What is CPI Card Group Inc.'s earnings per share (EPS)?

CPI Card Group Inc. (PMTS) reported diluted earnings per share of $1.25 for fiscal year 2025. This represents a -23.8% 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.

CPI Card Group Inc. Financials

PMTS

FY2025 annual

Revenue $543.5M +13.1% YoY

Net Income $14.9M -23.4% YoY

EPS (Diluted) $1.25 -23.8% YoY

Free Cash Flow $41.3M +21.4% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

CPI Card Group Inc. (PMTS) reported $543.5M in revenue for fiscal year 2025, up 13.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 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).

Rhea AI PMTS FY2025 2026-05-05

Cash generation is outrunning reported profit even as higher sales carry thinner gross economics and leverage still defines the balance sheet.

From FY2024 to FY2025, revenue climbed to $543.5M while gross profit slipped to $170.1M, meaning the added volume was less lucrative per dollar sold rather than evidence of simple scale benefits. Even with operating margin down to 10.1%, operating cash flow reached $59.5M; cash conversion improved because inventory stayed controlled and larger non-cash charges softened the hit from weaker accounting earnings.

Structural leverage still matters more than short-term liquidity. Liabilities of $420.5M exceed assets of $403.2M, so the weak spot is limited balance-sheet cushion; current assets still comfortably cover current liabilities.

This business is becoming more cash-efficient than its net income suggests: free cash flow rose from $27.6M in FY2023 to $41.3M in FY2025. With FY2025 capex at $18.2M against operating cash flow of $59.5M, maintenance and growth spending are not swallowing most of the cash the operation produces.

Financial Health Signals

Financial Health Score 62/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of CPI Card Group Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

CPI Card Group Inc. has an operating margin of 10.1%, meaning the company retains $10 of operating profit per $100 of revenue. This strong profitability earns a score of 76/100, reflecting efficient cost management and pricing power. This is down from 13.1% the prior year.

Growth

CPI Card Group Inc.'s revenue grew 13.1% year-over-year to $543.5M, a solid pace of expansion. This earns a growth score of 66/100.

Leverage

Liquidity

With a current ratio of 2.44, CPI Card Group Inc. holds $2.44 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 68/100.

Cash Flow

CPI Card Group Inc. has a free cash flow margin of 7.6%, earning a moderate score of 57/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Altman Z-Score Grey Zone

2.91

CPI Card Group Inc. scores 2.91, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Neutral

4/9

CPI Card Group Inc. passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

3.98x

For every $1 of reported earnings, CPI Card Group Inc. generates $3.98 in operating cash flow ($59.5M OCF vs $14.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$543.5M

YoY+13.1%

5Y CAGR+11.7%

10Y CAGR+3.8%

CPI Card Group Inc. generated $543.5M in revenue in fiscal year 2025. This represents an increase of 13.1% from the prior year.

EBITDA

$77.3M

YoY-2.4%

5Y CAGR+7.0%

10Y CAGR-0.8%

CPI Card Group Inc.'s EBITDA was $77.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 2.4% from the prior year.

Net Income

$14.9M

YoY-23.4%

5Y CAGR-1.5%

10Y CAGR-7.0%

CPI Card Group Inc. reported $14.9M in net income in fiscal year 2025. This represents a decrease of 23.4% from the prior year.

EPS (Diluted)

$1.25

YoY-23.8%

5Y CAGR-2.8%

CPI Card Group Inc. earned $1.25 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 23.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$41.3M

YoY+21.4%

5Y CAGR+22.5%

10Y CAGR+5.0%

CPI Card Group Inc. generated $41.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 21.4% from the prior year.

Cash & Debt

$21.7M

YoY-35.3%

5Y CAGR-17.7%

10Y CAGR+4.8%

CPI Card Group Inc. held $21.7M in cash against $286.7M in long-term debt as of fiscal year 2025.

Shares Outstanding

11M

YoY+1.9%

5Y CAGR+0.4%

CPI Card Group Inc. had 11M shares outstanding in fiscal year 2025. This represents an increase of 1.9% from the prior year.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Gross Margin

31.3%

YoY-4.3pp

5Y CAGR-4.0pp

10Y CAGR-5.0pp

CPI Card Group Inc.'s gross margin was 31.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 4.3 percentage points from the prior year.

