CPI Card Group Inc. logo

CPI Card Group Inc.

PMTS

NASDAQFinancial ServicesFinancial - Credit Services

Previous close

$28.04

+$0.53 · +1.93%

Aug 21, 4:00 PM ET

Pre-market

$28.55

+$0.51 · +1.82%

Aug 24, 7:00 AM ET

PMTS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

49

Fair Value

Momentum

64

Gaining

Sentiment

70

Bullish

Risk resilience

48

Elevated Risk

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Company profile

Company website

CPI Card Group Inc., along with its affiliated entities, specializes in the full spectrum of financial payment card services. This includes everything from the initial design and manufacturing to the personalized data integration, secure packaging, and final distribution of these cards. The company operates through two primary divisions: Debit and Credit, and Prepaid Debit. The Debit and Credit segment is responsible for producing various financial payment cards, such as those adhering to Europay, Mastercard, and Visa (EMV) standards, as well as non-EMV cards, premium metal cards, and custom private label credit cards. It also delivers extensive card-related services to financial institutions that issue cards. These services encompass on-demand solutions, individualizing cards with specific user data, managing fulfillment processes, and offering immediate card issuance capabilities. The Prepaid Debit segment focuses on providing integrated card services, notably secure, tamper-evident packaging, to suppliers of prepaid debit cards. Furthermore, this division manufactures financial payment cards that are issued under the major payment network brands. CPI Card Group serves a broad range of clients across the United States. Its customers include issuers of both debit and credit cards, administrators of Prepaid Debit Card programs, local community banks, credit unions, collective service providers, and companies involved in processing card transactions. Originally established in 2007, the company was known as CPI Holdings I, Inc. It subsequently adopted its current name, CPI Card Group Inc., in August 2015. The corporate headquarters are situated in Littleton, Colorado.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
John D. Lowe
Listed since
Oct 8, 2015
Employees
1,700

Market position

Day range

Current $28.04

52-week range

Current $28.04

Open
$27.75
Previous close
$27.51
Volume
121.41K
2.04× average
Average volume
59.63K
Average daily volume
Market cap
321.78M USD
Beta
0.92
Market reference 1
50-day average
$21.7903
+28.68% above average
200-day average
$16.6499
+68.41% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
482.05M USD
P/E (TTM)
23.37×
P/B (TTM)
-28.04×
P/S (TTM)
0.55×
EV / EBITDA
6.24×
Earnings yield
8.99%
Free cash flow yield
24.85%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
30.97%
Operating margin
9.22%
Net margin
2.34%
Return on equity
-86.25%
Return on assets
3.71%
Return on invested capital
11.45%

Financial health

Debt / equity
-23.98×
Current ratio
2.44×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends41%27%13%-1%Gross margin, FY2021: 37.70%Gross margin, FY2022: 36.95%Gross margin, FY2023: 34.98%Gross margin, FY2024: 35.63%Gross margin, FY2025: 31.29%Operating margin, FY2021: 15.85%Operating margin, FY2022: 16.63%Operating margin, FY2023: 13.85%Operating margin, FY2024: 13.07%Operating margin, FY2025: 10.09%Net margin, FY2021: 4.25%Net margin, FY2022: 7.68%Net margin, FY2023: 5.40%Net margin, FY2024: 4.06%Net margin, FY2025: 2.75%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 37.70%. Gross margin FY2022 36.95%. Gross margin FY2023 34.98%. Gross margin FY2024 35.63%. Gross margin FY2025 31.29%. Operating margin FY2021 15.85%. Operating margin FY2022 16.63%. Operating margin FY2023 13.85%. Operating margin FY2024 13.07%. Operating margin FY2025 10.09%. Net margin FY2021 4.25%. Net margin FY2022 7.68%. Net margin FY2023 5.40%. Net margin FY2024 4.06%. Net margin FY2025 2.75%.

