PMTS · Cpi Card Group Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $147.11M | - | $137.97M | $129.75M | $122.76M | - | $124.75M | $118.82M | $111.94M | - |
| Cost of Revenue | $102.98M | - | $96.97M | $89.63M | $82.06M | - | $80.05M | $76.43M | $70.42M | - |
| Gross Profit | $44.12M | - | $40.99M | $40.12M | $40.70M | - | $44.70M | $42.39M | $41.52M | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | $26.47M | $29.29M | $25.50M | - | $25.67M | $26.23M | $26.04M | - |
| Total Operating Expenses | $33.13M | - | $27.98M | $30.70M | $26.59M | - | $26.90M | $27.48M | $27.37M | - |
| D&A | $6.40M | - | $6.12M | $5.51M | $4.25M | - | $4.15M | $4.05M | $4.02M | - |
| Operating Income | $10.99M | - | $13.02M | $9.42M | $14.10M | - | $17.80M | $14.91M | $14.14M | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - |
| Income Tax | $1.16M | - | $1.44M | $823.0K | $1.66M | - | ($474.0K) | $2.30M | $2.20M | - |
| Net Income | $2.06M | - | $2.31M | $518.0K | $4.77M | - | $1.29M | $6.00M | $5.46M | - |
| EPS - Basic | $0.18 | - | $0.20 | $0.05 | $0.42 | - | $0.12 | $0.54 | $0.48 | - |
| EPS - Diluted | $0.17 | - | $0.19 | $0.04 | $0.40 | - | $0.11 | $0.51 | $0.46 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $19.30M | $21.70M | $15.96M | $17.12M | $31.52M | $33.54M | $14.65M | $7.48M | $17.14M | $12.41M |
| Accounts Receivable | $88.68M | $95.44M | $90.77M | $87.50M | $75.49M | $85.49M | $79.58M | $76.42M | $68.54M | $73.72M |
| Inventory | $65.50M | $72.24M | $85.13M | $83.87M | $75.25M | $72.66M | $92.29M | $85.91M | $83.38M | $70.59M |
| Accounts Payable | $22.47M | $27.80M | $29.39M | $24.56M | $22.06M | $16.12M | $21.54M | $20.28M | $23.64M | $12.80M |
| Current Assets | $188.89M | $204.94M | $211.34M | $204.34M | $192.61M | $203.04M | $198.81M | $179.75M | $180.93M | $165.38M |
| Total Assets | $386.45M | $403.19M | $407.06M | $399.80M | $351.91M | $349.66M | $342.35M | $321.45M | $319.78M | $293.68M |
| Current Liabilities | $74.33M | $84.10M | $82.45M | $79.03M | $65.21M | $75.59M | $75.11M | $68.95M | $74.02M | $49.45M |
| Long-term Debt | $276.90M | $286.67M | $308.43M | $310.91M | $280.66M | $280.40M | $280.15M | $269.65M | $265.33M | $265.00M |
| Total Liabilities | $400.46M | $420.52M | $432.72M | $428.82M | $381.63M | $385.28M | $385.14M | $366.00M | $368.23M | $345.62M |
| Stockholders' Equity | ($14.01M) | ($17.33M) | ($25.66M) | ($29.03M) | ($29.72M) | ($35.62M) | ($42.79M) | ($44.56M) | ($48.45M) | ($51.94M) |
| Retained Earnings | $86.80M | $84.75M | $77.40M | $75.09M | $74.57M | $69.80M | $63.02M | $61.73M | $55.73M | $50.28M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $13.65M | - | - | - | $5.59M | - | - | - | $8.87M | - |
| Investing Cash Flow | ($3.51M) | - | - | - | ($5.25M) | - | - | - | ($1.51M) | - |
| Financing Cash Flow | ($12.54M) | - | - | - | ($2.37M) | - | - | - | ($2.63M) | - |
| CapEx | $3.51M | - | - | - | $5.30M | - | - | - | $1.51M | - |
| Free Cash Flow | $10.13M | - | - | - | $292.0K | - | - | - | $7.36M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 30.0% | - | 29.7% | 30.9% | 33.2% | - | 35.8% | 35.7% | 37.1% | - |
| Operating margin | 7.5% | - | 9.4% | 7.3% | 11.5% | - | 14.3% | 12.5% | 12.6% | - |
| EBITDA margin | 11.8% | - | 13.9% | 11.5% | 14.9% | - | 17.6% | 16.0% | 16.2% | - |
| Net margin | 1.4% | - | 1.7% | 0.4% | 3.9% | - | 1.0% | 5.1% | 4.9% | - |
| Free cash flow margin | 6.9% | - | - | - | 0.2% | - | - | - | 6.6% | - |
| FCF / Net income | 4.93 | - | - | - | 0.06 | - | - | - | 1.35 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | 19.2% | 22.6% | 20.8% | - | 20.6% | 22.1% | 23.3% | - |