Operating Margin

10.1%

YoY-3.0pp

5Y CAGR-2.2pp

10Y CAGR-8.0pp

CPI Card Group Inc.'s operating margin was 10.1% in fiscal year 2025, reflecting core business profitability. This is down 3.0 percentage points from the prior year.

Net Margin

2.8%

YoY-1.3pp

5Y CAGR-2.4pp

10Y CAGR-5.5pp

CPI Card Group Inc.'s net profit margin was 2.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.

Return on Equity

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures

$18.2M

YoY+96.3%

5Y CAGR+20.7%

10Y CAGR-0.3%

CPI Card Group Inc. invested $18.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 96.3% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

PMTS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PMTS annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Revenue	$587.3M	$543.5M+13.1%	$480.6M+8.1%	$444.5M-6.6%	$475.7M+26.8%	$375.1M+20.2%	$312.2M+12.3%	$278.1M+8.7%	$255.8M+14.3%	$223.7M-27.5%	$308.7M-17.5%	$374.1M+43.3%	$261.0M+32.9%	$196.4M
Cost of Revenue	$405.4M	$373.4M+20.7%	$309.4M+7.0%	$289.1M-3.6%	$300.0M+28.4%	$233.7M+15.8%	$201.9M+8.0%	$187.0M+5.5%	$177.2M+13.9%	$155.5M-24.8%	$206.8M-13.2%	$238.3M+32.9%	$179.3M+31.0%	$136.9M
Gross Profit	$181.9M	$170.1M-0.7%	$171.2M+10.1%	$155.5M-11.5%	$175.8M+24.3%	$141.4M+28.2%	$110.3M+21.1%	$91.1M+15.9%	$78.6M+15.2%	$68.2M-33.1%	$101.9M-25.0%	$135.8M+66.2%	$81.7M+37.4%	$59.5M
SG&A Expenses	N/A	N/A	$103.4M+17.2%	$88.3M-2.8%	$90.8M+19.9%	$75.7M+15.1%	$65.8M-0.8%	$66.3M-2.5%	$68.0M+9.3%	$62.2M-2.8%	$64.0M+4.7%	$61.1M+43.3%	$42.6M+45.0%	$29.4M
Operating Income	$54.2M	$54.8M-12.7%	$62.8M+2.0%	$61.6M-22.2%	$79.1M+33.1%	$59.5M+54.9%	$38.4M+55.4%	$24.7M+438.6%	$4.6M+123.8%	-$19.3M-166.6%	$29.0M-57.2%	$67.7M+96.4%	$34.5M+31.8%	$26.1M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	-$25.4M-2.0%	-$24.9M-6.2%	-$23.4M-12.4%	-$20.9M-4.0%	-$20.0M-9.4%	-$18.3M-144.1%	-$7.5M+4.2%	-$7.8M
Income Tax	$7.5M	$6.7M+20.9%	$5.5M-47.4%	$10.5M-16.9%	$12.6M+60.0%	$7.9M+338.5%	-$3.3M-195.1%	$3.5M+180.1%	-$4.3M+73.8%	-$16.5M-626.3%	$3.1M-82.4%	$17.8M+73.4%	$10.3M+47.3%	$7.0M
Net Income	$13.8M	$14.9M-23.4%	$19.5M-18.6%	$24.0M-34.4%	$36.5M+129.2%	$15.9M-1.2%	$16.1M+415.2%	-$5.1M+86.3%	-$37.5M-70.2%	-$22.0M-507.7%	$5.4M-82.5%	$30.9M+132.0%	$13.3M+54.9%	$8.6M
EPS (Diluted)	—	$1.25-23.8%	$1.64-18.4%	$2.01-35.4%	$3.11+128.7%	$1.36-5.6%	$1.44+413.0%	-$0.46	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$149.2M+1.4%	$147.1M-3.9%	$153.1M+10.9%	$138.0M+6.3%	$129.8M+5.7%	$122.8M-1.9%	$125.1M+0.3%	$124.8M
Cost of Revenue	$100.7M-2.2%	$103.0M-1.7%	$104.8M+8.0%	$97.0M+8.2%	$89.6M+9.2%	$82.1M-0.5%	$82.5M+3.0%	$80.1M
Gross Profit	$48.5M+9.9%	$44.1M-8.6%	$48.3M+17.8%	$41.0M+2.2%	$40.1M-1.4%	$40.7M-4.5%	$42.6M-4.7%	$44.7M
SG&A Expenses	N/A	N/A	N/A	$26.5M-9.6%	$29.3M+14.9%	$25.5M+0.1%	$25.5M-0.8%	$25.7M
Operating Income	$11.9M+7.9%	$11.0M-39.9%	$18.3M+40.5%	$13.0M+38.2%	$9.4M-33.2%	$14.1M-11.5%	$15.9M-10.4%	$17.8M
Income Tax	$2.1M+84.5%	$1.2M-57.7%	$2.7M+90.6%	$1.4M+74.4%	$823K-50.5%	$1.7M+12.4%	$1.5M+412.2%	-$474K
Net Income	$2.0M-0.8%	$2.1M-72.0%	$7.3M+218.5%	$2.3M+345.6%	$518K-89.1%	$4.8M-29.5%	$6.8M+423.7%	$1.3M
EPS (Diluted)	$0.170.0%	$0.17	N/A	$0.19+375.0%	$0.04-90.0%	$0.40	N/A	$0.11

