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CPI Card Group Inc. (PMTS) vs Regional Management Corp. (RM)

CPI Card Group Inc. and Regional Management Corp. are both Credit Services companies. CPI Card Group Inc. and Regional Management Corp. are of similar size ($318.0M and $297.9M). Regional Management Corp. trades at the lower P/E: 6.8× against 20.7×. CPI Card Group Inc. grew revenue faster over the last twelve months: 16.9% against 9.63%. Regional Management Corp. has the higher net margin (6.98% vs 2.34%) and the lower return on invested capital (4.89% vs 14.8%). Across the 19 metrics below, Regional Management Corp. leads on 13 and CPI Card Group Inc. on 6.

Valuation

Metric PMTS RM Credit Services median
P/E 20.68 6.77 9.39
P/S 0.49 0.46 0.86
P/B n/m 0.82 1.16
Price to free cash flow 3.72 0.99 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.83% 14.78% 6.55%
Free cash flow yield 26.85% 100.66% 12.26%

Profitability

Metric PMTS RM Credit Services median
Gross margin 30.97% 100.00% 77.13%
Operating margin 9.22% 22.53% 0.34%
Net margin 2.34% 6.98% 9.25%
Free cash flow margin 13.03% 46.38% 12.91%
Return on equity (67.92%) 12.63% 8.49%
Return on assets 3.48% 2.29% 2.16%
Return on invested capital 14.77% 4.89% 4.09%

Growth

Metric PMTS RM Credit Services median
Revenue growth (TTM) 16.91% 9.63% 4.62%
EPS growth (last fiscal year) (23.78%) 7.49% 21.94%
Revenue growth, 5-year CAGR 11.73% 11.54% 9.13%
Net income growth, 5-year CAGR (1.51%) 10.69% 0.00%

Health

Metric PMTS RM Credit Services median
Debt to equity (22.85) 4.42 0.68
Current ratio 2.09 64.04 1.55
Net debt to EBITDA 3.37 10.79 0.13

Dividend

Metric PMTS RM Credit Services median
Dividend yield — 3.49% 1.64%
Payout ratio — 0.25 0.22

Size

Metric PMTS RM Credit Services median
Market cap 297.91m 318.02m 751.08m

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