| Effective tax rate | 36.0% | - | 38.3% | 61.4% | 25.8% | - | -57.9% | 27.7% | 28.7% | - |
| Return on assets | 0.5% | - | 0.6% | 0.1% | 1.4% | - | 0.4% | 1.9% | 1.7% | - |
| Return on equity | -14.7% | - | -9.0% | -1.8% | -16.1% | - | -3.0% | -13.5% | -11.3% | - |
| Return on invested capital | 2.7% | - | 2.8% | 1.7% | 4.2% | - | 7.5% | 4.8% | 4.6% | - |
| Liquidity | ||||||||||
| Current ratio | 2.54 | 2.44 | 2.56 | 2.59 | 2.95 | 2.69 | 2.65 | 2.61 | 2.44 | 3.34 |
| Quick ratio | 1.66 | 1.58 | 1.53 | 1.52 | 1.80 | 1.72 | 1.42 | 1.36 | 1.32 | 1.92 |
| Cash ratio | 0.26 | 0.26 | 0.19 | 0.22 | 0.48 | 0.44 | 0.20 | 0.11 | 0.23 | 0.25 |
| Leverage | ||||||||||
| Debt / Equity | -19.76 | -16.54 | -12.02 | -10.71 | -9.44 | -7.87 | -6.55 | -6.05 | -5.48 | -5.10 |
| Debt / Assets | 0.72 | 0.71 | 0.76 | 0.78 | 0.80 | 0.80 | 0.82 | 0.84 | 0.83 | 0.90 |
| Debt / EBITDA | 15.92 | - | 16.12 | 20.81 | 15.29 | - | 12.76 | 14.22 | 14.61 | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | -27.58 | -23.26 | -15.86 | -13.77 | -11.84 | -9.82 | -8.00 | -7.21 | -6.60 | -5.65 |
| Liabilities / Assets | 1.04 | 1.04 | 1.06 | 1.07 | 1.08 | 1.10 | 1.12 | 1.14 | 1.15 | 1.18 |
| Efficiency | ||||||||||
| Asset turnover | 0.38 | - | 0.34 | 0.32 | 0.35 | - | 0.36 | 0.37 | 0.35 | - |
| Inventory turnover | 1.57 | - | 1.14 | 1.07 | 1.09 | - | 0.87 | 0.89 | 0.84 | - |
| Days sales outstanding | 220d | - | 240d | 246d | 224d | - | 233d | 235d | 223d | - |
| Days inventory outstanding | 232d | - | 320d | 342d | 335d | - | 421d | 410d | 432d | - |
| Days payable outstanding | 80d | - | 111d | 100d | 98d | - | 98d | 97d | 123d | - |
| Cash conversion cycle | 373d | - | 450d | 488d | 461d | - | 555d | 548d | 533d | - |
| Valuation | ||||||||||
| P / E | 85.4x | - | 79.7x | 593.0x | 72.9x | - | 253.0x | 53.4x | 38.8x | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | 1.2x | - | 1.3x | 2.2x | 2.9x | - | 2.6x | 2.7x | 1.9x | - |
| EV / EBITDA | 24.7x | - | 24.7x | 38.6x | 32.7x | - | 27.1x | 30.8x | 25.2x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 19.8% | - | 10.6% | 9.2% | 9.7% | - | 17.8% | 3.4% | -7.4% | - |
| Revenue CAGR (3y) | 6.8% | - | 3.5% | 4.6% | 3.3% | - | 7.8% | 8.4% | 7.9% | - |
| Revenue CAGR (5y) | 10.6% | - | 10.8% | 12.7% | 10.7% | - | 11.7% | 12.2% | 10.9% | - |
| Gross profit growth (YoY) | 8.4% | - | -8.3% | -5.4% | -2.0% | - | 23.6% | 3.8% | -3.7% | - |
| Operating income growth (YoY) | -22.1% | - | -26.9% | -36.8% | -0.3% | - | 37.3% | -14.8% | -31.3% | - |
| Net income growth (YoY) | -56.9% | - | 78.5% | -91.4% | -12.5% | - | -66.5% | -8.0% | -49.8% | - |
| EPS growth (YoY) | -57.5% | - | 72.7% | -92.2% | -13.0% | - | -66.7% | -7.3% | -49.5% | - |
| EPS CAGR (3y) | -42.8% | - | -42.7% | -57.5% | -7.8% | - | -41.9% | -1.3% | - | - |
| EPS CAGR (5y) | - | - | -18.2% | 32.0% | 13.8% | - | - | - | - | - |
| FCF growth (YoY) | 3370.9% | - | - | - | -96.0% | - | - | - | 90.8% | - |
| FCF CAGR (5y) | - | - | - | - | -33.6% | - | - | - | - | - |
| Book value growth (YoY) | 52.9% | 51.3% | 40.0% | 34.9% | 38.7% | 31.4% | 24.6% | 29.2% | 31.5% | 36.7% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$545.10M totalUSDebit And Credit$451.48M · 82.8%
USPrepaid Debit$93.63M · 17.2%
Peer comparison
Same SIC group: Commercial Printing
Comparing CPI Card Group Inc. against the 3 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Jun 14, 2017 | $0.2250 |
| Mar 15, 2017 | $0.2250 |
| Dec 14, 2016 | $0.2250 |
| Sep 14, 2016 | $0.2250 |
| Jun 14, 2016 | $0.2250 |
| Mar 15, 2016 | $0.2250 |