Not reported in any period shown, so not listed: R&D Expenses.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

PMTS Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PMTS annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Total Assets	$403.2M+15.3%	$349.7M+19.1%	$293.7M-1.0%	$296.7M+10.6%	$268.1M+0.7%	$266.2M+24.9%	$213.0M+2.8%	$207.2M-11.5%	$234.0M-11.5%	$264.4M-5.7%	$280.4M+5.4%	$266.0M	N/A
Current Assets	$204.9M+0.9%	$203.0M+22.8%	$165.4M-1.3%	$167.6M+15.0%	$145.7M-4.5%	$152.5M+65.4%	$92.2M+9.2%	$84.5M-17.2%	$102.1M+10.5%	$92.4M-8.5%	$101.0M+13.9%	$88.7M	N/A
Cash & Equivalents	$21.7M-35.3%	$33.5M+170.2%	$12.4M+12.5%	$11.0M-46.6%	$20.7M-64.1%	$57.6M+208.3%	$18.7M-7.9%	$20.3M-12.6%	$23.2M-37.2%	$37.0M+171.6%	$13.6M+5.1%	$12.9M+33.4%	$9.7M
Inventory	$72.2M-0.6%	$72.7M+2.9%	$70.6M+3.2%	$68.4M+17.9%	$58.0M+133.9%	$24.8M+22.8%	$20.2M+105.5%	$9.8M-28.8%	$13.8M-28.8%	$19.4M-24.5%	$25.6M+18.7%	$21.6M	N/A
Accounts Receivable	$95.4M+11.6%	$85.5M+16.0%	$73.7M-8.5%	$80.6M+32.2%	$61.0M+11.7%	$54.6M+27.5%	$42.8M-2.2%	$43.8M+34.6%	$32.5M+3.3%	$31.5M-40.1%	$52.5M+20.6%	$43.5M	N/A
Goodwill	$48.8M+3.4%	$47.1M0.0%	$47.1M0.0%	$47.1M0.0%	$47.1M0.0%	$47.1M0.0%	$47.1M0.0%	$47.1M0.0%	$47.1M-28.7%	$66.1M-9.6%	$73.1M-0.9%	$73.8M+80.8%	$40.8M
Total Liabilities	$420.5M+9.1%	$385.3M+11.5%	$345.6M-8.7%	$378.7M-2.7%	$389.2M-3.7%	$404.2M+10.0%	$367.3M+3.0%	$356.8M+0.9%	$353.6M-1.7%	$359.7M-2.0%	$367.0M+27.5%	$287.7M	N/A
Current Liabilities	$84.1M+11.3%	$75.6M+52.9%	$49.4M-27.3%	$68.0M+5.0%	$64.8M+13.8%	$56.9M+36.6%	$41.7M+1.0%	$41.3M+17.8%	$35.0M-0.7%	$35.3M-16.1%	$42.0M+14.8%	$36.6M	N/A
Long-Term Debt	$286.7M+2.2%	$280.4M+5.8%	$265.0M-7.2%	$285.5M-6.0%	$303.6M-7.6%	$328.7M+6.8%	$307.8M+0.6%	$305.8M+0.6%	$303.9M+0.6%	$301.9M+0.6%	$300.0M+73.9%	$172.5M	N/A
Total Equity	-$17.3M+51.3%	-$35.6M+31.4%	-$51.9M+36.7%	-$82.1M+32.2%	-$121.0M+12.3%	-$138.0M+10.5%	-$154.3M-2.3%	-$150.8M-26.1%	-$119.6M-25.5%	-$95.3M-10.0%	-$86.6M-299.2%	-$21.7M+41.2%	-$36.9M
Retained Earnings	$84.7M+21.4%	$69.8M+38.8%	$50.3M+91.2%	$26.3M+356.5%	-$10.2M+60.9%	-$26.2M+38.1%	-$42.3M-17.5%	-$36.0M-2535.7%	-$1.4M-105.3%	$26.0M-29.2%	$36.7M+532.3%	$5.8M	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$390.4M+1.0%	$386.5M-4.2%	$403.2M-1.0%	$407.1M+1.8%	$399.8M+13.6%	$351.9M+0.6%	$349.7M+2.1%	$342.3M
Current Assets	$188.2M-0.4%	$188.9M-7.8%	$204.9M-3.0%	$211.3M+3.4%	$204.3M+6.1%	$192.6M-5.1%	$203.0M+2.1%	$198.8M
Cash & Equivalents	$21.4M+10.7%	$19.3M-11.1%	$21.7M+36.0%	$16.0M-6.8%	$17.1M-45.7%	$31.5M-6.0%	$33.5M+129.0%	$14.7M
Inventory	$62.9M-4.0%	$65.5M-9.3%	$72.2M-15.1%	$85.1M+1.5%	$83.9M+11.5%	$75.3M+3.6%	$72.7M-21.3%	$92.3M
Accounts Receivable	$88.4M-0.4%	$88.7M-7.1%	$95.4M+5.1%	$90.8M+3.7%	$87.5M+15.9%	$75.5M-11.7%	$85.5M+7.4%	$79.6M
Goodwill	$52.7M+8.2%	$48.8M0.0%	$48.8M-3.7%	$50.6M+5.1%	$48.2M+2.3%	$47.1M0.0%	$47.1M0.0%	$47.1M
Total Liabilities	$401.9M+0.4%	$400.5M-4.8%	$420.5M-2.8%	$432.7M+0.9%	$428.8M+12.4%	$381.6M-0.9%	$385.3M0.0%	$385.1M
Current Liabilities	$90.1M+21.3%	$74.3M-11.6%	$84.1M+2.0%	$82.5M+4.3%	$79.0M+21.2%	$65.2M-13.7%	$75.6M+0.6%	$75.1M
Long-Term Debt	$262.1M-5.3%	$276.9M-3.4%	$286.7M-7.1%	$308.4M-0.8%	$310.9M+10.8%	$280.7M+0.1%	$280.4M+0.1%	$280.2M
Total Equity	-$11.5M+18.1%	-$14.0M+19.2%	-$17.3M+32.4%	-$25.7M+11.6%	-$29.0M+2.3%	-$29.7M+16.6%	-$35.6M+16.8%	-$42.8M
Retained Earnings	$88.8M+2.4%	$86.8M+2.4%	$84.7M+9.5%	$77.4M+3.1%	$75.1M+0.7%	$74.6M+6.8%	$69.8M+10.7%	$63.0M

