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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $543.53M | $480.60M | $444.55M | $475.75M | $375.12M | $312.19M |
| Cost of Revenue | $373.44M | $309.38M | $289.06M | $299.98M | $233.69M | $201.88M |
| Gross Profit | $170.10M | $171.22M | $155.49M | $175.77M | $141.43M | $110.31M |
| R&D | - | - | - | - | - | - |
| SG&A | - | $103.40M | $88.25M | $90.78M | $75.70M | $65.79M |
| Total Operating Expenses | $115.25M | $108.43M | $93.90M | $96.64M | $81.96M | $71.92M |
| D&A | $22.46M | $16.42M | $15.93M | $14.89M | $15.10M | $16.83M |
| Operating Income | $54.84M | $62.79M | $61.59M | $79.13M | $59.46M | $38.39M |
| Interest Expense | - | - | - | - | - | - |
| Income Tax | $6.66M | $5.51M | $10.48M | $12.61M | $7.88M | ($3.31M) |
| Net Income | $14.95M | $19.52M | $23.98M | $36.54M | $15.94M | $16.13M |
| EPS - Basic | $1.32 | $1.75 | $2.10 | $3.24 | $1.42 | $1.44 |
| EPS - Diluted | $1.25 | $1.64 | $2.01 | $3.11 | $1.36 | $1.44 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $21.70M | $33.54M | $12.41M | $11.04M | $20.68M | $57.60M |
| Accounts Receivable | $95.44M | $85.49M | $73.72M | $80.58M | $60.95M | $54.59M |
| Inventory | $72.24M | $72.66M | $70.59M | $68.40M | $58.01M | $24.80M |
| Accounts Payable | $27.80M | $16.12M | $12.80M | $24.37M | $26.44M | $18.88M |
| Current Assets | $204.94M | $203.04M | $165.38M | $167.57M | $145.70M | $152.53M |
| Total Assets | $403.19M | $349.66M | $293.68M | $296.67M | $268.14M | $266.15M |
| Current Liabilities | $84.10M | $75.59M | $49.45M | $68.01M | $64.78M | $56.93M |
| Long-term Debt | $286.67M | $280.40M | $265.00M | $285.52M | $303.63M | $328.68M |
| Total Liabilities | $420.52M | $385.28M | $345.62M | $378.74M | $389.16M | $404.19M |
| Stockholders' Equity | ($17.33M) | ($35.62M) | ($51.94M) | ($82.08M) | ($121.02M) | ($138.04M) |
| Retained Earnings | $84.75M | $69.80M | $50.28M | $26.29M | ($10.25M) | ($26.19M) |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $59.50M | $43.31M | $34.04M | $20.23M | $20.23M | $22.07M |
| Investing Cash Flow | ($65.13M) | ($9.22M) | ($6.22M) | ($17.77M) | ($9.92M) | ($7.09M) |
| Financing Cash Flow | ($6.22M) | ($12.96M) | ($26.44M) | ($23.16M) | ($47.23M) | $23.98M |
| CapEx | $18.18M | $9.26M | $6.41M | $17.87M | $10.07M | $7.09M |
| Free Cash Flow | $41.33M | $34.06M | $27.64M | $2.36M | $10.15M | $14.98M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 31.3% | 35.6% | 35.0% | 36.9% | 37.7% | 35.3% |
| Operating margin | 10.1% | 13.1% | 13.9% | 16.6% | 15.9% | 12.3% |
| EBITDA margin | 14.2% | 16.5% | 17.4% | 19.8% | 19.9% | 17.7% |
| Net margin | 2.8% | 4.1% | 5.4% | 7.7% | 4.2% | 5.2% |
| Free cash flow margin | 7.6% | 7.1% | 6.2% | 0.5% | 2.7% | 4.8% |
