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Company Analysis

CPI Card Group Inc. PMTS

A comprehensive view of key metrics, scores, and financial health for CPI Card Group Inc.

Overview of CPI Card Group Inc.

PMTS NGM
Financial Services Credit Services Framework: Banks & Lenders Micro Cap
CPI Card Group Inc. (PMTS), is a Micro Cap company, in the Credit Services industry, last closed at $23.69, about 0.0% overvalued vs fair value, +66.6% 1Y return, ranked 565/1078 in sector.
Metrics P/E 11.7× Rev Growth 13.1% ROE -56.5% Gross Margin 31.3%
USD 23.69
-9.41%
(Delayed)
• Vol 90d: 57.5%
52-Week Range
Market Cap
$273.20M
Enterprise Value
$513.97M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 88%
Confidence: 91%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.cpicardgroup.com
HQ Littleton, CO
Employees 1,500
Fiscal year Dec 31

Next Events

Earnings Nov 4 Call: Nov 4

Fair Value Snapshot

Bear Base Bull
$0
$0
$0
Current: $23.69

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$34.1M
Net Interest Income
-$32.5M
4.8%%
Total Revenue
$543.5M
13.1%%
Fee/Non-Interest Income
$576.0M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Assets
3.71%
Excellent

Net Income / Assets - efficiency of asset utilization

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Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
1/2
Improving
0
High Impact
0
Critical
Locked Leak
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Competitive Advantage Assessment

Evaluating CPI Card Group Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.84).

Key risks

  • Returns Squeezed by Funding Costs Returns are weak for a debt-funded lender (profitability score 0.34).
  • Operational Inefficiency Operational efficiency lags peers (score 0.34).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Developing
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 57% Coverage
Trade-Off Triangle Visualization A ternary plot showing PMTS's balance between Growth (43.2%), Profitability (55.2%), and Safety (1.6%). Growth 43% Safety 2% Profitability 55%

Click axes to expand details. Marker shows current allocation.

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Growth

47th percentile vs peers
47
Key Signals
Asset Growth YoY 15.3% 84p NII Growth YoY 4.8% 30p EPS Growth YoY -23.7% 14p
Strengths
  • Asset Growth YoY in top 20% of peers (15.3%, 84th percentile)
  • Efficiency Ratio in top 20% of peers (21.2%, 98th percentile)
  • ROA in top 20% of peers (4.0%, 97th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-23.7%)

Profitability

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

1th percentile vs peers
2
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CPI Card Group Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Base
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Snapshot base estimate
Bull
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Fair Value Range Current: $-
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