Symbols / PMTS Stock $16.04 +2.49% CPI Card Group Inc.

Financial Services • Credit Services • United States • NGM
PMTS (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. John D. Lowe CFA, CPA
Exch · Country NGM · United States
Market Cap 184.07M
Enterprise Value 501.25M
Income 12.23M
Sales 567.88M
FCF (ttm) 25.78M
Book/sh -1.22
Cash/sh 1.68
Employees 1,700
Insider 10d —
IPO Oct 08, 2015
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 15.73
Forward P/E 4.72
PEG 0.57
P/S 0.32
P/B -13.14
P/C —
EV/EBITDA 6.57
EV/Sales 0.88
Quick Ratio 1.45
Current Ratio 2.54
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.02
EPS next Y 3.40
EPS Growth -57.50%
Revenue Growth 19.80%
EPS Gr Q/Q -56.90%
Rev Gr Q/Q —
Earnings (next) 2026-05-05
Earnings (prior) 2026-05-05
ROA 8.76%
ROE —
ROIC —
Gross Margin 30.56%
Oper. Margin 7.47%
Profit Margin 2.15%
Shs Outstand 11.48M
Shs Float 6.01M
Insider Own 4.38%
Instit Own 73.84%
Short Float 4.17%
Short Ratio 6.68
Short Interest 295.98K
52W High 25.50
vs 52W High -37.10%
52W Low 10.81
vs 52W Low 48.38%
Beta 1.09
Impl. Vol. —
Rel Volume 0.37
Avg Volume 62.93K
Volume 23.24K
Target (mean) $27.50
Tgt Median $27.50
Tgt Low $25.00
Tgt High $30.00
# Analysts 4
Recom Strong_buy
Prev Close $15.65
Price $16.04
Change 2.49%
About

CPI Card Group Inc., together with its subsidiaries, provides physical and digital payment solutions for financial institutions, processors, fintechs, prepaid program managers, and other organizations in the United States. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces secure debit and credit cards, such as contact, contactless, eco-focused, and magnetic stripe cards; and provides card services, including digital services. This segment also provides personalization services, which include instant issuance solutions that provide customers with the ability to issue an instant personalized debit or credit card on-demand; and other payment solutions, such as digital push provisioning for mobile wallets. The Prepaid Debit segment primarily provides integrated card services comprising tamper-evident security packaging services. It also produces payment cards issued on the networks of the payment card brands. The company offers card data personalization and fulfillment services, SaaS -based instant card issuance and other digital solutions, an integrated end-to-end on-demand payment card solution, and Card@Once, a proprietary and patented SaaS -based instant card issuance system. It serves issuers of debit and credit cards, prepaid program managers, financial institution platform providers and card processor organizations, fintechs, small to mid-sized financial institutions, healthcare providers, entertainment venues, government disbursements, transit services, and others through sales representatives, customer relationships, and partners. 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 incorporated in 2007 and is headquartered in Littleton, Colorado.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$27.50
Mean price target
2. Current target
$16.04
Latest analyst target
3. DCF / Fair value
$40.44
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$16.04
Low
$25.00
High
$30.00
Mean
$27.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-11 main DA Davidson Buy → Buy $30
