A Business at a Glance
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As used herein, “CPI,” “the Company,” “we,” “our” and similar terms refer to CPI Card Group Inc. and its subsidiaries, unless the context indicates otherwise. CPI is a payments technology company providing a comprehensive range of payment cards and related digital solutions. We are a leader in several areas of the U.S. payment card solutions market, including debit and credit card production, personalization, and Software-as-a-Service-based (“SaaS-based”) instant issuance services. We are also a market leader in the production of “Prepaid Debit Cards,” which we define as debit cards issued on the networks of the “Payment Card Brands” (Visa, Mastercard®, American Express® and Discover®) but not linked to a traditional bank account, and related secure packaging solutions. We serve thousands of customers through direct and indirect sales channels and have maintained long-standing relationships with our top customers.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 516M | 481M | 445M | 476M | 375M | 312M |
| Net Income | 14M | 20M | 24M | 37M | 16M | 16M |
| EPS | $1.20 | $1.64 | $2.01 | $3.11 | $1.36 | $1.44 |
| Free Cash Flow | 28M | 34M | 28M | 13M | 10M | 15M |
| ROIC | 14.3% | 23.8% | 21.4% | 30.6% | 24.6% | 34.2% |
| Gross Margin | 31.9% | 35.6% | 35.0% | 36.9% | 37.7% | 35.3% |
| Debt/Equity | 0.00 | -7.87 | -5.10 | -3.48 | -2.51 | -2.38 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 52M | 63M | 62M | 79M | 59M | 38M |
| Operating Margin | 10.2% | 13.1% | 13.9% | 16.6% | 15.9% | 12.3% |
| ROE | 0.0% | - | - | - | - | - |
| Shares Outstanding | 11M | 12M | 12M | 12M | 12M | 11M |
CPI Card Group Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
CPI Card Group Inc. trades at 14.9x trailing earnings, compared to its 15-year median P/E of 13.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.3x vs a median of 13.8x. The company's 5-year average ROIC is 26.9% with a gross margin of 36.1%. Total shareholder yield (buybacks) is 4.3%. At current prices, the estimated annualized return to fair value is +63.0%.
CPI Card Group Inc. (PMTS) has a current P/E ratio of 14.9, compared to its historical median P/E of 13.2. The stock is currently considered Fair based on its historical valuation range.
CPI Card Group Inc. (PMTS) has a 5-year average return on invested capital (ROIC) of 26.9%. This indicates strong capital allocation and a potential competitive advantage.
CPI Card Group Inc. (PMTS) has a market capitalization of $204M. It is classified as a small-cap stock.
CPI Card Group Inc. (PMTS) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 4.26%.
Based on historical P/E analysis, CPI Card Group Inc. (PMTS) appears fair. The current P/E of 14.9 is 13% above its historical median of 13.2. The estimated fair value CAGR (P/E method) is 17.5%.
CPI Card Group Inc. (PMTS) operates in the Commercial Printing industry, within the Communication Services sector.
CPI Card Group Inc. (PMTS) reported annual revenue of $481 million in its most recent fiscal year, based on SEC EDGAR filings.
CPI Card Group Inc. (PMTS) has a net profit margin of 4.1%. This is a modest margin.
CPI Card Group Inc. (PMTS) generated $34 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CPI Card Group Inc. (PMTS) reported earnings per share (EPS) of $1.64 in its most recent fiscal year.
CPI Card Group Inc. (PMTS) has a 5-year average gross margin of 36.1%. This indicates decent pricing power.
The Ledger Terminal provides 11 years of financial data for CPI Card Group Inc. (PMTS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CPI Card Group Inc. (PMTS) has a book value per share of $-2.99, based on its most recent annual SEC filing.