# CPI Card Group Inc. (PMTS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Credit Services. Price $28.24, market value $326 million.

## Valuation
- **P/E (trailing): 24.6×** (5-yr avg 13.0×, 3-yr avg 13.2×). CPI Card Group Inc. trades at 24.6× trailing earnings, well above its own five-year average of 13.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **EV / EBITDA: 7.4×**. Enterprise value is 7.4× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 23.5%** (5-yr avg 10.6%). Free cash flow equals 23.5% of the market value, above its five-year average of 10.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 4.1%**. The inverse of the P/E: 4.1% of the price is earned each year.

## Profitability
- **Gross margin: 31.0%**. CPI Card Group Inc. keeps 31.0% of revenue after the direct cost of what it sells.
- **Operating margin: 9.2%**. 9.2% of revenue is left after running the business.
- **Net margin: 2.8%**. 2.8% of each dollar of sales reaches the bottom line.
- **Return on equity: -86.3%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 17.3%**. Return on all capital, debt included, is 17.3%: comfortably above what that capital costs.
- **Return on assets: 3.4%**. Each dollar of assets produces 3.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 13.1%** (3-yr 4.5%/yr, 5-yr 11.7%/yr). Revenue grew 13.1% over the last year, against 11.7% a year compounded over five years.
- **EPS growth (1 yr): -23.8%** (3-yr -26.2%/yr, 5-yr -2.8%/yr). Earnings per share fell 23.8%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 45.3%/yr**. Free cash flow has compounded at 45.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $22 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. CPI Card Group Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 91.6%** (YTD 92.4%, 3-mo 65.6%). The shares are up 91.6% over twelve months including dividends.
- **From 52-week high: -9.6%** (161.2% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 1.36** (volatility 71%). Beta of 1.36 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PMTS · Page: https://foliofundamentals.com/stocks/pmts

Not investment advice.