2026-02-18 main DA Davidson Buy → Buy $30
2025-11-10 main B. Riley Securities Buy → Buy $28
2025-11-05 main DA Davidson Buy → Buy $30
2025-11-05 main Lake Street Buy → Buy $25
2025-08-12 main DA Davidson Buy → Buy $32
2025-08-11 main Lake Street Buy → Buy $30
2025-05-08 main Lake Street Buy → Buy $35
2025-03-05 main DA Davidson Buy → Buy $38
2025-03-05 main B. Riley Securities Buy → Buy $34
2025-03-05 reit Roth MKM Buy → Buy $40
2025-02-25 main DA Davidson Buy → Buy $36
2024-12-04 main Lake Street Buy → Buy $37
2024-11-22 init DA Davidson — → Buy $36
2024-08-06 main Lake Street Buy → Buy $33
2024-03-08 main B. Riley Securities Buy → Buy $23
2024-02-23 init Roth MKM — → Buy $40
2023-09-19 init B. Riley Securities — → Buy $31
2023-05-10 main EF Hutton — → Buy $50
2023-04-18 init EF Hutton — → Buy $53
News
RSS: Latest PMTS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-11 CARMIGNANI DONNA ABBEY Officer — 4,870 $15.32 $74,608
2026-03-31 SORANNO KEATING VALERIE Director — 1,072 — —
2026-03-31 RILEY HUGH SANFORD Chairman of the Board — 1,072 — —
2026-03-31 FUREY THOMAS M Director — 1,072 — —
2026-03-31 SHEINBAUM MARC Director — 1,072 — —
2026-03-31 PETERS NICHOLAS A. Director — 1,072 — —
2026-03-31 OLESON LISA Director — 1,072 — —
2026-03-31 THOMPSON ANNTOINETTE Chief Operating Officer — 633 — —
2026-03-31 BOADA ERNESTO Chief Technology Officer — 577 — —
2026-03-31 DRAGOVICH DARREN Officer — 433 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
543.53
+13.09%
480.60
+8.11%
444.55
-6.56%
475.75
Operating Revenue
543.53
+13.09%
480.60
+8.11%
444.55
-6.56%
475.75
Cost Of Revenue
373.44
+20.70%
309.38
+7.03%
289.06
-3.64%
299.98
Reconciled Cost Of Revenue
373.44
+20.70%
309.38
+10.98%
278.77
-4.18%
290.95
Gross Profit
170.10
-0.66%
171.22
+10.12%
155.49
-11.54%
175.77
Operating Expense
115.25
+6.30%
108.43
+15.47%
93.90
-2.83%
96.64
Selling General And Administration
115.25
+6.30%
108.43
+22.86%
88.25
-2.78%
90.78
Total Expenses
488.69
+16.97%
417.81
+9.10%
382.96
-3.44%
396.62
Operating Income
54.84
-12.66%
62.79
+1.95%
61.59
-22.17%
79.13
Total Operating Income As Reported
54.84
-12.66%
62.79
+1.95%
61.59
-22.17%
79.13
EBITDA
77.30
-2.41%
79.21
+2.18%
77.52
-17.22%
93.65
Normalized EBITDA
77.59
-5.61%
82.20
+5.70%
77.76
-16.96%
93.65
Reconciled Depreciation
22.46
+36.79%
16.42
+3.07%
15.93
+7.02%
14.89
EBIT
54.84
-12.66%
62.79
+1.95%
61.59
-21.80%
78.76
Total Unusual Items
-0.29
+90.39%
-2.99
-1129.22%
-0.24
+48.73%
-0.47
Total Unusual Items Excluding Goodwill
-0.29
+90.39%
-2.99
-1129.22%
-0.24
+48.73%
-0.47
Special Income Charges
-0.29
+90.39%
-2.99
-1129.22%
-0.24
+48.73%
-0.47
Other Special Charges
0.29
-90.39%
2.99
+1129.22%
0.24
-48.73%
0.47
Net Income
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Pretax Income
21.74
-13.13%
25.03
-27.38%
34.46
-29.88%
49.15
Net Non Operating Interest Income Expense
-32.47
+4.76%
-34.09
-26.66%
-26.91
+9.13%
-29.62
Interest Expense Non Operating
—
—
26.91
-9.13%
29.62
Net Interest Income
-32.47
+4.76%
-34.09
-26.66%
-26.91
+9.13%
-29.62
Interest Expense
—
—
26.91
-9.13%
29.62
Other Income Expense
-0.64
+82.74%
-3.68
-1610.70%
-0.21
+41.42%
-0.37
Other Non Operating Income Expenses
-0.35
+49.64%
-0.69
-2567.86%
0.03
+107.63%
-0.37
Tax Provision
6.66
+20.89%
5.51
-47.45%
10.48
