CPI Card Group Inc.
PMTS Nasdaq· Commercial Printing
Last close · Oct 26, 2026
$26.26
KIRA · Stoqly’s AI analyst, in plain words
- CPI Card Group Inc. had $544M of revenue in fiscal 2025, up 13.1% on the year before. Over five years, revenue changed +11.7% a year on average.
- Its operating margin was 10.1%, down 3.0 pts: of every 100 in sales, about 10 is left after running the business.
- CPI Card Group Inc. made $15.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.2% a year.
- Free cash flow was $41.3M in fiscal 2025, 7.6% of revenue.
- CPI Card Group Inc. owes $296M more than it holds in cash, about 3.8 years of operating profit.
Market cap
$316M
P/E
22.8x
Revenue
$544M
Net income
$15.0M
Free cash flow
$41.3M
Operating margin
10.1%
CPI Card Group Inc. in 30 seconds · fiscal 2025
Are sales growing?
+13.1%
Yes. Sales grew 13.1% last year.
Does it make a profit?
2.8%
A little. It keeps 2.8% of every sale as profit.
Does profit turn into cash?
7.6%
Partly. 7.6% of sales ends up as free cash.
Is debt under control?
3.8x
Heavy. Repaying its debt would take 3.8 years of operating profit.
How healthy are the accounts?
4 / 9
Mixed. It passes 4 of 9 health tests.
How is the share priced?
22.8x
One share costs 22.8 times its yearly profit per share.
What CPI Card Group Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- CPI Card Group Inc.
- CIK
- 0001641614
CPI Card Group Inc. · PMTS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $375M | $476M | $445M | $481M | $544M |
| Revenue growth | 20.2% | 26.8% | −6.6% | 8.1% | 13.1% |
| Gross margin | 37.7% | 36.9% | 35.0% | 35.6% | 31.3% |
| Operating margin | 15.9% | 16.6% | 13.9% | 13.1% | 10.1% |
| Net income | $15.9M | $36.5M | $24.0M | $19.5M | $15.0M |
| Net margin | 4.2% | 7.7% | 5.4% | 4.1% | 2.8% |
| Diluted EPS | $1.36 | $3.11 | $2.01 | $1.64 | $1.25 |
| Cash | |||||
| Cash from operations | $20.2M | $31.3M | $34.0M | $43.3M | $59.5M |
| Capital expenditure | $10.1M | $17.9M | $6.4M | $9.3M | $18.2M |
| Free cash flow | $10.2M | $13.5M | $27.6M | $34.1M | $41.3M |
| FCF margin | 2.7% | 2.8% | 6.2% | 7.1% | 7.6% |
| Share buybacks | — | — | $0.3M | $8.7M | — |
| Share count change | 4.7% | −0.1% | 1.4% | −0.3% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $20.7M | $11.0M | $12.4M | $33.5M | $21.7M |
| Debt incl. finance leases | $309M | $296M | $283M | $303M | $318M |
| Shareholders' equity | −$121M | −$82.1M | −$51.9M | −$35.6M | −$17.3M |
| Net debt / EBITDA | 3.9x | 3.0x | 3.5x | 3.4x | 3.8x |
| Current ratio | 2.2x | 2.5x | 3.3x | 2.7x | 2.4x |
| Returns and quality | |||||
| Return on capital | 24.6% | 30.6% | 21.4% | 23.2% | 15.4% |
| Piotroski F-score | 6 | 7 | 5 | 6 | 4 |
| Altman Z'' | 3.0 | 4.1 | 4.4 | 4.2 | 3.5 |
Insiders bought, 12 months
$15.0M
5 insiders
Insiders sold, 12 months
$83.7M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
CPI Card Group Inc. · PMTS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $26.26 a share, the company is worth $316M: 22.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001641614). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.