PMTS Stock Financial Analysis - CPI Card Group Inc. (NasdaqGM) Stock

Overview

CPI Card Group Inc., based in the United States, operates primarily in the financial and security card production industry. The company is a leading provider in the design, production, data security, and related services for financial payment cards, including EMV chip and magnetic stripe debit, credit, and prepaid cards. CPI Card Group also engages in creating innovative card solutions like dual-interface and metal cards, catering to evolving consumer and financial industry demands. Their key projects often focus on enhancing card security features, customization, and the integration of mobile technology, aiming to streamline card issuance systems and improve client engagement through technological advancements. The firm's commitment to sustainability is evident in its development of eco-focused card materials, which align with the broader industry's push towards environmental responsibility.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for CPI Card Group Inc. as of June 30, 2025 is 502.36 MM.
The operating income for CPI Card Group Inc. as of June 30, 2025 is 59.56 MM.
The net income for CPI Card Group Inc. as of June 30, 2025 is 13.36 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	502.36	59.56	13.36
2025-03-31	491.43	62.75	18.84
2024-12-31	480.60	62.79	19.52
2024-09-30	458.38	57.39	15.48
2024-06-30	439.49	52.55	18.05
2024-03-31	435.63	55.14	18.57
2023-12-31	444.55	61.59	23.98
2023-09-30	468.11	73.70	33.73
2023-06-30	486.82	84.19	41.78
2023-03-31	485.17	81.75	41.41
2022-12-31	475.75	79.13	36.54
2022-09-30	442.51	65.69	24.74
2022-06-30	417.54	58.94	19.45
2022-03-31	397.45	59.68	19.53
2021-12-31	375.12	59.46	15.94
2021-09-30	366.05	62.70	22.55
2021-06-30	349.15	59.48	21.74
2021-03-31	327.31	48.66	16.78
2020-12-31	312.19	38.39	16.13
2020-09-30	300.67	29.61	6.45

Income Statement: EPS

The earnings per share basic for CPI Card Group Inc. as of June 30, 2025 is 1.19.
The earnings per share diluted for CPI Card Group Inc. as of June 30, 2025 is 1.11.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	1.19	1.11
2025-03-31	1.69	1.58
2024-12-31	1.75	1.64
2024-09-30	1.38	1.30
2024-06-30	1.60	1.52
2024-03-31	1.63	1.56
2023-12-31	2.10	2.01
2023-09-30	2.96	2.85
2023-06-30	3.68	3.52
2023-03-31	3.66	3.51
2022-12-31	3.24	3.11
2022-09-30	2.20	2.11
2022-06-30	1.73	1.66
2022-03-31	1.74	1.66
2021-12-31	1.42	1.36
2021-09-30	2.01	1.94
2021-06-30	1.94	1.90
2021-03-31	1.49	1.48
2020-12-31	1.44	1.44
2020-09-30	0.57	0.57

Cash Flow: Operations, Investing, Financing

The cash from operating activities for CPI Card Group Inc. as of June 30, 2025 is 49.14 MM.
The cash from investing activities for CPI Card Group Inc. as of June 30, 2025 is -57.98 MM.
The cash from financing activities for CPI Card Group Inc. as of June 30, 2025 is 18.48 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	49.14	-57.98	18.48
2025-03-31	40.04	-12.97	-12.70
2024-12-31	43.31	-9.22	-12.96
2024-09-30	28.43	-4.53	-19.72
2024-06-30	27.83	-2.50	-29.00
2024-03-31	34.91	-3.63	-28.28
2023-12-31	34.04	-6.22	-26.44
2023-09-30	41.89	-9.32	-43.62
2023-06-30	49.81	-16.07	-31.62
2023-03-31	55.30	-18.72	-34.52
2022-12-31	31.34	-17.77	-23.16
2022-09-30	17.43	-19.59	2.88
2022-06-30	-10.66	-14.54	3.62
2022-03-31	4.12	-10.70	-6.17
2021-12-31	20.23	-9.92	-47.23
2021-09-30	26.35	-8.44	-47.42
2021-06-30	32.74	-9.00	-47.58
2021-03-31	18.98	-8.52	-32.52
2020-12-31	22.01	-7.09	23.98
2020-09-30	16.03	-4.05	24.06

