CPI Card Group Inc. (PMTS) AI Stock Analysis

CPI Card Group Inc. provides lifecycle management for financial payment cards, encompassing design, production, data personalization, packaging, and fulfillment services. The company functions through two segments: Debit and Credit, and Prepaid Debit. Its Debit and Credit segment manufactures EMV-compliant, non-EMV, and metal cards, serving card-issuing banks, credit unions, and private label credit card issuers with personalization and instant issuance solutions. The Prepaid Debit segment offers integrated card services, including tamper-evident security packaging and card manufacturing for major payment card networks. Founded in 2007 and based in Littleton, Colorado, the company rebranded to CPI Card Group Inc. in August 2015.

Revenue expanded at an 11.7% CAGR from FY2020 through FY2025, rising from $375.1M in FY2021 to $543.5M in FY2025, despite a 6.6% decline in FY2023. Operating margins contracted over the same period, declining from 15.9% in FY2021 to 10.1% in FY2025, while gross margin decreased from 37.7% to 31.3%. Net income dropped from $36.5M in FY2022 to $14.9M in FY2025, though diluted EPS reached $2.69. For the trailing twelve months ended June 30, 2026, revenue stood at $587.3M with an operating margin of 5.6%. In the latest quarter, revenue grew 15.0% year-over-year, while quarterly earnings expanded 325.0%.

As of June 30, 2026, CPI Card Group held $21.4M in cash and short-term investments against $275.2M in total debt, resulting in net debt of $253.8M. Shareholders' equity was -$11.5M, reflecting negative equity, against total assets of $390.4M. Liquidity remains supported by a current ratio of 2.09. In FY2025, the company generated $59.5M in operating cash flow and invested $18.2M into capital expenditures, yielding $41.3M in free cash flow. Over five years, the share count changed by 1.5%.

CPI Card Group trades at a trailing price-to-earnings multiple of 21.8x, compared to 12.1x for the median of its US-listed Financial Services peers. Its forward P/E stands at 7.1x, below the peer median of 10.8x, alongside a PEG ratio of 0.57. Enterprise value to EBITDA is 6.7x, lower than the peer median of 11.7x, while price-to-sales is 0.5x versus 3.2x for peers. Over the past year, PMTS stock returned 62.5%, outperforming the S&P 500 benchmark return of 16.8%. Over a five-year period, the stock declined 3.0% compared to an 83.0% gain for the S&P 500.

Four analysts cover CPI Card Group, with all 4 issuing Strong Buy ratings. The mean price target is $32.50, representing a 30.9% upside from the last closing price of $24.82. For the fiscal year ending December 31, 2026, analysts estimate revenue of $604.4M and EPS of $2.98, reflecting 54.6% EPS growth. For FY2027, 2 analysts project revenue of $653.7M and EPS of $3.49. CPI Card Group beat EPS estimates in 3 of the last 4 quarters, and its next earnings report is scheduled for November 3, 2026.

This page is an AI-written research summary of CPI Card Group Inc. (PMTS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: PMTS income statement, PMTS balance sheet, PMTS key metrics, PMTS analyst forecast, PMTS chart. See the PMTS stock overview for the latest quote and news.