PMTS
CPI Card Group Inc.
PMTS's fundamentals are mixed, but it looks expensive: trading at 18x earnings, above its usual 13x. Analysts expect strong earnings growth.
PMTS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PMTS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PMTS.
PMTS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.6x | $25.16 | — |
| Cheap | 7.7x | $10.50 | -58% |
| Fair | 13x | $17.47 | -31% |
| Expensive | 18x | $24.54 | -2.5% |
| Current | 18x | $25.16 | — |
Historical ranges are pointers, not guarantees.
PMTS's PE is in its expensive range at 18x. If earnings grow as analysts expect, today's price would be 7.6x next year's earnings, in its cheap range.
PMTS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PMTS, with profitability improving.
PMTS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.32 | +142% |
| Q3 2026 | $1.37 | +15% |
| Q2 2026 | $1.15 | +3.6% |
| Q1 2026 | $1.02 | -35% |
| Q4 2025 | $1.25 | -24% |
| Q3 2025 | $1.19 | -8.5% |
| Q2 2025 | $1.11 | -27% |
| Q1 2025 | $1.58 | +1.3% |
| Q4 2024 | $1.64 | -18% |
PMTS's earnings per share have fallen from their peak: $1.37 over the past year, against $3.54 in mid-2023.
PMTS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $158.4M | +15% |
| Q2 2026 | $149.2M | +15% |
| Q1 2026 | $147.1M | +20% |
| Q4 2025 | $153.1M | +22% |
| Q3 2025 | $138M | +11% |
| Q2 2025 | $129.8M | +9.2% |
| Q1 2025 | $122.8M | +9.7% |
| Q4 2024 | $125.1M | +22% |
PMTS's revenue has grown year over year for 10 quarters in a row: $158M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.9% | +0.5 points |
| Q2 2026 | 8% | +0.7 points |
| Q1 2026 | 7.5% | -4 points |
| Q4 2025 | 12% | -0.8 points |
| Q3 2025 | 9.4% | -4.8 points |
| Q2 2025 | 7.3% | -5.3 points |
| Q1 2025 | 11% | -1.2 points |
| Q4 2024 | 13% | +2.5 points |
PMTS's operating margin was 9.9% last quarter, about level with the same quarter a year ago.
PMTS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.1M | +90% |
| Q2 2026 | $25.9M | +4762% |
| Q1 2026 | $10.1M | +3371% |
| Q4 2025 | $35.2M | +63% |
| Q3 2025 | $5.3M | -52% |
| Q2 2025 | $533K | +$6.5M |
| Q1 2025 | $292K | -96% |
| Q4 2024 | $21.6M | +89% |
PMTS's free cash flow was $81M over the past year, up 193% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PMTS.
PMTS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.1% | +127K shares |
| 1 year | +2.6% | +313K shares |
| 3 years | +2.9% | +339K shares |
| 5 years | +3.1% | +367K shares |
| Available history | +8.7% | +970K shares |
PMTS has 12M diluted shares, up 2.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | $2.2M |
| Q2 2024 | $5.2M |
| Q1 2024 | $1.3M |
PMTS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.9x | Moderate |
| Q2 2026 | 3.0x | Elevated |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 3.4x | Elevated |
| Q3 2025 | 4.0x | High |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 3.1x | Elevated |
| Q4 2024 | 3.1x | Elevated |
PMTS's net debt is about 2.9 years of its operating earnings (EBITDA), down from 4.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PMTS.
PMTS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.1 | Neutral |
| Stochastic | 40.6 | Neutral |
PMTS's weekly RSI is 56 (neutral) and its Stochastic is 41 (neutral).
PMTS PE vs Financial Services Sector
| Metric | PMTS | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 41% above |
| PE % | 84 | 63 | 21 pts above |
PMTS is trading at 18x earnings, a 41% premium to the Financial Services sector's median of 13x.
PMTS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.3 | 0.6% below |
| 20 week MA | $24.5 | 2.7% above |
| 50 week MA | $19.2 | 31% above |
| 100 week MA | $20.7 | 21% above |
| 200 week MA | $22.9 | 9.8% above |
PMTS has slipped below its 8-week average, but it's still above the other four, and 9.8% above its 200-week average.
PMTS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $0.82 | $4.25 | +418% |
| 2021 | $4.25 | $20.1 | +373% |
| 2022 | $20.1 | $35.1 | +75% |
| 2023 | $35.1 | $19.2 | -45% |
| 2024 | $19.2 | $31.9 | +66% |
| 2025 | $31.9 | $15.2 | -52% |
| 2026 YTD | $15.2 | $25.2 | +65% |
PMTS's yearly returns have swung widely, from +418% in 2020 to −52% in 2025. It's up 65% so far in 2026.