-16.90%
12.61
Tax Rate For Calcs
0.00
+39.09%
0.00
-27.63%
0.00
+18.29%
0.00
Tax Effect Of Unusual Items
-0.09
+86.64%
-0.66
-789.57%
-0.07
0.00
Net Income Including Noncontrolling Interests
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Net Income From Continuing Operation Net Minority Interest
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Net Income From Continuing And Discontinued Operation
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Net Income Continuous Operations
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Net Income Discontinuous Operations
—
—
—
—
Normalized Income
15.15
-30.67%
21.85
-9.54%
24.15
-33.90%
36.54
Net Income Common Stockholders
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Diluted EPS
1.25
-23.78%
1.64
-18.41%
2.01
-35.37%
3.11
Basic EPS
1.32
-24.57%
1.75
-16.67%
2.10
-35.19%
3.24
Basic Average Shares
11.33
+1.57%
11.15
-2.39%
11.43
+1.19%
11.29
Diluted Average Shares
11.92
+0.37%
11.88
-0.33%
11.92
+1.43%
11.75
Diluted NI Availto Com Stockholders
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Depreciation Amortization Depletion Income Statement
—
5.03
-10.95%
5.64
-3.60%
5.86
Depreciation And Amortization In Income Statement
—
5.03
-10.95%
5.64
-3.60%
5.86
Earnings From Equity Interest Net Of Tax
-0.13
0.00
—
—
Total Other Finance Cost
32.47
-4.76%
34.09
+26.66%
26.91
-9.13%
29.62
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
403.19
+15.31%
349.66
+19.06%
293.68
-1.01%
296.67
Current Assets
204.94
+0.94%
203.04
+22.77%
165.38
-1.31%
167.57
Cash Cash Equivalents And Short Term Investments
21.70
-35.31%
33.54
+170.23%
12.41
+12.47%
11.04
Cash And Cash Equivalents
21.70
-35.31%
33.54
+170.23%
12.41
+12.47%
11.04
Receivables
95.44
+11.63%
85.49
+15.96%
73.72
-8.51%
80.58
Accounts Receivable
95.90
+22.22%
78.46
+13.31%
69.25
+0.52%
68.89
Receivables Adjustments Allowances
-0.47
-150.54%
-0.19
+24.39%
-0.25
-12.84%
-0.22
Other Receivables
—
7.21
+52.66%
4.72
-60.34%
11.91
Taxes Receivable
—
—
—
0.17
Inventory
72.24
-0.57%
72.66
+2.93%
70.59
+3.21%
68.40
Raw Materials
61.56
-3.60%
63.86
-0.30%
64.06
+4.27%
61.43
Work In Process
3.87
+305.03%
0.95
—
—
Finished Goods
6.81
-13.15%
7.84
+19.94%
6.54
-36.52%
10.30
Prepaid Assets
—
—
—
—
Current Deferred Assets
—
—
—
7.38
Other Current Assets
15.56
+37.17%
11.35
+31.22%
8.65
+14.51%
7.55
Total Non Current Assets
198.25
+35.22%
146.62
+14.27%
128.31
-0.61%
129.10
Net PPE
108.43
+57.96%
68.65
+8.87%
63.05
+10.27%
57.18
Gross PPE
204.85
+41.98%
144.28
+11.42%
129.49
+8.72%
119.10
Accumulated Depreciation
-96.42
-27.48%
-75.63
-13.84%
-66.44
-7.29%
-61.92
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
91.63
+25.69%
72.90
+7.83%
67.61
-0.36%
67.86
Construction In Progress
4.75
-7.68%
5.14
+189.15%
1.78
-46.19%
3.30
Other Properties
75.58
+59.59%
47.36
+8.22%
43.76
+31.68%
33.23
Leases
32.89
+74.26%
18.88
+15.55%
16.34
+11.10%
14.70
Goodwill And Other Intangible Assets
67.31
+16.77%
57.64
-5.92%
61.27
-5.94%
65.14
Goodwill
48.76
+3.42%
47.15
+0.00%
47.15
+0.00%
47.15
Other Intangible Assets
18.54
+76.74%
10.49
-25.70%
14.12
-21.49%
17.99
Other Non Current Assets
22.51
+10.73%
20.32
+410.68%
3.98
-41.30%
6.78
Total Liabilities Net Minority Interest
420.52
+9.15%
385.28
+11.47%
345.62
-8.75%
378.74
Current Liabilities