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/book for CPI Card Group Inc. as of June 30, 2025 is -9.01.
The p/tbv for CPI Card Group Inc. as of June 30, 2025 is -3.09.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30		-9.01	-3.09
2025-03-31		-9.09	-3.47
2024-12-31		-8.13	-3.43
2024-09-30	16.70	-6.76	-2.90
2024-06-30	16.13	-6.18	-2.75
2024-03-31		-3.95	-1.81
2023-12-31	6.52	-3.88	-1.85
2023-09-30	5.09	-3.37	-1.68
2023-06-30	6.19	-3.62	-1.90
2023-03-31	14.05	-6.26
2022-12-31	16.68	-4.38	-2.57
2022-09-30		-1.64	-1.01
2022-06-30		-1.65	-1.04
2022-03-31	10.40	-1.37	-0.87
2021-12-31	9.27	-1.71	-1.09
2021-09-30	17.92	-3.01	-1.94
2021-06-30
2021-03-31	8.13	-1.01	-0.66
2020-12-31	8.46	-0.99	-0.65
2020-09-30	21.16	-0.94	-0.62

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for CPI Card Group Inc. as of June 30, 2025 is 0.05.
The ebit (3y)/ev for CPI Card Group Inc. as of June 30, 2025 is 0.07.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.05	0.07
2025-03-31	0.04	0.06
2024-12-31	0.03	0.06
2024-09-30	0.05	0.06
2024-06-30	0.05	0.07
2024-03-31	0.08	0.08
2023-12-31	0.10	0.08
2023-09-30	0.12	0.08
2023-06-30	0.10	0.07
2023-03-31	0.06	0.04
2022-12-31	0.05	0.03
2022-09-30	0.06	0.04
2022-06-30	0.06	0.04
2022-03-31	0.05	0.03
2021-12-31	0.06	0.03
2021-09-30	0.04	0.01
2021-06-30
2021-03-31	0.04	0.00
2020-12-31	0.03	-0.01
2020-09-30	0.01	-0.03

Management Effectiveness

The roa for CPI Card Group Inc. as of June 30, 2025 is 0.06.
The roic for CPI Card Group Inc. as of June 30, 2025 is 0.06.
The croic for CPI Card Group Inc. as of June 30, 2025 is 0.05.
The ocroic for CPI Card Group Inc. as of June 30, 2025 is 0.14.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.06		0.06	0.05	0.14
2025-03-31	0.06		0.07	0.08	0.16
2024-12-31	0.05		0.06	0.02	0.11
2024-09-30	0.06		0.07	-0.01	0.11
2024-06-30	0.06		0.08	0.01	0.14
2024-03-31	0.08		0.10	0.01	0.14
2023-12-31	0.11		0.14	-0.04	0.17
2023-09-30	0.14		0.17	0.01	0.20
2023-06-30	0.14		0.17	0.01	0.20
2023-03-31	0.13		0.17	0.01	0.23
2022-12-31	0.10		0.10	0.00	0.07
2022-09-30	0.08		0.10	0.00	0.07
2022-06-30	0.08		0.09	-0.10	-0.05
2022-03-31	0.06		0.09	-0.06	0.02
2021-12-31	0.08		0.08	-0.18	0.14
2021-09-30	0.09		0.12	-0.15	0.17
2021-06-30	0.09		0.12	-0.13	0.17
2021-03-31	0.07		0.08	-0.11	0.09
2020-12-31	0.08	-0.11	0.08	0.18	0.10
2020-09-30	0.03		0.03	0.18	0.08

Gross Margins

The gross margin for CPI Card Group Inc. as of June 30, 2025 is 0.37.
The net margin for CPI Card Group Inc. as of June 30, 2025 is 0.04.
The operating margin for CPI Card Group Inc. as of June 30, 2025 is 0.13.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.37	0.04	0.13
2025-03-31	0.38	0.04	0.13
2024-12-31	0.38	0.03	0.13
2024-09-30	0.38	0.04	0.12
2024-06-30	0.38	0.04	0.13
2024-03-31	0.37	0.05	0.14
2023-12-31	0.38	0.07	0.16
2023-09-30	0.39	0.09	0.17
2023-06-30	0.39	0.09	0.17
2023-03-31	0.39	0.09	0.17
2022-12-31	0.38	0.06	0.15
2022-09-30	0.38	0.06	0.15
2022-06-30	0.39	0.05	0.14
2022-03-31	0.40	0.05	0.15
2021-12-31	0.41	0.04	0.16
2021-09-30	0.41	0.06	0.17
2021-06-30	0.41	0.06	0.17
2021-03-31	0.40	0.05	0.15
2020-12-31	0.39	0.05	0.12
2020-09-30	0.37	0.02	0.10