CPI Card Group Inc. (PMTS) Key Metrics
PMTS valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $287.7M
- Enterprise value
- $536.1M
- P/E (TTM)
- 21.8 10-yr median 11.7
- Forward P/E
- 7.1
- PEG ratio
- 0.57
- Price / sales
- 0.5 10-yr median 0.4
- Price / book
- —
- EV / EBITDA
- 6.7 10-yr median 7.5
- Dividend yield
- —
- Beta
- 1.12
PMTS key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsPMTS valuation Price multiples at each fiscal year-end price.
P/E ratio−35.6%
11.7
2025 · hover or tap a bar for each year
20162025
Price / sales−56.4%
0.3
2025 · hover or tap a bar for each year
20162025
EV / EBITDA−17.7%
6.3
2025 · hover or tap a bar for each year
20162025
Price / free cash flow−59.4%
4.2
2025 · hover or tap a bar for each year
20162025
Free cash flow yield+14.0 pts
23.6%
2025 · hover or tap a bar for each year
20162025
PMTS returns How much profit the business earns on the capital it uses.
Return on invested capital−8.2 pts
14.6%
2025 · hover or tap a bar for each year
20162025
Return on assets−2.1 pts
4.0%
2025 · hover or tap a bar for each year
20162025
Free cash flow margin+0.5 pts
7.6%
2025 · hover or tap a bar for each year
20162025
Cash conversion (OCF / net income)+79.4%
3.98
2025 · hover or tap a bar for each year
20162025
Asset turnover−3.4%
1.44
2025 · hover or tap a bar for each year
20162025
PMTS per-share figures Results divided by the shares outstanding at year-end.
Revenue per share+12.7%
$45.59
2025 · hover or tap a bar for each year
20162025
Earnings per share−23.7%
$1.25
2025 · hover or tap a bar for each year
20162025
Free cash flow per share+20.9%
$3.47
2025 · hover or tap a bar for each year
20162025
Book value per share
−$1.45
2025 · hover or tap a bar for each year
20162025
Shares outstanding+0.4%
11.9M
2025 · hover or tap a bar for each year
20162025
PMTS financial health Debt, liquidity and how easily interest is covered.
Net debt+$59.8M
$315.8M
2025 · hover or tap a bar for each year
20162025
Net debt / EBITDA+0.85
4.08
2025 · hover or tap a bar for each year
20162025
Current ratio−9.3%
2.44
2025 · hover or tap a bar for each year
20162025
Interest coverage−8.3%
1.7
2025 · hover or tap a bar for each year
20162025
Debt / assets+1.1%
0.84
2025 · hover or tap a bar for each year
20162025
PMTS efficiency & capital use Working capital cycle and where the cash goes.
Days sales outstanding0 days
61 days
2025 · hover or tap a bar for each year
20162025
Days of inventory−14 days
71 days
2025 · hover or tap a bar for each year
20162025
Days payables outstanding+4 days
21 days
2025 · hover or tap a bar for each year
20162025
Cash conversion cycle−18 days
110 days
2025 · hover or tap a bar for each year
20162025
Capex / revenue+1.4 pts
3.3%
2025 · hover or tap a bar for each year
20162025
Dividends + buybacks / FCF−25.5 pts
0.0%
2025 · hover or tap a bar for each year
20162025
PMTS valuation history
Fiscal year-endToday10-year median
PMTS returns on capital
ROEROICROA
