Saturday 17 October 2026 Export PMTS’s income statement to Excel — free account

CPI Card Group Inc.

CPI Card Group Inc.’s revenue for fiscal 2025 (year ended December 2025) was $543.5 million, up 13.1% from fiscal 2024. In the quarter to June 2026, revenue grew 15.0%, EPS grew 260.0%, free cash flow grew 4,762.3% and total debt fell 15.7%, each against the same quarter a year earlier. Operating cash flow growth for three consecutive years; insiders bought in the last twelve months.

24.82 0.88 −3.42%

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Market cap: $297.9M
P/E: 20.7×
Fwd P/E: 9.0×
Dividend yield: —
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 14.99

Total sells 83.70

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	1	—	—	—	—	1	—	—	—	5	—
Sell	—	1	—	—	—	—	1	—	—	—	1	—

Insider Ownership 28.35%

Capital & Financial Ratios $m

Market Cap 297.91

Revenue 587.31

Net Income 13.75

Free Cash Flow 76.55

Net Debt 240.77

Current Ratio 2.09

Debt/Equity (22.85)

P/E ratio 20.68

Fwd P/E 9.00

P/S ratio 0.49

P/B ratio 0.00

Past 5Y EPS Growth (2.79%)

This Y EPS Growth 39.11%

Next Y EPS Growth 16.92%

Next Y revenue growth 11.20%

Next 5Y EPS Growth 4.84%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 84.85%

10-year low 10-year high

P/S against its own 10 years 55.84%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	0.45	0.23 0.23
2016	0.90	0.23 0.23 0.23 0.23

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	12	34	22	21
Receivables	74	85	95	88
Inventory	71	73	72	63
Other	—	—	—	—
	165	203	205	188

	2023	2024	2025	Q'26
Payables	13	16	28	31
ST’ Debt	—	—	—	—
Other	—	—	—	—
	49	76	84	90

Compound Annual Growth %

	10y	5y	3y
Sales	3.81%	11.73%	4.54%
Cash Flow	3.08%	22.00%	23.83%
Earnings	0.00%	(1.51%)	(25.76%)
Book Value	0.00%	0.00%	0.00%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	147	149	—	—	—
’25	123	130	138	153	544
’24	112	119	125	125	481
’23	121	115	106	103	445
’22	111	113	125	126	476
’21	89	93	100	93	375
’20	74	71	83	84	312

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	14	29	—	—	—
’25	6	4	10	40	60
’24	9	(5)	13	27	43
’23	8	2	12	12	34
’22	(16)	8	20	20	31
’21	0	23	(8)	6	20
’20	3	9	(2)	12	22

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	10	26	—	—	—
’25	0	1	5	35	41
’24	7	(6)	11	22	34
’23	4	0	12	11	28
’22	(19)	3	14	16	13
’21	(2)	21	(9)	0	10
’20	2	8	(4)	8	15

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.17	0.17	—	—	—
’25	0.40	0.04	0.19	0.62	1.25
’24	0.46	0.51	0.11	0.57	1.64
’23	0.91	0.55	0.33	0.23	2.01
’22	0.51	0.52	1.01	1.06	3.11
’21	0.21	0.53	0.56	0.06	1.36
’20	0.16	0.01	0.52	0.64	1.44