PMTS Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PMTS annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Operating Cash Flow	$91.7M	$59.5M+37.4%	$43.3M+27.2%	$34.0M+8.6%	$31.3M+54.9%	$20.2M-8.4%	$22.1M+644.5%	$3.0M-58.1%	$7.1M+191.3%	$2.4M-96.0%	$60.0M+36.5%	$43.9M+65.0%	$26.6M+12.7%	$23.6M
Capital Expenditures	$15.2M	$18.2M+96.3%	$9.3M+44.5%	$6.4M-64.2%	$17.9M+77.4%	$10.1M+42.0%	$7.1M+69.9%	$4.2M-25.9%	$5.6M-22.4%	$7.3M-49.2%	$14.3M-23.4%	$18.7M+10.1%	$17.0M+83.5%	$9.2M
Free Cash Flow	$76.6M	$41.3M+21.4%	$34.1M+23.2%	$27.6M+105.2%	$13.5M+32.6%	$10.2M-32.2%	$15.0M+1338.2%	-$1.2M-184.3%	$1.4M+129.7%	-$4.8M-110.6%	$45.7M+80.8%	$25.3M+161.1%	$9.7M-32.8%	$14.4M
Investing Cash Flow	-$25.7M	-$65.1M-606.3%	-$9.2M-48.2%	-$6.2M+65.0%	-$17.8M-79.2%	-$9.9M-39.8%	-$7.1M-175.6%	-$2.6M	N/A	-$8.8M+38.5%	-$14.3M-4.6%	-$13.7M+81.0%	-$71.8M-677.2%	-$9.2M
Financing Cash Flow	-$61.7M	-$6.2M+52.0%	-$13.0M+51.0%	-$26.4M-14.2%	-$23.2M+51.0%	-$47.2M-297.0%	$24.0M+1344.9%	-$1.9M-271.1%	-$519K+93.4%	-$7.9M+64.0%	-$21.9M+25.5%	-$29.4M-160.6%	$48.5M+500.8%	-$12.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$7.5M+0.3%	$7.5M-96.7%	$230.3M	N/A	N/A
Share Buybacks	N/A	N/A	$8.7M+3371.2%	$250K	N/A	N/A	N/A	N/A	N/A	N/A	$6.0M-89.7%	$58.3M	N/A	$48K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$28.5M+108.8%	$13.6M-65.5%	$39.6M+297.0%	$10.0M+129.6%	$4.3M-22.3%	$5.6M-79.0%	$26.7M+112.5%	$12.5M
Capital Expenditures	$2.6M-26.4%	$3.5M-20.1%	$4.4M-5.7%	$4.7M+22.4%	$3.8M-28.1%	$5.3M+4.8%	$5.1M+247.6%	$1.5M
Free Cash Flow	$25.9M+155.7%	$10.1M-71.2%	$35.2M+562.9%	$5.3M+896.1%	$533K+82.5%	$292K-98.6%	$21.6M+94.8%	$11.1M
Investing Cash Flow	-$8.6M-144.6%	-$3.5M+60.8%	-$9.0M-92.1%	-$4.7M+89.9%	-$46.3M-780.8%	-$5.3M-4.5%	-$5.0M-245.5%	-$1.5M
Financing Cash Flow	-$17.8M-42.2%	-$12.5M+49.6%	-$24.9M-284.2%	-$6.5M-123.5%	$27.5M+1262.8%	-$2.4M+13.8%	-$2.7M+30.0%	-$3.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$2.2M

