Stocktoria

CPI Card Group Inc. PMTS

Nasdaq · stock · Commercial Printing · website · IPO 2015-10-09

CPI Card Group Inc. statistics & valuation

Market cap$233.9M
P / E15.6×
P / S0.4×
P / FCF5.7×
Net margin2.8%
FCF margin7.6%
Net debt$265.0M
Net debt / EBITDA3.4×
Enterprise value USD$498.8M
EV / EBITDA6.5×
Earnings yield EBIT/EV11%
Return on capital17.2%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
1.70% -8.60% -14.60% -1.80% 5.20% 4.20% 7.70% 5.40% 4.10% 2.80% 2016201720182019202020212022202320242025
Gross margin (%)
33.00% 26.80% 30.70% 32.80% 35.30% 37.70% 36.90% 35.00% 35.60% 31.30% 2016201720182019202020212022202320242025
Operating margin (%)
9.40% -7.60% 1.80% 8.90% 12.30% 15.90% 16.60% 13.90% 13.10% 10.10% 2016201720182019202020212022202320242025
Return on equity (%)
2016201720182019202020212022202320242025
Shares outstanding
11.2M 11.1M 11.2M 11.2M 11.2M 11.8M 11.7M 11.9M 11.9M 11.9M 2016201720182019202020212022202320242025
Net debt ($)
$265.0M $280.7M $285.5M $289.1M $279.1M $282.9M $274.5M $252.6M $246.9M $265.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
2.00% -9.40% -18.10% -2.40% 6.10% 5.90% 12.30% 8.20% 5.60% 3.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
14.80% -1.50% 0.60% -0.40% 4.80% 2.70% 2.80% 6.20% 7.10% 7.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
-$0.46 $1.44 $1.36 $3.11 $2.01 $1.64 $1.25 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CPI Card Group Inc. trades at about 23.7× earnings — above its 10-year norm (10-year range 4.6×–17.5×, median 10.4×).

4.6× 23.7×

Shaded band = 10-year range (4.6×–17.5×); dot = today's 23.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Gross margin31.3%35.6%35.0%36.9%37.7%35.3%32.8%30.7%26.8%33.0%
Operating margin10.1%13.1%13.9%16.6%15.9%12.3%8.9%1.8%-7.6%9.4%
Net margin2.8%4.1%5.4%7.7%4.2%5.2%-1.8%-14.6%-8.6%1.7%
FCF margin7.6%7.1%6.2%2.8%2.7%4.8%-0.4%0.6%-1.5%14.8%
Return on assets3.7%5.6%8.2%12.3%5.9%6.1%-2.4%-18.1%-9.4%2.0%
Return on equity-86.3%-54.8%-46.2%-44.5%-13.2%-11.7%3.3%24.8%18.4%-5.7%
Debt / equity-16.54×-7.87×-5.10×-3.48×-2.51×-2.44×-1.99×-2.03×-2.54×-3.17×
Current ratio2.442.693.342.462.252.682.212.052.912.62

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.