| FCF / Net income | 2.76 | 1.74 | 1.15 | 0.06 | 0.64 | 0.93 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | 21.5% | 19.9% | 19.1% | 20.2% | 21.1% |
| Effective tax rate | 30.8% | 22.0% | 30.4% | 25.7% | 33.1% | -25.8% |
| Return on assets | 3.7% | 5.6% | 8.2% | 12.3% | 5.9% | 6.1% |
| Return on equity | -86.3% | -54.8% | -46.2% | -44.5% | -13.2% | -11.7% |
| Return on invested capital | 14.1% | 20.0% | 20.1% | 28.9% | 21.8% | 20.1% |
| Liquidity | ||||||
| Current ratio | 2.44 | 2.69 | 3.34 | 2.46 | 2.25 | 2.68 |
| Quick ratio | 1.58 | 1.72 | 1.92 | 1.46 | 1.35 | 2.24 |
| Cash ratio | 0.26 | 0.44 | 0.25 | 0.16 | 0.32 | 1.01 |
| Leverage | ||||||
| Debt / Equity | -16.54 | -7.87 | -5.10 | -3.48 | -2.51 | -2.38 |
| Debt / Assets | 0.71 | 0.80 | 0.90 | 0.96 | 1.13 | 1.23 |
| Debt / EBITDA | 3.71 | 3.54 | 3.42 | 3.04 | 4.07 | 5.95 |
| Interest coverage | - | - | - | - | - | - |
| Equity multiplier | -23.26 | -9.82 | -5.65 | -3.61 | -2.22 | -1.93 |
| Liabilities / Assets | 1.04 | 1.10 | 1.18 | 1.28 | 1.45 | 1.52 |
| Efficiency | ||||||
| Asset turnover | 1.35 | 1.37 | 1.51 | 1.60 | 1.40 | 1.17 |
| Inventory turnover | 5.17 | 4.26 | 4.09 | 4.39 | 4.03 | 8.14 |
| Days sales outstanding | 64d | 65d | 61d | 62d | 59d | 64d |
| Days inventory outstanding | 71d | 86d | 89d | 83d | 91d | 45d |
| Days payable outstanding | 27d | 19d | 16d | 30d | 41d | 34d |
| Cash conversion cycle | 108d | 132d | 134d | 115d | 109d | 75d |
| Valuation | ||||||
| P / E | 11.7x | 18.2x | 9.5x | 11.6x | 13.6x | 3.0x |
| P / B | - | - | - | - | - | - |
| P / S | 0.3x | 0.7x | 0.5x | 0.9x | 0.6x | 0.2x |
| EV / EBITDA | 5.7x | 7.6x | 6.2x | 7.4x | 6.7x | 5.8x |
| Growth | ||||||
| Revenue growth (YoY) | 13.1% | 8.1% | -6.6% | 26.8% | 20.2% | 12.3% |
| Revenue CAGR (3y) | 4.5% | 8.6% | 12.5% | 19.6% | 13.6% | 7.0% |
| Revenue CAGR (5y) | 11.7% | 11.6% | 11.7% | 13.3% | 4.0% | 9.7% |
| Gross profit growth (YoY) | -0.7% | 10.1% | -11.5% | 24.3% | 28.2% | 20.8% |
| Operating income growth (YoY) | -12.7% | 2.0% | -22.2% | 33.1% | 54.9% | 50.3% |
| Net income growth (YoY) | -23.4% | -18.6% | -34.4% | 129.2% | -1.2% | - |
| EPS growth (YoY) | -23.8% | -18.4% | -35.4% | 128.7% | -5.6% | - |
| EPS CAGR (3y) | -26.2% | 6.4% | 11.8% | - | - | - |
| EPS CAGR (5y) | -2.8% | - | - | - | - | - |
| FCF growth (YoY) | 21.4% | 23.2% | 1070.0% | -76.7% | -32.2% | - |
| FCF CAGR (5y) | 22.5% | - | - | - | -26.0% | 0.8% |
| Book value growth (YoY) | 51.3% | 31.4% | 36.7% | 32.2% | 12.3% | 9.4% |
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%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
2.14
Grey zone
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- ✗Current ratio improved
- ✓No share dilution
- ✗Gross margin improved
- ✗Asset turnover improved
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 |