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CPI Card Group Inc. (PMTS) vs TROOPS, Inc. (TROO)

CPI Card Group Inc. and TROOPS, Inc. are both Credit Services companies. CPI Card Group Inc. is the larger, with a market value of $286.3M against $212.6M — 1.3× the size. TROOPS, 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 −23.0%. CPI Card Group Inc. has the higher net margin (2.71% vs −115.9%) and the higher return on invested capital (15.5% vs 0.00%). Across the 16 metrics below, CPI Card Group Inc. leads on 12 and TROOPS, Inc. on 4.

Valuation

Metric PMTS TROO Credit Services median
P/E 17.12 n/m 8.96
P/S 0.47 n/m 1.00
P/B n/m n/m 1.23
Price to free cash flow 3.48 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.84% (4.57%) 7.17%
Free cash flow yield 28.71% 0.00% 11.75%

Profitability

Metric PMTS TROO Credit Services median
Gross margin 31.45% (10.20%) 76.61%
Operating margin 9.35% 0.00% 0.34%
Net margin 2.71% (115.89%) 8.35%
Free cash flow margin 13.39% 0.00% 8.73%
Return on equity (100.73%) 0.00% 9.05%
Return on assets 4.16% 0.00% 1.94%
Return on invested capital 15.51% 0.00% 4.56%

Growth

Metric PMTS TROO Credit Services median
Revenue growth (TTM) 17.87% (23.02%) 4.49%
EPS growth (last fiscal year) (23.78%) (76.92%) 21.94%
Revenue growth, 5-year CAGR 11.73% 31.83% 9.22%
Net income growth, 5-year CAGR (1.51%) 0.00% 0.00%

Health

Metric PMTS TROO Credit Services median
Debt to equity (35.72) 0.00 0.69
Current ratio 2.06 0.92 1.26
Net debt to EBITDA 3.37 0.15 0.11

Dividend

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

Size

Metric PMTS TROO Credit Services median
Market cap 286.32m 212.56m 759.73m

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