Cpi Card Group Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Cpi Card Group has an operating margin of 13.1%, meaning the company retains $13 of operating profit per $100 of revenue. This strong profitability earns a score of 65/100, reflecting efficient cost management and pricing power. This is down from 13.9% the prior year.
Cpi Card Group's revenue grew 8.1% year-over-year to $480.6M, a solid pace of expansion. This earns a growth score of 52/100.
With a current ratio of 2.69, Cpi Card Group holds $2.69 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 87/100.
Cpi Card Group has a free cash flow margin of 7.1%, earning a moderate score of 35/100. The company generates positive cash flow after capital investments, but with room for improvement.
Cpi Card Group scores 2.89, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Cpi Card Group passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Cpi Card Group generates $2.22 in operating cash flow ($43.3M OCF vs $19.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Cpi Card Group (PMTS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Cpi Card Group generated $480.6M in revenue in fiscal year 2024. This represents an increase of 8.1% from the prior year.
Cpi Card Group's EBITDA was $79.2M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 2.2% from the prior year.
Cpi Card Group generated $34.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 23.2% from the prior year.
Cpi Card Group reported $19.5M in net income in fiscal year 2024. This represents a decrease of 18.6% from the prior year.
Cpi Card Group earned $1.64 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 18.4% from the prior year.
Cpi Card Group held $33.5M in cash against $280.4M in long-term debt as of fiscal year 2024.
Cpi Card Group had 11M shares outstanding in fiscal year 2024. This represents a decrease of 1.8% from the prior year.
Cpi Card Group's gross margin was 35.6% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is up 0.7 percentage points from the prior year.
Cpi Card Group's operating margin was 13.1% in fiscal year 2024, reflecting core business profitability. This is down 0.8 percentage points from the prior year.
Cpi Card Group's net profit margin was 4.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.
Cpi Card Group spent $8.7M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 3371.2% from the prior year.
Cpi Card Group invested $9.3M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 44.5% from the prior year.
PMTS Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $138.0M+6.3% | $129.8M+5.7% | $122.8M-1.9% | $125.1M+5.3% | $118.8M+6.1% | $111.9M+8.8% | $102.9M-2.8% | $105.9M |
| Cost of Revenue | $97.0M+8.2% | $89.6M+9.2% | $82.1M-0.5% | $82.5M+7.9% | $76.4M+8.5% | $70.4M+4.4% | $67.5M-3.2% | $69.7M |
| Gross Profit | $41.0M+2.2% | $40.1M-1.4% | $40.7M-4.5% | $42.6M+0.5% | $42.4M+2.1% | $41.5M+17.2% | $35.4M-2.0% | $36.2M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $26.5M-9.6% | $29.3M+14.9% | $25.5M+0.1% | $25.5M-2.9% | $26.2M+0.7% | $26.0M+10.7% | $23.5M+8.0% | $21.8M |
| Operating Income | $13.0M+38.2% | $9.4M-33.2% | $14.1M-11.5% | $15.9M+6.9% | $14.9M+5.4% | $14.1M+34.2% | $10.5M-18.7% | $13.0M |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | $1.4M+74.4% | $823K-50.5% | $1.7M+12.4% | $1.5M-35.7% | $2.3M+4.5% | $2.2M+89.8% | $1.2M-50.4% | $2.3M |
| Net Income | $2.3M+345.6% | $518K-89.1% | $4.8M-29.5% | $6.8M+12.8% | $6.0M+10.0% | $5.5M+99.7% | $2.7M-29.2% | $3.9M |
