📊 PMTS Key Takeaways
Is CPI Card Group Inc. (PMTS) a Good Investment?
CPI Card Group demonstrates revenue growth of 13.1% YoY, but profitability is deteriorating with net income declining 23.4% despite top-line expansion, indicating severe operational and margin compression challenges. Most critically, the company maintains negative stockholders equity of -17.3M with total liabilities exceeding assets, representing balance sheet insolvency despite positive free cash flow generation. Elevated leverage with 286.7M in long-term debt and a 2.8% net margin creates unsustainable financial conditions.
Why Buy CPI Card Group Inc. Stock? PMTS Key Strengths
- Strong revenue growth of 13.1% YoY demonstrates market demand and top-line execution
- Positive free cash flow of 41.3M and healthy operating cash flow of 59.5M provide near-term liquidity buffer
- Solid short-term liquidity with current ratio of 2.44x and quick ratio of 1.58x
PMTS Stock Risks: CPI Card Group Inc. Investment Risks
- Negative stockholders equity of -17.3M indicates technical insolvency and negative book value
- Net income declined 23.4% YoY despite 13.1% revenue growth, signaling margin compression and operational deterioration
- Extreme leverage with 286.7M long-term debt and debt-to-assets ratio of 104%, creating refinancing and solvency risk
- Anemic net margin of 2.8% provides minimal buffer for operational disruptions or economic slowdown
Key Metrics to Watch
- Trend in gross and operating margins - stabilization critical given profitability decline
- Debt reduction trajectory and refinancing capacity given negative equity position
- Free cash flow sustainability as primary solvency indicator given balance sheet constraints
CPI Card Group Inc. (PMTS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 2.44x current ratio provides a solid financial cushion.
PMTS Profit Margin, ROE & Profitability Analysis
PMTS vs Services Sector: How CPI Card Group Inc. Compares
How CPI Card Group Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is CPI Card Group Inc. Stock Overvalued? PMTS Valuation Analysis 2026
Based on fundamental analysis, CPI Card Group Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
CPI Card Group Inc. Balance Sheet: PMTS Debt, Cash & Liquidity
PMTS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: CPI Card Group Inc.'s revenue has grown significantly by 45% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.64 reflects profitable operations.
PMTS Revenue Growth, EPS Growth & YoY Performance
PMTS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $124.8M | $1.3M | $0.11 |
| Q2 2025 | $118.8M | $518.0K | $0.04 |
| Q1 2025 | $111.9M | $4.8M | $0.40 |
| Q3 2024 | $105.9M | $1.3M | $0.11 |
| Q2 2024 | $115.0M | $6.0M | $0.51 |
| Q1 2024 | $111.9M | $5.5M | $0.46 |
| Q3 2023 | $105.9M | $3.9M | $0.33 |
| Q2 2023 | $113.3M | $6.2M | $0.52 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CPI Card Group Inc. Dividends, Buybacks & Capital Allocation
PMTS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for CPI Card Group Inc. (CIK: 0001641614)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PMTS
What is the AI rating for PMTS?
CPI Card Group Inc. (PMTS) has an AI rating of SELL with 76% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PMTS's key strengths?
Claude: Strong revenue growth of 13.1% YoY demonstrates market demand and top-line execution. Positive free cash flow of 41.3M and healthy operating cash flow of 59.5M provide near-term liquidity buffer.
What are the risks of investing in PMTS?
Claude: Negative stockholders equity of -17.3M indicates technical insolvency and negative book value. Net income declined 23.4% YoY despite 13.1% revenue growth, signaling margin compression and operational deterioration.
What is PMTS's revenue and growth?
CPI Card Group Inc. reported revenue of $543.5M.
Does PMTS pay dividends?
CPI Card Group Inc. pays dividends, with $7.5M distributed to shareholders in the trailing twelve months.
Where can I find PMTS SEC filings?
Official SEC filings for CPI Card Group Inc. (CIK: 0001641614) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PMTS's EPS?
CPI Card Group Inc. has a diluted EPS of $1.25.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PMTS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, CPI Card Group Inc. has a SELL rating with 76% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PMTS stock overvalued or undervalued?
Valuation metrics for PMTS: ROE of N/A (sector avg: 16%), net margin of 2.8% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy PMTS stock in 2026?
Our dual AI analysis gives CPI Card Group Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PMTS's free cash flow?
CPI Card Group Inc.'s operating cash flow is $59.5M, with capital expenditures of $18.2M. FCF margin is 7.6%.
How does PMTS compare to other Services stocks?
Vs Services sector averages: Net margin 2.8% (avg: 10%), ROE N/A (avg: 16%), current ratio 2.44 (avg: 1.5).