CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards.
Imperfect balance sheet with weak fundamentals.
Share Price & News
How has CPI Card Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PMTS has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: PMTS underperformed the Canadian Tech industry which returned 81.9% over the past year.
Return vs Market: PMTS underperformed the Canadian Market which returned 5.8% over the past year.
Price Volatility Vs. Market
How volatile is CPI Card Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is CPI Card Group undervalued compared to its fair value and its price relative to the market?
In this section, we usually try to help investors determine whether CPI Card Group is trading at an attractive price based on the cash flow it is expected to produce in the future. But as CPI Card Group has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.
This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.
- Take a look at our analysis of PMTS’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through CPI Card Group regulatory filings.
- Explore potentially undervalued companies in the Tech industry.
How is CPI Card Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if PMTS's forecast earnings growth is above the savings rate (1.4%).
Earnings vs Market: Insufficient data to determine if PMTS's earnings are forecast to grow faster than the Canadian market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PMTS's revenue (3.4% per year) is forecast to grow slower than the Canadian market (4.9% per year).
High Growth Revenue: PMTS's revenue (3.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if PMTS's Return on Equity is forecast to be high in 3 years time
How has CPI Card Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PMTS is currently unprofitable.
Growing Profit Margin: PMTS is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: PMTS is unprofitable, and losses have increased over the past 5 years at a rate of -8.1% per year.
Accelerating Growth: Unable to compare PMTS's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PMTS is unprofitable, making it difficult to compare its past year earnings growth to the Tech industry (0.4%).
Return on Equity
High ROE: PMTS's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
Return on Assets
Return on Capital Employed
How is CPI Card Group's financial position?
Financial Position Analysis
Short Term Liabilities: PMTS has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: PMTS has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: PMTS has negative shareholder equity, which is a more serious situation than a high debt level.
Reducing Debt: PMTS's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Inventory Level: PMTS has a high level of physical assets or inventory.
Debt Coverage by Assets: PMTS has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable PMTS has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: PMTS is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by -40.6% per year.
What is CPI Card Group's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate PMTS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate PMTS's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PMTS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PMTS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: PMTS is not paying a notable dividend for the Canadian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PMTS's dividend in 3 years as they are not forecast to pay a notable one for the Canadian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Scott Scheirman (56yo)
Mr. Scott T. Scheirman has been President and Chief Executive Officer of CPI Card Group since October 5, 2017. Mr. Scheirman serves as Strategic Business Advisor and the Chief Executive Officer of JKL Vent ...
CEO Compensation Analysis
Compensation vs Market: Scott's total compensation ($USD2.36M) is above average for companies of similar size in the Canadian market ($USD155.16K).
Compensation vs Earnings: Scott's compensation has increased whilst the company is unprofitable.
|Senior VP and GM of Prepaid & Instant Issuance||2.1yrs||US$992.75k||0.017% $2.1k|
|Chief Financial Officer||1.6yrs||no data||no data|
|Chief Accounting Officer||1.8yrs||no data||no data|
|Chief Technology Officer||0.08yrs||no data||0.0076% $913.3|
|Head of Investor Relations||0yrs||no data||no data|
|Chief Legal & Compliance Officer and Corporate Secretary||2.2yrs||no data||no data|
|Chief Human Resources Officer||0.3yrs||no data||no data|
|Senior VP and GM of Secure Card & Personalization||1.6yrs||no data||no data|
Experienced Management: PMTS's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
|Independent Director||13.1yrs||US$127.50k||0.94% $112.9k|
|Independent Director||4.1yrs||US$120.00k||0.25% $30.3k|
|Independent Chairman of the Board||0yrs||no data||no data|
|Independent Director||13.1yrs||no data||no data|
|Independent Director||0.3yrs||no data||no data|
|Independent Director||1.8yrs||US$96.25k||0.17% $20.2k|
Experienced Board: PMTS's board of directors are considered experienced (3.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
CPI Card Group Inc.'s company bio, employee growth, exchange listings and data sources
- Name: CPI Card Group Inc.
- Ticker: PMTS
- Exchange: TSX
- Founded: 2007
- Industry: Technology Hardware, Storage and Peripherals
- Sector: Tech
- Market Cap: US$9.092m
- Listing Market Cap: US$12.048m
- Shares outstanding: 11.22m
- Website: https://www.cpicardgroup.com
Number of Employees
- CPI Card Group Inc.
- 10026 West San Juan Way
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PMTS||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 2015|
|PMTS||TSX (The Toronto Stock Exchange)||Yes||Common Stock||CA||CAD||Oct 2015|
|CPB1||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Oct 2015|
CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through U.S. Debit and Credit, U.S. Prepaid Debit, and Other segments. The U.S. Debit and Credit segment produces financial payment cards and provides integrated card services to card-issuing banks in the United States. Its products include EMV and non-EMV credit cards, debit cards, and prepaid debit cards issued on the networks of the payment card brands, as well as private label credit cards. This segment also provides various integrated card services, including card personalization and fulfillment, and instant issuance services. The U.S. Prepaid Debit segment primarily offers integrated card services comprising tamper-evident security packaging, and fulfillment services to prepaid debit card providers in the United States. It also produces financial payment cards issued on the networks of the payment card brands. The Other segment produces financial payment cards and retail gift cards, as well as offers card personalization and fulfillment services in Canada. The company serves national and regional banks, independent community banks, credit unions, prepaid debit card program managers, group service providers, and card transaction processors through field-based sales representatives in the United States, Canada, the United Kingdom, and internationally. The company was formerly known as CPI Holdings I, Inc. and changed its name to CPI Card Group Inc. in August 2015. CPI Card Group Inc. was founded in 2007 and is headquartered in Littleton, Colorado.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/17 01:29|
|End of Day Share Price||2020/02/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.