← CPI Card Group Inc. PMTS
Market Price
$28.37
Market Cap
$332.79M
P/E Ratio
22.70
Revenue (FY 2025)
↑13.1% YoY
$543.53M
3-Yr CAGR: 4.5%
Net Income
↓-23.4% YoY
$14.95M
Net Margin: 2.8%
Free Cash Flow
↑21.4% YoY
$41.33M
FCF Yield: 12.42%
EPS (Diluted)
↓-23.8% YoY
$1.25
Basic: $1.32
Return on Equity
Efficiency
N/A
ROA: 96.0%
⚡ N/A due to negative equity (share buybacks or other)
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (PMTS)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $308.7M | — | $101.9M | $5.4M | — | $0.10 | — | $60.0M | $45.7M | — |
| FY 2017 | $254.9M | -17.4% | $75.0M | $-22.0M | -507.7% | — | — | $2.4M | $-6.4M | -113.9% |
| FY 2018 | $255.8M | +0.4% | $78.6M | $-37.5M | -70.2% | — | — | $-3.5M | $-9.2M | -44.3% |
| FY 2019 | $278.1M | +8.7% | $91.3M | $-4.5M | +88.1% | $-0.46 | — | $-0.1M | $-4.3M | +53.2% |
| FY 2020 | $312.2M | +12.3% | $110.3M | $16.1M | +462.1% | $1.44 | +413.0% | $-0.1M | $-7.2M | -66.4% |
| FY 2021 | $375.1M | +20.2% | $141.4M | $15.9M | -1.2% | $1.36 | -5.6% | $20.2M | $10.2M | +241.9% |
| FY 2022 | $475.7M | +26.8% | $175.8M | $36.5M | +129.2% | $3.11 | +128.7% | $31.3M | $13.5M | +32.6% |
| FY 2023 | $444.5M | -6.6% | $155.5M | $24.0M | -34.4% | $2.01 | -35.4% | $34.0M | $27.6M | +105.2% |
| FY 2024 | $480.6M | +8.1% | $171.2M | $19.5M | -18.6% | $1.64 | -18.4% | $43.3M | $34.1M | +23.2% |
| FY 2025 | $543.5M | +13.1% | $170.1M | $14.9M | -23.4% | $1.25 | -23.8% | $59.5M | $41.3M | +21.4% |
Valuation
Market Price
$28.37
Market Cap
$332.79M
Enterprise Value
$597.76M
P/E Ratio
22.70
P/B Ratio
N/A
FCF Yield
12.42%
Dividend Yield
4.65%
Shares Outstanding
Profitability & Margins
Gross Margin
31.29%
Operating Margin
10.09%
Net Margin
2.75%
Return on Equity (ROE)
N/A (Negative Equity)
Return on Assets (ROA)
96.05%
Asset Turnover
34.92x
Revenue 3-Yr CAGR
4.54%
Financial Health & Liquidity
Current Ratio
0.30
Cash Ratio
0.41
Debt / Equity
-16.539
Debt / Assets
18.417
Cash & Equivalents
$21.70M
Total Debt
$286.67M
Book Value / Share
$-1.51
Cash Flow Efficiency
Operating Cash Flow
$59.50M
Capital Expenditures (CapEx)
$18.18M
Free Cash Flow
$41.33M
OCF / Revenue
10.95%
FCF / Revenue
7.60%
FCF 3-Yr CAGR
45.31%
Per Share Metrics
EPS (Diluted)
$1.25
EPS (Basic)
$1.32
Dividends / Share
$1.32
Book Value / Share
$-1.51
EPS YoY Growth
-23.78%
Balance Sheet (FY 2025)
Total Assets
$15.56M
Total Liabilities
$52.38M
Stockholders' Equity
-$17.33M
Current Assets
$15.56M
Current Liabilities
$52.38M