Last 45 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
CPI Card Group Inc.'s quarterly P/E stands at 19.9x, down 68.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 8.1% YoY to 6.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.48 | 19.92 | 136.64 | 18.23 | 13.11 | 63.25 | 13.36 | 9.71 | 20.86 | 14.03 | 10.57 | 12.37 | 8.51 |
| — | -68.5% | +922.9% | +87.8% | -37.2% | +350.8% | +26.4% | -21.5% | +145.1% | +259.7% | +30.8% | +74.0% | -89.0% | |
| P/S Ratio | 0.29 | 0.33 | 0.55 | 0.71 | 0.71 | 0.66 | 0.68 | 0.47 | 0.55 | 0.52 | 0.60 | 1.11 | 0.84 |
| — | -50.9% | -19.3% | +52.0% | +29.7% | +28.0% | +12.4% | -57.6% | -34.8% | +38.7% | +38.2% | +190.7% | +43.7% | |
| P/B Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/FCF | 4.10 | — | 132.71 | 299.90 | 4.13 | 7.45 | — | 7.14 | 4.94 | 4.39 | — | 34.73 | 6.57 |
| — | — | — | +4099.8% | -16.5% | +69.5% | — | -79.4% | -24.9% | +28.7% | — | — | -94.4% | |
| EV / EBITDA | 4.99 | 6.33 | 9.85 | 8.30 | 7.60 | 6.88 | 7.79 | 6.41 | 8.32 | 7.19 | 6.44 | 8.33 | 6.66 |
| — | -8.1% | +26.4% | +29.5% | -8.7% | -4.3% | +20.9% | -23.1% | +25.0% | +63.5% | -4.5% | +50.8% | -33.1% | |
| EV / EBIT | 6.30 | 9.69 | 15.63 | 10.80 | 9.61 | 10.58 | 9.90 | 8.27 | 11.50 | 9.45 | 7.94 | 9.93 | 7.63 |
| — | -8.4% | +57.9% | +30.6% | -16.4% | +12.0% | +24.8% | -16.7% | +50.6% | +84.2% | -5.0% | +46.3% | -44.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
CPI Card Group Inc.'s operating margin was 9.4% in Q3 2025, up 2.2 pp QoQ and down 4.8 pp YoY. Gross margin contracted 17.1% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.6% | 29.7% | 30.9% | 33.2% | 34.1% | 35.8% | 35.7% | 35.9% | 33.1% | 34.1% | 35.5% | 35.7% | 37.6% |
| — | -17.1% | -13.3% | -7.7% | +2.9% | +4.9% | +0.5% | +0.7% | -11.9% | -12.2% | -0.8% | +1.2% | +13.2% | |
| Operating Margin | 13.1% | 9.4% | 7.3% | 11.5% | 12.7% | 14.3% | 12.5% | 12.6% | 10.2% | 12.2% | 15.2% | 17.0% | 17.9% |
| — | -33.9% | -42.1% | -9.1% | +24.4% | +16.5% | -17.5% | -25.9% | -42.8% | -34.9% | +14.5% | +5.6% | +81.4% | |
| Net Margin | 4.1% | 1.7% | 0.4% | 3.9% | 5.4% | 1.0% | 5.1% | 4.9% | 2.7% | 3.6% | 5.7% | 9.0% | 9.9% |
| — | +61.4% | -92.1% | -20.2% | +103.8% | -71.6% | -11.0% | -45.8% | -73.1% | -61.9% | +4.5% | +67.0% | +1266.6% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| ROA | 6.1% | 0.6% | 0.1% | 1.4% | 2.0% | 0.4% | 1.9% | 1.8% | 0.9% | 1.3% | 2.2% | 3.7% | 4.1% |
| — | +46.8% | -92.6% | -23.5% | +109.8% | -70.1% | -14.2% | -51.4% | -77.5% | -67.5% | +2.0% | +68.7% | +1503.7% | |
| ROIC | 19.9% | 3.3% | 2.6% | 4.1% | 4.8% | 5.6% | 4.9% | 4.8% | 3.6% | 4.3% | 5.8% | 7.2% | 7.9% |
| — | -40.6% | -47.9% | -13.9% | +34.1% | +29.2% | -16.2% | -33.5% | -54.8% | -47.3% | +6.9% | +4.4% | +112.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
CPI Card Group Inc.'s Debt/EBITDA ratio is 16.8x, down from 21.6x last quarter — elevated, raising questions about debt serviceability.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | 3.65 | 16.76 | 21.59 | 15.83 | 14.37 | 13.14 | 14.61 | 15.01 | 18.65 | 16.46 | 13.47 | 11.97 | 10.98 |
| — | +27.6% | +47.7% | +5.5% | -22.9% | -20.2% | +8.5% | +25.4% | +69.8% | +42.3% | -20.2% | -19.1% | -54.7% | |
| Current Ratio | 2.69 | 2.56 | 2.59 | 2.95 | 2.69 | 2.65 | 2.61 | 2.44 | 3.34 | 3.53 | 3.16 | 2.93 | 2.46 |
| — | -3.2% | -0.8% | +20.8% | -19.7% | -24.9% | -17.5% | -16.6% | +35.8% | +27.7% | +23.7% | +10.9% | +9.5% | |
| Quick Ratio | 2.69 | 2.56 | 2.59 | 2.95 | 2.69 | 2.65 | 2.61 | 2.44 | 3.34 | 3.53 | 3.16 | 2.93 | 2.46 |
| — | -3.2% | -0.8% | +20.8% | -19.7% | -24.9% | -17.5% | -16.6% | +35.8% | +27.7% | +23.7% | +10.9% | +9.5% | |
| Interest Coverage | 1.84 | 1.49 | 1.17 | 1.84 | 2.08 | 1.32 | — | 2.20 | 1.58 | 1.93 | 2.60 | 3.04 | 3.11 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 45 years · Updated daily
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Start ComparisonCPI Card Group Inc.'s current P/E is 7.5x. The average P/E over the last 4 quarters is 47.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CPI Card Group Inc.'s current operating margin is 13.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CPI Card Group Inc.'s business trajectory between earnings reports.