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PMTS

CPI Card Group NasdaqGM:PMTS Stock Report

Last Price

US$17.60

Market Cap

US$198.1m

7D

27.4%

1Y

-9.2%

Updated

27 Jun, 2022

Data

Company Financials +
PMTS fundamental analysis
Snowflake Score
Valuation4/6
Future Growth3/6
Past Performance2/6
Financial Health0/6
Dividends0/6

PMTS Stock Overview

CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards.

CPI Card Group Competitors

Price History & Performance

Summary of all time highs, changes and price drops for CPI Card Group
Historical stock prices
Current Share PriceUS$17.60
52 Week HighUS$38.92
52 Week LowUS$10.18
Beta1.39
1 Month Change-3.73%
3 Month Change21.72%
1 Year Change-9.16%
3 Year Change587.50%
5 Year Change13.55%
Change since IPO-71.08%

Recent News & Updates

Shareholder Returns

PMTSUS TechUS Market
7D27.4%7.6%6.3%
1Y-9.2%3.8%-18.8%

Return vs Industry: PMTS underperformed the US Tech industry which returned 5% over the past year.

Return vs Market: PMTS exceeded the US Market which returned -18.4% over the past year.

Price Volatility

Is PMTS's price volatile compared to industry and market?
PMTS volatility
PMTS Average Weekly Movement12.5%
Tech Industry Average Movement9.1%
Market Average Movement8.1%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market3.2%

Stable Share Price: PMTS is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 13% a week.

Volatility Over Time: PMTS's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

FoundedEmployeesCEOWebsite
20071,150Scott Scheirmanhttps://www.cpicardgroup.com

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 Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces financial payment cards and provides integrated card services to card-issuing banks.

CPI Card Group Fundamentals Summary

How do CPI Card Group's earnings and revenue compare to its market cap?
PMTS fundamental statistics
Market CapUS$198.10m
Earnings (TTM)US$19.53m
Revenue (TTM)US$397.45m

10.1x

P/E Ratio

0.5x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PMTS income statement (TTM)
RevenueUS$397.45m
Cost of RevenueUS$243.85m
Gross ProfitUS$153.60m
Other ExpensesUS$134.07m
EarningsUS$19.53m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.74
Gross Margin38.65%
Net Profit Margin4.91%
Debt/Equity Ratio-275.6%

How did PMTS perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is PMTS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PMTS?

Other financial metrics that can be useful for relative valuation.

PMTS key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.3x
Enterprise Value/EBITDA7x
PEG Ratio0.4x

Price to Earnings Ratio vs Peers

How does PMTS's PE Ratio compare to its peers?

PMTS PE Ratio vs Peers
The above table shows the PE ratio for PMTS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average68.5x
HEAR Turtle Beach
94.5x62.8%US$227.4m
IMMR Immersion
12.2x-1.7%US$188.9m
OSS One Stop Systems
27.5x34.9%US$78.9m
KODK Eastman Kodak
140xn/aUS$419.9m
PMTS CPI Card Group
10.1x28.9%US$198.1m

Price-To-Earnings vs Peers: PMTS is good value based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (68.5x).


Price to Earnings Ratio vs Industry

How does PMTS's PE Ratio compare vs other companies in the US Tech Industry?

Price-To-Earnings vs Industry: PMTS is good value based on its Price-To-Earnings Ratio (10.1x) compared to the US Tech industry average (14.7x)


Price to Earnings Ratio vs Fair Ratio

What is PMTS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PMTS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.1x
Fair PE Ratio30.9x

Price-To-Earnings vs Fair Ratio: PMTS is good value based on its Price-To-Earnings Ratio (10.1x) compared to the estimated Fair Price-To-Earnings Ratio (30.9x).


Share Price vs Fair Value

What is the Fair Price of PMTS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate PMTS's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate PMTS's fair value for valuation analysis.


Price to Earnings Growth Ratio

PEG Ratio: PMTS is good value based on its PEG Ratio (0.4x)


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Future Growth

How is CPI Card Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

Future Growth Score

3/6

Future Growth Score 3/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


28.9%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PMTS's forecast earnings growth (28.9% per year) is above the savings rate (1.9%).

Earnings vs Market: PMTS's earnings (28.9% per year) are forecast to grow faster than the US market (13.9% per year).

High Growth Earnings: PMTS's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: PMTS's revenue (7.5% per year) is forecast to grow slower than the US market (8.4% per year).

High Growth Revenue: PMTS's revenue (7.5% 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


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Past Performance

How has CPI Card Group performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


63.5%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: PMTS has high quality earnings.

Growing Profit Margin: PMTS's current net profit margins (4.9%) are lower than last year (5.1%).


Past Earnings Growth Analysis

Earnings Trend: PMTS has become profitable over the past 5 years, growing earnings by 63.5% per year.

Accelerating Growth: PMTS's earnings growth over the past year (16.1%) is below its 5-year average (63.5% per year).

Earnings vs Industry: PMTS earnings growth over the past year (16.1%) underperformed the Tech industry 67.6%.


Return on Equity

High ROE: PMTS's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


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Financial Health

How is CPI Card Group's financial position?

Financial Health Score

0/6

Financial Health Score 0/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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.

Debt Coverage: PMTS's debt is not well covered by operating cash flow (1.3%).

Interest Coverage: PMTS's interest payments on its debt are not well covered by EBIT (2x coverage).


Balance Sheet


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Dividend

What is CPI Card Group current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate PMTS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate PMTS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent 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.


Earnings Payout to Shareholders

Earnings Coverage: PMTS is not paying a notable dividend for the US market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as PMTS has not reported any payouts.


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Management

How experienced are the management team and are they aligned to shareholders interests?

0.7yrs

Average management tenure


CEO

Scott Scheirman (58 yo)

4.67yrs

Tenure

US$4,288,431

Compensation

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 of JKL Ventures LLC. Prior to joining the C...


CEO Compensation Analysis

Compensation vs Market: Scott's total compensation ($USD4.29M) is above average for companies of similar size in the US market ($USD1.69M).

Compensation vs Earnings: Scott's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: PMTS's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: PMTS's board of directors are considered experienced (5.7 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

CPI Card Group Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: CPI Card Group Inc.
  • Ticker: PMTS
  • Exchange: NasdaqGM
  • Founded: 2007
  • Industry: Technology Hardware, Storage and Peripherals
  • Sector: Tech
  • Implied Market Cap: US$198.096m
  • Shares outstanding: 11.26m
  • Website: https://www.cpicardgroup.com

Number of Employees


Location

  • CPI Card Group Inc.
  • 10368 West Centennial Road
  • Littleton
  • Colorado
  • 80127
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/27 00:00
End of Day Share Price2022/06/27 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.