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.25	2.90	1.93	0.72	0.36	4.25	10.18	12.65	15.00	11.64	Analyst estimates 2026–2028 Powerpack
	High	55.50	25.50	4.26	4.02	4.49	38.92	37.50	45.95	35.19	34.25
People
People	Employees	1,308	1,200	1,100	1,100	1,000	1,150	1,375	1,448	1,500	1,700
	Revenue/emp, $m	0.24	0.19	0.23	0.25	0.31	0.33	0.35	0.31	0.32	0.32
Income, $m
Income, $m	Revenue	309	224	256	278	312	375	476	445	481	544
	Gross margin, %	33.01	30.48	30.72	32.75	35.33	37.70	36.95	34.98	35.63	31.29
	EBT	9	(40)	(19)	(2)	13	24	49	34	25	22
	EBT margin, %	2.77	(17.71)	(7.48)	(0.55)	4.13	6.35	10.33	7.75	5.21	4.00
	Net income	5	(22)	(37)	(5)	16	16	37	24	20	15
	Depreciation	22	19	20	19	20	17	17	18	18	24
Per share, $
Per share, $	Revenue	27.65	20.13	22.94	24.83	27.80	33.38	42.13	38.91	43.09	47.98
	Earnings	0.50	(1.98)	(3.36)	(0.40)	1.44	1.42	3.24	2.10	1.75	1.32
	Cash flow	5.37	0.22	0.32	0.25	1.96	1.80	2.78	2.98	3.88	5.25
	Capex	(1.28)	(0.65)	(0.51)	(0.37)	(0.63)	(0.90)	(1.58)	(0.56)	(0.83)	(1.60)
	Free cash flow	4.09	(0.43)	(0.19)	(0.12)	1.33	0.90	1.19	2.42	3.05	3.65
	Book value	(8.53)	(10.76)	(13.41)	(13.78)	(12.29)	(10.77)	(7.27)	(4.55)	(3.19)	(1.53)
	Shares, m	11	11	11	11	11	11	11	11	11	11
Valuation, ×
Valuation, ×	P/E	44.60	0.00	0.00	0.00	3.28	13.16	11.59	9.32	17.08	11.21
	P/S	0.76	0.20	0.10	0.04	0.16	0.56	0.89	0.50	0.69	0.31
	P/B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	EV/Sales	1.65	1.50	1.25	1.11	1.05	1.33	1.49	1.09	1.22	0.81
	EV/FCF	11.13	(69.37)	(151.40)	(231.01)	22.01	49.18	52.46	17.53	17.27	10.63
Cash, $m
Cash, $m	Operating cash flow	60	2	4	3	22	20	31	34	43	60
	Capex	(14)	(7)	(6)	(4)	(7)	(10)	(18)	(6)	(9)	(18)
	Free cash flow	46	(5)	(2)	(1)	15	10	13	28	34	41
Balance, $m
Balance, $m	Working capital	57	67	43	51	96	81	100	116	127	121
	Total debt	302	304	306	312	337	304	286	265	280	287
	Net debt	265	281	286	294	279	283	274	253	247	265
	Shareholders’ equity	(95)	(120)	(150)	(154)	(138)	(121)	(82)	(52)	(36)	(17)
Returns, %
Returns, %	ROA	1.98	(8.83)	(16.98)	(2.44)	6.73	5.97	12.94	8.13	6.07	3.97
	ROIC	10.67	(7.49)	2.10	11.09	17.01	22.95	25.70	19.18	18.58	13.84
	ROE	(5.94)	20.49	27.84	3.37	(11.03)	(12.31)	(35.98)	(35.80)	(44.59)	(56.46)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%	Compare
FINV PPDAI Group Inc. Sponsored ADR	$410.6M	2.8×	4.1×	+0.42% (above 0%: growing)	−31.71% (below 0%: shrinking)	−7,180.65% (below 0%: shrinking)	78.46%	17.42%	Compare
RM Regional Management Corp.	$318.0M	6.8×	6.4×	+6.71% (above 0%: growing)	−14.95% (below 0%: shrinking)	+1.86% (above 0%: growing)	100.00%	19.97%	Compare
PMTS CPI Card Group Inc.	$297.9M	20.7×	9.0×	+14.97% (above 0%: growing)	+260.00% (above 0%: growing)	+4,762.29% (above 0%: growing)	32.50%	7.95%
FOA Finance of America Companies Inc.	$279.1M	— (loss-making)	— (loss-making)	−64.77% (below 0%: shrinking)	n/m	−89.96% (below 0%: shrinking)	100.00%	(69.79%)	Compare
MFIN Medallion Financial Corp.	$256.9M	8.0×	8.6×	+2.54% (above 0%: growing)	−34.69% (below 0%: shrinking)	+176.13% (above 0%: growing)	69.47%	0.00%	Compare
CPSS Consumer Portfolio Services, Inc.	$200.9M	9.2×	6.8×	+10.59% (above 0%: growing)	+31.82% (above 0%: growing)	+94.93% (above 0%: growing)	100.00%	60.37%	Compare
HTT High Templar Tech Limited - Sponsored ADR	$199.4M	3.5×	— (loss-making)	−90.80% (below 0%: shrinking)	n/m	+347.70% (above 0%: growing)	20.72%	(2,664.81%)	Compare
TROO TROOPS, Inc.	$196.7M	— (loss-making)	—	+10.79% (above 0%: growing)	+101.54% (above 0%: growing)	−94.20% (below 0%: shrinking)	23.83%	0.00%	Compare
Median of peers	$268.0M	7.4×	6.4×	+1.48%	−0.81%	+3.46%	80.24%	0.00%

All 55 Credit Services stocks →

CPI Card Group Inc. (PMTS) key facts

Strength: CPI Card Group Inc.’s revenue for fiscal 2025 (year ended December 2025) was $543.5 million, up 13.1% from fiscal 2024.
CPI Card Group Inc. (PMTS) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PMTS traded at $24.82, a market capitalization of $297.9 million.
Return on equity was −56.5% and debt-to-equity -22.85.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.