PMTS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

PMTS annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Gross Margin	31.3%-4.3pp	35.6%+0.7pp	35.0%-2.0pp	37.0%-0.8pp	37.7%+2.4pp	35.3%+2.6pp	32.8%+2.0pp	30.7%+0.2pp	30.5%-2.5pp	33.0%-3.3pp	36.3%+5.0pp	31.3%+1.0pp	30.3%
Operating Margin	10.1%-3.0pp	13.1%-0.8pp	13.9%-2.8pp	16.6%+0.8pp	15.8%+3.6pp	12.3%+3.4pp	8.9%+7.1pp	1.8%+10.4pp	-8.6%-18.0pp	9.4%-8.7pp	18.1%+4.9pp	13.2%-0.1pp	13.3%
Net Margin	2.8%-1.3pp	4.1%-1.3pp	5.4%-2.3pp	7.7%+3.4pp	4.3%-0.9pp	5.2%+7.0pp	-1.8%+12.8pp	-14.6%-4.8pp	-9.8%-11.6pp	1.8%-6.5pp	8.3%+3.2pp	5.1%+0.7pp	4.4%
Return on Assets	3.7%-1.9pp	5.6%-2.6pp	8.2%-4.2pp	12.3%+6.4pp	5.9%-0.1pp	6.1%+8.5pp	-2.4%+15.7pp	-18.1%-8.7pp	-9.4%-11.5pp	2.0%-9.0pp	11.0%+6.0pp	5.0%	N/A
Current Ratio	2.44-0.2x	2.69-0.7x	3.34+0.9x	2.46+0.2x	2.25-0.4x	2.68+0.5x	2.21+0.2x	2.05-0.9x	2.91+0.3x	2.62+0.2x	2.400.0x	2.42	N/A
FCF Margin	7.6%+0.5pp	7.1%+0.9pp	6.2%+3.4pp	2.8%+0.1pp	2.7%-2.1pp	4.8%+5.2pp	-0.4%-1.0pp	0.6%+2.7pp	-2.2%-17.0pp	14.8%+8.0pp	6.8%+3.0pp	3.7%-3.6pp	7.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	32.5%+2.5pp	30.0%-1.6pp	31.6%+1.8pp	29.7%-1.2pp	30.9%-2.2pp	33.1%-0.9pp	34.1%-1.8pp	35.8%
Operating Margin	8.0%+0.5pp	7.5%-4.5pp	11.9%+2.5pp	9.4%+2.2pp	7.3%-4.2pp	11.5%-1.3pp	12.7%-1.5pp	14.3%
Net Margin	1.4%0.0pp	1.4%-3.4pp	4.8%+3.1pp	1.7%+1.3pp	0.4%-3.5pp	3.9%-1.5pp	5.4%+4.4pp	1.0%
Return on Assets	0.5%0.0pp	0.5%-1.3pp	1.8%+1.3pp	0.6%+0.4pp	0.1%-1.2pp	1.4%-0.6pp	1.9%+1.6pp	0.4%
Current Ratio	2.09-0.5x	2.54+0.1x	2.44-0.1x	2.560.0x	2.59-0.4x	2.95+0.3x	2.690.0x	2.65
FCF Margin	17.4%+10.5pp	6.9%-16.1pp	23.0%+19.1pp	3.9%+3.4pp	0.4%+0.2pp	0.2%-17.0pp	17.3%+8.4pp	8.9%

