Stocks · Financial Services · Financial - Credit Services
CPI Card Group Inc. PMTS
$24.86 +0.89% Close, Oct 2, 2026 · NASDAQ · Market cap $285.3M
Strong trendHigh risk
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 21.6× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- Net debt is 3.3× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 103 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 26%
- EPS growth (TTM, YoY)Bottom 31%
- FCF growth (TTM, YoY)Top 14%
- Revenue growth, 3-year CAGRBottom 16%
- Revenue growth accelerationTop 34%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 12%
- Gross marginBottom 11%
- Operating marginBottom 20%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 6%
- Net debt / EBITDA (lower is better)Bottom 33%
- Interest coverTop 34%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 39%
- Free-cash-flow yieldTop 10%
- EBITDA / enterprise valueTop 13%
- Sales / enterprise valueTop 10%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 1%
- 6-month returnTop 2%
- 1-year return vs S&P 500Top 3%
- Distance from 52-week highBottom 24%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 14%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 41%
- Upside to consensus price targetTop 27%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 8%
- Maximum drawdown, 3 yearsBottom 8%
- Beta vs S&P 500 (lower is better)Bottom 5%
- Net debt / EBITDA (lower is better)Bottom 33%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 15.6% | 16.9% | ↑ |
| EPS growth (YoY) | -35.6% | 2.4% | ↑ |
| Gross margin | 33.5% | 31.0% | ↓ |
| Operating margin | 11.4% | 9.2% | ↓ |
| FCF margin | 6.7% | 13.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 16.9% | 15.6% | ↑ | Top 26% |
| EPS growth (TTM, YoY) | 2.4% | -35.6% | ↑ | Bottom 31% |
| Gross margin | 31.0% | 33.5% | ↓ | Bottom 11% |
| Operating margin | 9.2% | 11.4% | ↓ | Bottom 20% |
| Net margin | 2.3% | 2.7% | ↓ | — |
| Free-cash-flow margin | 13.0% | 6.7% | ↑ | — |
| Return on invested capital | 11.1% | — | Top 12% | |
| Revenue growth, 3-year CAGR | 4.5% | — | Bottom 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -20.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -15.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +20.1%
- Average 2-day reaction, last 8
- -3.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $31.00
- Target vs current price
- +24.7%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 55%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -6.7% | +7.6% | +30.1% | +27.6% | — |
| May 5, 2026 | +58.3% | -6.8% | -10.8% | -2.4% | +20.0% |
| Mar 5, 2026 | +54.0% | +41.3% | +28.8% | +21.2% | +36.2% |
| Nov 4, 2025 | -25.4% | -20.8% | -20.4% | -22.1% | -25.9% |
| Aug 8, 2025 | -92.9% | -28.8% | -15.6% | -23.2% | -16.0% |
| May 7, 2025 | -28.6% | -20.4% | -8.8% | -15.4% | -26.0% |
| Mar 4, 2025 | +9.6% | -6.7% | -11.4% | -8.5% | -31.9% |
| Nov 5, 2024 | -78.0% | +7.1% | +22.0% | +49.6% | +25.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.43 | $0.46 | -6.7% | $149.2M |
| May 5, 2026 | $0.38 | $0.24 | +58.3% | $147.1M |
| Mar 5, 2026 | $0.77 | $0.50 | +54.0% | $153.1M |
| Nov 4, 2025 | $0.47 | $0.63 | -25.4% | $138.0M |
| Aug 8, 2025 | $0.04 | $0.56 | -92.9% | $129.8M |
| May 7, 2025 | $0.40 | $0.56 | -28.6% | $122.8M |
| Mar 4, 2025 | $0.57 | $0.52 | +9.6% | $125.1M |
| Nov 5, 2024 | $0.11 | $0.50 | -78.0% | $124.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 21.6× | 11.6× | 100th | Bottom 39% |
| P/E (forward) | 8.3× | — | — | — |
| EV / EBITDA | 6.9× | — | — | Top 13% |
| EV / Sales | 0.92× | — | — | Top 10% |
| Free-cash-flow yield | 26.83% | — | — | Top 10% |
| Earnings yield | 4.63% | — | — | Bottom 39% |
P/E over the past five years
Range 5.0× – 21.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +63.3%
- Earnings per share growth (TTM)
- +2.4%
- Change in P/E multiple
- +80.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 103
- 50-day average slope (20 days)
- +9.2%
- 200-day average slope (20 days)
- +6.1%
- Distance from 50-day average
- -3.7%
- Distance from 200-day average
- +35.2%
- RSI (14)
- 46.7
- Relative volume
- 0.49×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 61.5%
- Volatility vs own 5-year history
- 25th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.76
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -18.5%
- Maximum drawdown, 3 years
- -67.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 31, 2023 | Feb 12, 2026 | -74.9% | 719 days | Not yet recovered |
| Sep 14, 2021 | Apr 26, 2022 | -70.7% | 155 days | 174 days (Jan 4, 2023) |
| Jan 26, 2021 | Feb 1, 2021 | -30.2% | 4 days | 17 days (Feb 25, 2021) |
| Jun 8, 2021 | Jul 20, 2021 | -25.7% | 29 days | 16 days (Aug 11, 2021) |
| Mar 22, 2021 | Mar 31, 2021 | -25.4% | 7 days | 41 days (May 28, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $285.3M
- P/E (TTM)
- 21.6
- EPS, diluted (TTM)
- $1.15
- Revenue (TTM)
- $587.3M
- 52-week range
- $10.81 – $31.25
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $375.1M | $475.7M | $444.5M | $480.6M | $543.5M |
| Gross profit | $141.4M | $175.8M | $155.5M | $171.2M | $170.1M |
| Operating income | $59.5M | $79.1M | $61.6M | $62.8M | $54.8M |
| Net income | $15.9M | $36.5M | $24.0M | $19.5M | $14.9M |
| EPS (diluted) | $1.36 | $3.11 | $2.01 | $1.64 | $1.25 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $124.8M | $125.1M | $122.8M | $129.8M | $138.0M | $153.1M | $147.1M | $149.2M |
| Net income | $1.3M | $6.8M | $4.8M | $518,000 | $2.3M | $7.3M | $2.1M | $2.0M |
| EPS (diluted) | $0.11 | $0.57 | $0.40 | $0.04 | $0.19 | $0.62 | $0.17 | $0.17 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $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 |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | -$250,000 | -$8.7M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $21.4M
- Total assets
- $390.4M
- Total liabilities
- $401.9M
- Total debt
- $275.2M
- Net debt
- $253.8M
- Shareholders’ equity
- -$11.5M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jun 14, 2017 | $0.05 | Jul 7, 2017 |
| Mar 15, 2017 | $0.05 | Apr 7, 2017 |
| Dec 14, 2016 | $0.05 | Jan 12, 2017 |
| Sep 14, 2016 | $0.05 | Oct 7, 2016 |
| Jun 14, 2016 | $0.05 | Jul 7, 2016 |
| Mar 15, 2016 | $0.05 | Apr 7, 2016 |
Short interest
- Shares sold short
- 295,622
- Days to cover
- 1.00
- Change vs previous report
- +6.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 20, 2017
- 1-for-5