| EPS (Diluted) | $0.19+375.0% | $0.04-90.0% | $0.40-28.6% | $0.56+9.8% | $0.51+10.9% | $0.46+109.1% | $0.22-33.3% | $0.33 |
PMTS Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $407.1M+1.8% | $399.8M+13.6% | $351.9M+0.6% | $349.7M+8.8% | $321.4M+0.5% | $319.8M+8.9% | $293.7M+0.5% | $292.1M |
| Current Assets | $211.3M+3.4% | $204.3M+6.1% | $192.6M-5.1% | $203.0M+13.0% | $179.7M-0.7% | $180.9M+9.4% | $165.4M+2.8% | $160.8M |
| Cash & Equivalents | $16.0M-6.8% | $17.1M-45.7% | $31.5M-6.0% | $33.5M+348.5% | $7.5M-56.4% | $17.1M+38.1% | $12.4M+18.5% | $10.5M |
| Inventory | $85.1M+1.5% | $83.9M+11.5% | $75.3M+3.6% | $72.7M-15.4% | $85.9M+3.0% | $83.4M+18.1% | $70.6M-4.7% | $74.1M |
| Accounts Receivable | $90.8M+3.7% | $87.5M+15.9% | $75.5M-11.7% | $85.5M+11.9% | $76.4M+11.5% | $68.5M-7.0% | $73.7M+9.1% | $67.5M |
| Goodwill | $50.6M+5.1% | $48.2M+2.3% | $47.1M0.0% | $47.1M0.0% | $47.1M0.0% | $47.1M0.0% | $47.1M0.0% | $47.1M |
| Total Liabilities | $432.7M+0.9% | $428.8M+12.4% | $381.6M-0.9% | $385.3M+5.3% | $366.0M-0.6% | $368.2M+6.5% | $345.6M-0.9% | $348.8M |
| Current Liabilities | $82.5M+4.3% | $79.0M+21.2% | $65.2M-13.7% | $75.6M+9.6% | $68.9M-6.8% | $74.0M+49.7% | $49.4M+8.4% | $45.6M |
| Long-Term Debt | $308.4M-0.8% | $310.9M+10.8% | $280.7M+0.1% | $280.4M+4.0% | $269.7M+1.6% | $265.3M+0.1% | $265.0M-2.8% | $272.7M |
| Total Equity | -$25.7M+11.6% | -$29.0M+2.3% | -$29.7M+16.6% | -$35.6M+20.1% | -$44.6M+8.0% | -$48.5M+6.7% | -$51.9M+8.4% | -$56.7M |
| Retained Earnings | $77.4M+3.1% | $75.1M+0.7% | $74.6M+6.8% | $69.8M+13.1% | $61.7M+10.8% | $55.7M+10.9% | $50.3M+5.7% | $47.5M |
PMTS Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.0M+129.6% | $4.3M-22.3% | $5.6M-79.0% | $26.7M+660.5% | -$4.8M-153.7% | $8.9M-24.7% | $11.8M-1.4% | $11.9M |
| Capital Expenditures | $4.7M+22.4% | $3.8M-28.1% | $5.3M+4.8% | $5.1M+308.6% | $1.2M-17.8% | $1.5M+357.8% | $329K+163.5% | -$518K |
| Free Cash Flow | $5.3M+896.1% | $533K+82.5% | $292K-98.6% | $21.6M+460.4% | -$6.0M-181.5% | $7.4M-35.7% | $11.4M+0.2% | $11.4M |
| Investing Cash Flow | -$4.7M+89.9% | -$46.3M-780.8% | -$5.3M-4.5% | -$5.0M-305.7% | -$1.2M+17.8% | -$1.5M-357.8% | -$329K-157.4% | $573K |
| Financing Cash Flow | -$6.5M-123.5% | $27.5M+1262.8% | -$2.4M+13.8% | -$2.7M+25.2% | -$3.7M-39.6% | -$2.6M+72.4% | -$9.5M+28.0% | -$13.2M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | $0-100.0% | $5.2M+318.5% | $1.3M | N/A | N/A |
PMTS Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.7%-1.2pp | 30.9%-2.2pp | 33.1%-0.9pp | 34.1%-1.6pp | 35.7%-1.4pp | 37.1%+2.7pp | 34.4%+0.3pp | 34.2% |
| Operating Margin | 9.4%+2.2pp | 7.3%-4.2pp | 11.5%-1.3pp | 12.7%+0.2pp | 12.6%-0.1pp | 12.6%+2.4pp | 10.2%-2.0pp | 12.2% |
| Net Margin | 1.7%+1.3pp | 0.4%-3.5pp | 3.9%-1.5pp | 5.4%+0.4pp | 5.1%+0.2pp | 4.9%+2.2pp | 2.7%-1.0pp | 3.6% |
| Return on Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | 0.6%+0.4pp | 0.1%-1.2pp | 1.4%-0.6pp | 1.9%+0.1pp | 1.9%+0.2pp | 1.7%+0.8pp | 0.9%-0.4pp | 1.3% |
| Current Ratio | 2.56-0.0 | 2.59-0.4 | 2.95+0.3 | 2.69+0.1 | 2.61+0.2 | 2.44-0.9 | 3.34-0.2 | 3.52 |
| Debt-to-Equity | -12.02-1.3 | -10.71-1.3 | -9.44-1.6 | -7.87-1.8 | -6.05-0.6 | -5.48-0.4 | -5.10-0.3 | -4.81 |
| FCF Margin | 3.9%+3.4pp | 0.4%+0.2pp | 0.2%-17.0pp | 17.3%+22.3pp | -5.1%-11.6pp | 6.6%-4.6pp | 11.1%+0.3pp | 10.8% |
Note: Shareholder equity is negative (-$35.6M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
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Frequently Asked Questions
What is Cpi Card Group's annual revenue?