84.10
+11.26%
75.59
+52.87%
49.45
-27.30%
68.01
Payables And Accrued Expenses
65.06
+7.76%
60.37
+48.63%
40.62
-19.03%
50.17
Payables
28.65
+14.63%
24.99
+90.77%
13.10
-49.78%
26.09
Accounts Payable
27.80
+72.44%
16.12
+25.94%
12.80
-47.47%
24.37
Other Payable
—
8.00
—
—
Current Accrued Expenses
36.41
+2.91%
35.38
+28.57%
27.52
+14.27%
24.08
Pensionand Other Post Retirement Benefit Plans Current
2.66
-42.88%
4.66
+599.25%
0.67
-92.22%
8.58
Total Tax Payable
0.84
-2.65%
0.87
+191.28%
0.30
-82.61%
1.71
Current Debt And Capital Lease Obligation
12.46
+37.42%
9.06
+23.87%
7.32
+28.45%
5.70
Current Capital Lease Obligation
12.46
+37.42%
9.06
+23.87%
7.32
+28.45%
5.70
Current Deferred Liabilities
3.92
+163.70%
1.49
+76.79%
0.84
-76.48%
3.57
Current Deferred Revenue
3.92
+163.70%
1.49
+76.79%
0.84
-76.48%
3.57
Total Non Current Liabilities Net Minority Interest
336.43
+8.63%
309.69
+4.56%
296.17
-4.68%
310.73
Long Term Debt And Capital Lease Obligation
286.67
+2.23%
280.40
+5.81%
265.00
-7.19%
285.52
Long Term Debt
286.67
+2.23%
280.40
+5.81%
265.00
-7.19%
285.52
Non Current Deferred Liabilities
2.25
-32.16%
3.32
-53.52%
7.14
+4.86%
6.81
Non Current Deferred Taxes Liabilities
2.25
-32.16%
3.32
-53.52%
7.14
+4.86%
6.81
Other Non Current Liabilities
47.51
+82.95%
25.97
+8.03%
24.04
+30.63%
18.40
Preferred Securities Outside Stock Equity
—
—
0.00
0.00
Stockholders Equity
-17.33
+51.34%
-35.62
+31.41%
-51.94
+36.72%
-82.08
Common Stock Equity
-17.33
+51.34%
-35.62
+31.41%
-51.94
+36.72%
-82.08
Capital Stock
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Common Stock
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
11.46
+1.92%
11.24
-1.80%
11.45
+0.49%
11.39
Ordinary Shares Number
11.46
+1.92%
11.24
-1.80%
11.45
+0.49%
11.39
Additional Paid In Capital
-102.09
+3.17%
-105.43
-3.14%
-102.22
+5.68%
-108.38
Retained Earnings
84.75
+21.42%
69.80
+38.83%
50.28
+91.23%
26.29
Total Equity Gross Minority Interest
-17.33
+51.34%
-35.62
+31.41%
-51.94
+36.72%
-82.08
Total Capitalization
269.33
+10.03%
244.78
+14.89%
213.06
+4.73%
203.44
Working Capital
120.85
-5.18%
127.45
+9.94%
115.93
+16.45%
99.56
Invested Capital
269.33
+10.03%
244.78
+14.89%
213.06
+4.73%
203.44
Total Debt
299.12
+3.34%
289.47
+6.30%
272.31
-6.49%
291.22
Net Debt
264.97
+7.33%
246.86
-2.27%
252.58
-7.98%
274.49
Capital Lease Obligations
12.46
+37.42%
9.06
+23.87%
7.32
+28.45%
5.70
Net Tangible Assets
-84.64
+9.24%
-93.26
+17.62%
-113.21
+23.10%
-147.22
Tangible Book Value
-84.64
+9.24%
-93.26
+17.62%
-113.21
+23.10%
-147.22
Current Deferred Taxes Assets
—
—
—
7.38
Interest Payable
12.79
-5.29%
13.51
+97.75%
6.83
-6.12%
7.28
Inventories Adjustments Allowances
—
—
-2.78
+16.70%
-3.33
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
59.50
+37.38%
43.31
+27.24%
34.04
+8.63%
31.34
Cash Flow From Continuing Operating Activities
59.50
+37.38%
43.31
+27.24%
34.04
+8.63%
31.34
Cash From Discontinued Operating Activities
—
—
—
—
Net Income From Continuing Operations
14.95
-23.42%
19.52
-18.61%
23.98
-34.36%
36.54
Depreciation Amortization Depletion
22.46
+36.79%
16.42
+3.07%
15.93
+7.02%
14.89
Depreciation
18.11
+41.62%
12.79
+6.01%
12.06
+9.48%
11.02
Amortization Cash Flow
4.35
+19.78%
3.63
-6.10%
3.87
+0.00%
3.87
Depreciation And Amortization
22.46
+36.79%
16.42
+3.07%
15.93