Not reported in any period shown, so not listed: Return on Equity, Debt-to-Equity.

Note: Shareholder equity is negative (-$17.3M), 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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Where CPI Card Group Inc. Ranks

Frequently Asked Questions

What is CPI Card Group Inc.'s annual revenue?

CPI Card Group Inc. (PMTS) reported $543.5M in total revenue for fiscal year 2025. This represents a 13.1% 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 Inc.'s revenue growing?

CPI Card Group Inc. (PMTS) revenue grew by 13.1% year-over-year, from $480.6M to $543.5M in fiscal year 2025.

Is CPI Card Group Inc. profitable?

Yes, CPI Card Group Inc. (PMTS) reported a net income of $14.9M in fiscal year 2025, with a net profit margin of 2.8%.

What is CPI Card Group Inc.'s EBITDA?

CPI Card Group Inc. (PMTS) had EBITDA of $77.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does CPI Card Group Inc. have?

As of fiscal year 2025, CPI Card Group Inc. (PMTS) had $21.7M in cash and equivalents against $286.7M in long-term debt.

What is CPI Card Group Inc.'s gross margin?

CPI Card Group Inc. (PMTS) had a gross margin of 31.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is CPI Card Group Inc.'s operating margin?

CPI Card Group Inc. (PMTS) had an operating margin of 10.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is CPI Card Group Inc.'s net profit margin?

CPI Card Group Inc. (PMTS) had a net profit margin of 2.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is CPI Card Group Inc.'s free cash flow?

CPI Card Group Inc. (PMTS) generated $41.3M in free cash flow during fiscal year 2025. This represents a 21.4% 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 Inc.'s operating cash flow?

CPI Card Group Inc. (PMTS) generated $59.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are CPI Card Group Inc.'s total assets?

CPI Card Group Inc. (PMTS) had $403.2M in total assets as of fiscal year 2025, including both current and long-term assets.

What are CPI Card Group Inc.'s capital expenditures?

CPI Card Group Inc. (PMTS) invested $18.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does CPI Card Group Inc. have outstanding?

CPI Card Group Inc. (PMTS) had 11M shares outstanding as of fiscal year 2025.

What is CPI Card Group Inc.'s current ratio?

CPI Card Group Inc. (PMTS) had a current ratio of 2.44 as of fiscal year 2025, which is generally considered healthy.

What is CPI Card Group Inc.'s return on assets (ROA)?

CPI Card Group Inc. (PMTS) had a return on assets of 3.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Why is CPI Card Group Inc.'s debt-to-equity ratio negative or not reported?

CPI Card Group Inc. (PMTS) has negative shareholder equity of -$17.3M as of fiscal year 2025, so no debt-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. 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 Inc.'s Altman Z-Score?

CPI Card Group Inc. (PMTS) has an Altman Z-Score of 2.91, 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 Inc.'s Piotroski F-Score?

CPI Card Group Inc. (PMTS) has a Piotroski F-Score of 4 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CPI Card Group Inc.'s earnings high quality?

CPI Card Group Inc. (PMTS) has an earnings quality ratio of 3.98x, 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 Inc.?

CPI Card Group Inc. (PMTS) scores 62 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.