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PMTS debt vs cash
Total debtCash & short-term investments
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PMTS cash returned to shareholders
DividendsBuybacksFree cash flow
PMTS price vs earnings per share
Share price at year-endEPS (right axis)
PMTS key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $175.0M | $355.0M | $228.7M | $423.9M | $218.2M | $49.3M | $10.1M | $25.5M | $40.8M | $224.1M |
| Enterprise value | $490.8M | $611.0M | $488.6M | $704.1M | $505.3M | $332.8M | $303.7M | $311.6M | $321.5M | $489.0M |
| P/E ratio | 11.7 | 18.2 | 9.5 | 11.6 | 13.7 | 3.1 | — | — | — | 41.5 |
| Price / sales | 0.3 | 0.7 | 0.5 | 0.9 | 0.6 | 0.2 | 0.0 | 0.1 | 0.2 | 0.7 |
| Price / free cash flow | 4.2 | 10.4 | 8.3 | 31.5 | 21.5 | 3.3 | — | — | — | 4.9 |
| Price / operating cash flow | 2.9 | 8.2 | 6.7 | 13.5 | 10.8 | 2.2 | 3.5 | 7.3 | 16.8 | 3.7 |
| EV / sales | 0.9 | 1.3 | 1.1 | 1.5 | 1.3 | 1.1 | 1.1 | 1.2 | 1.4 | 1.6 |
| EV / EBITDA | 6.3 | 7.7 | 6.3 | 7.5 | 6.8 | 6.0 | 7.5 | 13.7 | — | 10.1 |
| EV / free cash flow | 11.9 | 17.9 | 17.7 | 52.3 | 49.8 | 22.3 | — | — | — | 10.7 |
| Earnings yield | 8.5% | 5.5% | 10.5% | 8.6% | 7.3% | 32.7% | −50.8% | −146.7% | −53.9% | 2.4% |
| Free cash flow yield | 23.6% | 9.6% | 12.1% | 3.2% | 4.7% | 30.3% | −13.2% | −8.3% | −11.9% | 20.4% |
| Dividend yield | — | — | — | — | — | — | — | 0.0% | 18.5% | 3.4% |
| Shareholder yield (dividends + buybacks) | 0.0% | 2.4% | 0.1% | 0.0% | — | — | — | 0.0% | 19.3% | 6.0% |
| Share price at fiscal year-end | $14.68 | $29.89 | $19.19 | $36.08 | $18.55 | $4.39 | $0.90 | $2.29 | $3.67 | $20.75 |
| Per share | ||||||||||
| Revenue per share | $45.59 | $40.46 | $37.30 | $40.49 | $31.89 | $27.79 | $24.84 | $22.94 | $20.13 | $28.59 |
| Earnings per share | $1.25 | $1.64 | $2.01 | $3.11 | $1.36 | $1.44 | −$0.46 | −$3.36 | −$1.98 | $0.50 |
| Operating cash flow per share | $4.99 | $3.65 | $2.86 | $2.67 | $1.72 | $1.96 | $0.25 | $0.32 | $0.22 | $5.55 |
| Free cash flow per share | $3.47 | $2.87 | $2.32 | $1.15 | $0.86 | $1.33 | −$0.12 | −$0.19 | −$0.43 | $4.23 |
| Cash per share | $1.82 | $2.82 | $1.04 | $0.94 | $1.76 | $5.13 | $1.67 | $1.82 | $2.09 | $3.42 |
| Book value per share | −$1.45 | −$3.00 | −$4.36 | −$6.99 | −$10.29 | −$12.29 | −$13.61 | −$13.42 | −$10.76 | −$8.82 |
| Tangible book value per share | −$7.10 | −$7.85 | −$9.50 | −$12.53 | −$16.15 | −$18.82 | −$20.58 | −$20.82 | −$19.31 | −$19.78 |
| Dividends per share | — | — | — | — | — | — | — | $0.00 | $0.68 | $0.70 |
| Capex per share | $1.52 | $0.78 | $0.54 | $1.52 | $0.86 | $0.63 | $0.37 | $0.51 | $0.65 | $1.32 |
| Debt per share | $28.31 | $24.37 | $22.85 | $24.79 | $26.16 | $30.37 | $27.89 | $27.48 | $27.33 | $27.96 |
| Shares outstanding | 11.9M | 11.9M | 11.9M | 11.7M | 11.8M | 11.2M | 11.2M | 11.1M | 11.1M | 10.8M |
| Change in shares outstanding | +0.4% | −0.3% | +1.4% | −0.1% | +4.7% | +0.3% | +0.4% | +0.3% | +3.0% | +19.7% |
