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CPI Card Group Inc.

PMTS Financial Credit Services

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%
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%) (below 0%: weak)
This Y EPS Growth 39.11% (at or above 15%: strong)
Next Y EPS Growth 16.92% (at or above 15%: strong)
Next Y revenue growth 11.20% (at or above 10%: strong)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

CPI Card Group Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

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.

CPI Card Group Inc. (PMTS) Latest News

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stockrow.com/PMTS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com