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Finance of America Companies Inc. (FOA) vs CPI Card Group Inc. (PMTS)

Finance of America Companies Inc. and CPI Card Group Inc. are both Credit Services companies. CPI Card Group Inc. is the larger, with a market value of $286.3M against $222.1M — 1.3× the size. Finance of America Companies Inc. has negative trailing earnings, so its P/E is not meaningful; CPI Card Group Inc. trades at 17.1×. CPI Card Group Inc. grew revenue faster over the last twelve months: 17.9% against −42.3%. CPI Card Group Inc. has the higher net margin (2.71% vs −0.10%) and the higher return on invested capital (15.5% vs −0.12%). Across the 17 metrics below, CPI Card Group Inc. leads on 12 and Finance of America Companies Inc. on 5.

Valuation

Metric FOA PMTS Credit Services median
P/E n/m 17.12 8.96
P/S 0.34 0.47 1.00
P/B 0.28 n/m 1.23
Price to free cash flow n/m 3.48 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (2.77%) 5.84% 7.17%
Free cash flow yield (416.57%) 28.71% 11.75%

Profitability

Metric FOA PMTS Credit Services median
Gross margin 100.00% 31.45% 76.61%
Operating margin (20.35%) 9.35% 0.34%
Net margin (0.10%) 2.71% 8.35%
Free cash flow margin (164.79%) 13.39% 8.73%
Return on equity (0.08%) (100.73%) 9.05%
Return on assets 0.00% 4.16% 1.94%
Return on invested capital (0.12%) 15.51% 4.56%

Growth

Metric FOA PMTS Credit Services median
Revenue growth (TTM) (42.27%) 17.87% 4.49%
EPS growth (last fiscal year) 216.95% (23.78%) 21.94%
Revenue growth, 5-year CAGR (22.68%) 11.73% 9.22%
Net income growth, 5-year CAGR (38.60%) (1.51%) 0.00%

Health

Metric FOA PMTS Credit Services median
Debt to equity 89.53 (35.72) 0.69
Current ratio 3.02 2.06 1.26
Net debt to EBITDA 177.25 3.37 0.11

Dividend

Metric FOA PMTS Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.21

Size

Metric FOA PMTS Credit Services median
Market cap 222.05m 286.32m 759.73m

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