| Returns & profitability | ||||||||||
| Return on invested capital (ROIC) | 14.6% | 22.9% | 21.1% | 32.3% | 25.5% | 26.8% | 14.1% | 2.4% | −9.2% | 9.7% |
| Return on assets (ROA) | 4.0% | 6.1% | 8.1% | 12.9% | 6.0% | 6.7% | −2.4% | −17.0% | −8.8% | 2.0% |
| Return on tangible assets | 4.5% | 6.7% | 10.3% | 15.8% | 8.0% | 8.4% | −3.8% | −30.1% | −15.8% | 3.7% |
| Free cash flow margin | 7.6% | 7.1% | 6.2% | 2.8% | 2.7% | 4.8% | −0.5% | −0.8% | −2.2% | 14.8% |
| Income quality (OCF / net income) | 3.98 | 2.22 | 1.42 | 0.86 | 1.27 | 1.36 | — | — | — | 11.11 |
| Financial health | ||||||||||
| Total debt | $337.5M | $289.5M | $272.3M | $291.2M | $307.7M | $341.1M | $312.3M | $306.3M | $303.9M | $301.9M |
| Cash & short-term investments | $21.7M | $33.5M | $12.4M | $11.0M | $20.7M | $57.6M | $18.7M | $20.3M | $23.2M | $37.0M |
| Net debt | $315.8M | $255.9M | $259.9M | $280.2M | $287.1M | $283.5M | $293.6M | $286.0M | $280.7M | $265.0M |
| Debt / assets | 0.84 | 0.83 | 0.93 | 0.98 | 1.15 | 1.28 | 1.46 | 1.48 | 1.30 | 1.14 |
| Net debt / EBITDA | 4.08 | 3.23 | 3.36 | 2.99 | 3.85 | 5.14 | 7.23 | 12.60 | — | 5.45 |
| Current ratio | 2.44 | 2.69 | 3.34 | 2.46 | 2.25 | 2.68 | 2.32 | 2.05 | 2.59 | 2.62 |
| Quick ratio | 1.58 | 1.72 | 1.92 | 1.46 | 1.35 | 2.24 | 1.81 | 1.81 | 2.12 | 2.07 |
| Interest coverage | 1.7 | 1.8 | 2.3 | 2.7 | 1.9 | 1.5 | 1.0 | 0.2 | -0.9 | 1.4 |
| Working capital | $120.8M | $127.5M | $115.9M | $99.6M | $80.9M | $95.6M | $52.4M | $43.2M | $54.8M | $57.1M |
| Invested capital | $298.4M | $220.3M | $208.0M | $198.1M | $166.0M | $145.5M | $141.2M | $136.5M | $161.1M | $169.7M |
| Tangible asset value | −$84.6M | −$93.3M | −$113.2M | −$147.2M | −$190.0M | −$211.4M | −$230.4M | −$232.2M | −$214.7M | −$213.6M |
| Net current asset value | −$215.6M | −$182.2M | −$180.2M | −$211.2M | −$243.5M | −$251.7M | −$273.7M | −$272.3M | −$264.2M | −$267.3M |
| Graham net-net per share | −$24.42 | −$21.16 | −$20.36 | −$23.24 | −$24.94 | −$25.41 | −$26.96 | −$26.42 | −$25.89 | −$26.80 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | — | — | — | $0 | $7.5M | $7.5M |
| Share buybacks (net) | $0 | $8.7M | $250,000 | $0 | — | — | — | — | $341,000 | $6.0M |
| Dividend payout ratio | — | — | — | — | — | — | — | — | — | 139.3% |
| Dividends + buybacks / free cash flow | 0.0% | 25.5% | 0.9% | 0.0% | — | — | — | — | — | 29.6% |
| Capex / revenue | 3.3% | 1.9% | 1.4% | 3.8% | 2.7% | 2.3% | 1.5% | 2.2% | 3.2% | 4.6% |
| Capex / operating cash flow | 30.5% | 21.4% | 18.8% | 57.0% | 49.8% | 32.2% | 147.0% | 160.1% | 299.3% | 23.8% |
| Capex / depreciation | 0.81 | 0.56 | 0.40 | 1.20 | 0.67 | 0.42 | 0.24 | 0.31 | 0.43 | 0.84 |
| Stock-based compensation / revenue | 1.3% | 1.8% | 1.7% | 0.7% | 0.3% | 0.0% | 0.1% | 0.4% | 0.9% | 1.2% |
| SG&A / revenue | 21.2% | 21.5% | 19.8% | 19.1% | 20.2% | 21.1% | 23.6% | 26.6% | 30.1% | 22.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 60.7 | 60.5 | 63.3 | 54.5 | 61.6 | 65.5 | 63.2 | 68.0 | 63.2 | 52.6 |
