inc.'s current EV/EBITDA is 5.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.3x.
Based on historical data, CPI Card Group Inc. is trading at a P/E of 7.5x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
CPI Card Group Inc. has 35.6% gross margin and 13.1% operating margin. Operating margin between 10-20% is typical for established companies.
CPI Card Group Inc.'s Debt/EBITDA ratio is 3.7x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.