+7.02%
14.89
Amortization Of Intangibles
4.35
+19.78%
3.63
-6.10%
3.87
+0.00%
3.87
Other Non Cash Items
1.31
-14.65%
1.54
-17.20%
1.85
-38.68%
3.02
Stock Based Compensation
6.96
-18.51%
8.54
+13.83%
7.51
+115.78%
3.48
Deferred Tax
5.62
+242.74%
-3.94
-1114.51%
-0.32
-120.84%
1.55
Deferred Income Tax
5.62
+242.74%
-3.94
-1114.51%
-0.32
-120.84%
1.55
Operating Gains Losses
0.89
-89.88%
8.76
+3506.17%
0.24
-48.73%
0.47
Change In Working Capital
7.32
+197.05%
-7.54
+50.27%
-15.16
+47.05%
-28.62
Change In Receivables
-0.69
+94.18%
-11.79
-273.45%
6.79
+134.41%
-19.75
Changes In Account Receivables
-0.69
+94.18%
-11.79
-273.45%
6.79
+134.41%
-19.75
Change In Inventory
3.61
+281.31%
-1.99
-21.49%
-1.64
+84.69%
-10.70
Change In Prepaid Assets
9.72
+149.44%
-19.66
-938.24%
2.35
+186.89%
-2.70
Change In Payables And Accrued Expense
-4.74
-119.51%
24.27
+229.35%
-18.77
-1158.43%
1.77
Change In Accrued Expense
-12.25
-156.94%
21.51
+386.60%
-7.51
-437.20%
2.23
Change In Payable
7.51
+171.98%
2.76
+124.53%
-11.26
-2385.65%
-0.45
Change In Account Payable
7.51
+171.98%
2.76
+124.53%
-11.26
-2385.65%
-0.45
Change In Other Working Capital
-0.59
-136.38%
1.63
+141.87%
-3.89
-241.51%
2.75
Change In Other Current Liabilities
—
—
—
—
Investing Cash Flow
-65.13
-606.31%
-9.22
-48.20%
-6.22
+64.99%
-17.77
Cash Flow From Continuing Investing Activities
-65.13
-606.31%
-9.22
-48.20%
-6.22
+64.99%
-17.77
Capital Expenditure
-18.18
-96.35%
-9.26
-44.53%
-6.41
+64.15%
-17.87
Capital Expenditure Reported
-18.18
-96.35%
-9.26
-44.53%
-6.41
+64.15%
-17.87
Net Business Purchase And Sale
-47.02
0.00
—
—
Purchase Of Business
-47.02
0.00
—
—
Net Other Investing Changes
0.06
+75.00%
0.04
-80.33%
0.18
+92.63%
0.10
Financing Cash Flow
-6.22
+52.02%
-12.96
+50.99%
-26.44
-14.16%
-23.16
Cash Flow From Continuing Financing Activities
-6.22
+52.02%
-12.96
+50.99%
-26.44
-14.16%
-23.16
Net Issuance Payments Of Debt
-3.37
-128.38%
11.88
+146.01%
-25.82
-21.68%
-21.22
Issuance Of Debt
67.00
-76.49%
285.00
0.00
-100.00%
37.07
Repayment Of Debt
-70.37
+74.23%
-273.12
-957.57%
-25.82
+55.70%
-58.30
Long Term Debt Issuance
67.00
-76.49%
285.00
0.00
-100.00%
37.07
Long Term Debt Payments
-70.37
+74.23%
-273.12
-957.57%
-25.82
+55.70%
-58.30
Net Long Term Debt Issuance
-3.37
-128.38%
11.88
+146.01%
-25.82
-21.68%
-21.22
Short Term Debt Issuance
—
—
—
35.00
Short Term Debt Payments
—
—
—
0.00
Net Short Term Debt Issuance
—
—
—
0.00
Net Common Stock Issuance
0.00
+100.00%
-8.68
-3371.20%
-0.25
0.00
Common Stock Payments
0.00
+100.00%
-8.68
-3371.20%
-0.25
0.00
Repurchase Of Capital Stock
0.00
+100.00%
-8.68
-3371.20%
-0.25
0.00
Net Other Financing Charges
-2.85
+82.39%
-16.16
-4292.66%
-0.37
+81.02%
-1.94
Changes In Cash
-11.84
-156.05%
21.13
+1435.68%
1.38
+114.33%
-9.60
Effect Of Exchange Rate Changes
—
0.00
0.00
+100.00%
-0.05
Beginning Cash Position
33.54
+170.23%
12.41
+12.47%
11.04
-46.64%
20.68
End Cash Position
21.70
-35.31%
33.54
+170.23%
12.41
+12.47%
11.04
Free Cash Flow
41.33
+21.35%
34.06
+23.23%
27.64
+105.18%
13.47
Interest Paid Supplemental Data
32.36
+22.95%
26.32
+2.26%
25.74
-7.13%
27.71
Income Tax Paid Supplemental Data
—
9.76
-6.71%
10.46
-16.86%
12.58
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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