Income trends

Revenue

543.53M USD+13.09%

Operating income

54.84M USD-12.66%

Net income

14.95M USD-23.42%
Income trends across reported periods596.39M USD384.96M USD173.53M USD−37.91M USDRevenue, FY2021: 375.12M USDRevenue, FY2022: 475.75M USDRevenue, FY2023: 444.55M USDRevenue, FY2024: 480.6M USDRevenue, FY2025: 543.53M USDOperating income, FY2021: 59.46M USDOperating income, FY2022: 79.13M USDOperating income, FY2023: 61.59M USDOperating income, FY2024: 62.79M USDOperating income, FY2025: 54.84M USDNet income, FY2021: 15.94M USDNet income, FY2022: 36.54M USDNet income, FY2023: 23.99M USDNet income, FY2024: 19.52M USDNet income, FY2025: 14.95M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 375.12M USD. Revenue FY2022 475.75M USD. Revenue FY2023 444.55M USD. Revenue FY2024 480.6M USD. Revenue FY2025 543.53M USD. Operating income FY2021 59.46M USD. Operating income FY2022 79.13M USD. Operating income FY2023 61.59M USD. Operating income FY2024 62.79M USD. Operating income FY2025 54.84M USD. Net income FY2021 15.94M USD. Net income FY2022 36.54M USD. Net income FY2023 23.99M USD. Net income FY2024 19.52M USD. Net income FY2025 14.95M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue543.53M USD480.6M USD444.55M USD475.75M USD375.12M USD
Cost of goods sold373.44M USD309.38M USD289.06M USD299.98M USD233.69M USD
Gross profit170.1M USD171.22M USD155.49M USD175.77M USD141.43M USD
Selling, general, and administrative115.26M USD103.4M USD88.26M USD90.78M USD75.7M USD
Operating expenses115.26M USD108.43M USD93.9M USD96.64M USD81.96M USD
Interest expense32.47M USD34.09M USD26.91M USD29.62M USD30.61M USD
Depreciation and amortization22.46M USD16.42M USD15.93M USD14.89M USD15.1M USD
Operating income54.84M USD62.79M USD61.59M USD79.13M USD59.46M USD
Net income14.95M USD19.52M USD23.99M USD36.54M USD15.94M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
1.25
FY2025 · -23.78% year over year
Latest fiscal-year revenue
543.53M USD
FY2025 · +13.09% year over year
Next fiscal-year EPS consensus
2.99
FY2026 · 2 analysts
Next fiscal-year revenue consensus
604.38M USD
FY2026 · 3 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend3.792.871.941.02FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend700.67M582.29M463.91M345.52MFY21FY22FY23FY24FY25FY26FY27

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$31.00

10.56% upside
Past 12 months12-month forecastHigh $34.00Average $31.00Low $27.00

Rating distribution

11 ratings
Strong buy00%
Buy655%
Hold327%
Sell218%
Strong sell00%

Recent analyst actions

4 institutions
Roth MKMmaintainBuy

Corporate actions

Corporate action history

Dividend

Ex-dividend Jun 14, 2017

$0.045

Quarterly

Record Jun 16, 2017 · Payment Jul 7, 2017

Dividend

Ex-dividend Mar 15, 2017

$0.045

Quarterly

Record Mar 17, 2017 · Payment Apr 7, 2017

Dividend

Ex-dividend Dec 14, 2016

$0.045

Quarterly

Record Dec 16, 2016 · Payment Jan 12, 2017

Dividend

Ex-dividend Sep 14, 2016

$0.045

Quarterly

Record Sep 16, 2016 · Payment Oct 7, 2016

Dividend

Ex-dividend Jun 14, 2016

$0.045

Quarterly

Record Jun 16, 2016 · Payment Jul 7, 2016

Dividend

Ex-dividend Mar 15, 2016

$0.045

Quarterly

Record Mar 17, 2016 · Payment Apr 7, 2016

PMTS peers

ETFs holding PMTS

Funds reporting this stock among their holdings, ordered by reported position size.

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