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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 $19.05, about 0.0% overvalued vs fair value, -14.7% 1Y return, ranked 876/1037 in sector.
USD 19.05
0.69%
(Delayed)
• Vol 90d: 80.6%
52-Week Range
Market Cap
$212.50M
Enterprise Value
$517.28M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 87%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$0
$0
$0
Current: $19.05

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
$-34.1M
-26.7%%
Total Revenue
$480.6M
8.1%%
Fee/Non-Interest Income
$514.7M
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
5.58%
Excellent

Net Income / Assets - efficiency of asset utilization

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.7M
44.5% of Net Income

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
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
11
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 73% Coverage
Trade-Off Triangle Visualization A ternary plot showing PMTS's balance between Growth (49.1%), Profitability (26.4%), and Safety (24.4%). Growth 49% Safety 24% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
40
Key Signals
Asset Growth YoY 19.1% 87p EPS Growth YoY -18.3% 22p NII Growth YoY -26.7% 3p
Strengths
  • Asset Growth YoY in top 20% of peers (19.1%, 87th percentile)
  • ROA in top 20% of peers (6.1%, 97th percentile)
  • Debt/Assets in top 20% of peers (82.8%, 96th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-26.7%)

Profitability

21th percentile vs peers
22
Key Signals
Strengths
Risks
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Safety

20th percentile vs peers
20
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
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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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