| Days of inventory on hand | 70.8 | 84.5 | 87.8 | 76.9 | 64.7 | 40.7 | 29.3 | 26.8 | 41.8 | 39.7 |
| Days payables outstanding | 21.5 | 17.1 | 23.5 | 30.9 | 35.4 | 32.0 | 32.2 | 34.0 | 32.3 | 25.4 |
| Cash conversion cycle (days) | 110.1 | 127.9 | 127.6 | 100.5 | 90.9 | 74.2 | 60.3 | 60.8 | 72.6 | 66.9 |
| Receivables turnover | 6.01 | 6.04 | 5.76 | 6.70 | 5.93 | 5.57 | 5.77 | 5.37 | 5.78 | 6.94 |
| Payables turnover | 17.00 | 21.39 | 15.55 | 11.81 | 10.31 | 11.42 | 11.34 | 10.72 | 11.30 | 14.35 |
| Inventory turnover | 5.15 | 4.32 | 4.16 | 4.75 | 5.64 | 8.97 | 12.46 | 13.60 | 8.74 | 9.19 |
| Asset turnover | 1.44 | 1.49 | 1.51 | 1.68 | 1.40 | 1.30 | 1.32 | 1.16 | 0.90 | 1.13 |
| Average receivables | $90.5M | $79.6M | $77.2M | $71.0M | $63.3M | $56.0M | $48.2M | $47.7M | $38.7M | $44.5M |
| Average payables | $22.0M | $14.5M | $18.6M | $25.4M | $22.7M | $17.7M | $16.5M | $16.5M | $13.8M | $14.4M |
| Average inventory | $72.5M | $71.6M | $69.5M | $63.2M | $41.4M | $22.5M | $15.0M | $13.0M | $17.8M | $22.5M |
| Intangibles / total assets | 16.7% | 16.5% | 20.9% | 22.0% | 25.7% | 27.6% | 36.5% | 39.9% | 40.6% | 44.8% |
Computed from PMTS's annual financial statements (latest annual report filed March 5, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PMTS valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), CPI Card traded at 11.7 times earnings, against a 10-year median of 11.7. Based on the latest twelve months, the trailing P/E is 21.8 and the forward P/E is 7.1. CPI Card earned a return on invested capital of 14.6% in fiscal 2025. It ended the year with $337.5 million of debt and $21.7 million in cash and short-term investments, net debt of $315.8 million. The share count rose 10.4% from 10.8M to 11.9M over 9 years.
See the PMTS income statement, the PMTS chart for price history, or the PMTS stock overview for the latest quote and news.
PMTS key metrics FAQ
What is CPI Card's P/E ratio?
CPI Card's trailing P/E ratio is 21.8 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 7.1. At the end of fiscal 2025 it was 11.7, compared with a 10-year median of 11.7.
What is CPI Card's EV/EBITDA?
CPI Card's enterprise value was 6.3 times EBITDA at the end of fiscal 2025 (enterprise value $490.8 million, EBITDA $77.3 million); the current EV/EBITDA is 6.7.
What is CPI Card's ROIC?
CPI Card's return on invested capital was 14.6% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does CPI Card have?
CPI Card had total debt of $337.5 million at the end of fiscal 2025 and $315.8 million of net debt (4.08 times EBITDA).
What is CPI Card's free cash flow yield?
CPI Card generated $41.3 million of free cash flow in fiscal 2025, a free cash flow yield of 23.6% on its market value at year-end ($175.0 million).
What is CPI Card's current ratio?
CPI Card's current ratio was 2.44 at the end of fiscal 2025: current assets were 2.44 times current liabilities.