Cpi Card Group (PMTS) reported $480.6M in total revenue for fiscal year 2024. This represents a 8.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Cpi Card Group's revenue growing?
Cpi Card Group (PMTS) revenue grew by 8.1% year-over-year, from $444.5M to $480.6M in fiscal year 2024.
Is Cpi Card Group profitable?
Yes, Cpi Card Group (PMTS) reported a net income of $19.5M in fiscal year 2024, with a net profit margin of 4.1%.
What is Cpi Card Group's earnings per share (EPS)?
Cpi Card Group (PMTS) reported diluted earnings per share of $1.64 for fiscal year 2024. This represents a -18.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Cpi Card Group's EBITDA?
Cpi Card Group (PMTS) had EBITDA of $79.2M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Cpi Card Group have?
As of fiscal year 2024, Cpi Card Group (PMTS) had $33.5M in cash and equivalents against $280.4M in long-term debt.
What is Cpi Card Group's gross margin?
Cpi Card Group (PMTS) had a gross margin of 35.6% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is Cpi Card Group's operating margin?
Cpi Card Group (PMTS) had an operating margin of 13.1% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Cpi Card Group's net profit margin?
Cpi Card Group (PMTS) had a net profit margin of 4.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Cpi Card Group's free cash flow?
Cpi Card Group (PMTS) generated $34.1M in free cash flow during fiscal year 2024. This represents a 23.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Cpi Card Group's operating cash flow?
Cpi Card Group (PMTS) generated $43.3M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Cpi Card Group's total assets?
Cpi Card Group (PMTS) had $349.7M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Cpi Card Group's capital expenditures?
Cpi Card Group (PMTS) invested $9.3M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Cpi Card Group buy back shares?
Yes, Cpi Card Group (PMTS) spent $8.7M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Cpi Card Group have outstanding?
Cpi Card Group (PMTS) had 11M shares outstanding as of fiscal year 2024.
What is Cpi Card Group's current ratio?
Cpi Card Group (PMTS) had a current ratio of 2.69 as of fiscal year 2024, which is generally considered healthy.
What is Cpi Card Group's debt-to-equity ratio?
Cpi Card Group (PMTS) had a debt-to-equity ratio of -7.87 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Cpi Card Group's return on assets (ROA)?
Cpi Card Group (PMTS) had a return on assets of 5.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
Why is Cpi Card Group's debt-to-equity ratio negative or unusual?
Cpi Card Group (PMTS) has negative shareholder equity of -$35.6M as of fiscal year 2024, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
What is Cpi Card Group's Altman Z-Score?
Cpi Card Group (PMTS) has an Altman Z-Score of 2.89, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Cpi Card Group's Piotroski F-Score?
Cpi Card Group (PMTS) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Cpi Card Group's earnings high quality?
Cpi Card Group (PMTS) has an earnings quality ratio of 2.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Cpi Card Group?
Cpi Card Group (PMTS) scores 60 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.