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. (PMTS) Financials

PMTS

Trailing 12 months to June 30, 2026

Revenue $587.3M +16.9% YoY

Net Income $13.8M +3.0% YoY

EPS (Diluted) $1.14 +2.7% YoY

Free Cash Flow $76.6M +128.4% YoY

Market Cap $286.2M as of Oct 6, 2026

Price / Sales 0.5x on $587.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 20.8x on $13.8M net income, trailing 12 months to June 30, 2026

Price / Book n/m negative shareholder equity, so no book multiple, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PMTS SEC filings page.

CPI Card Group Inc. (PMTS) reported $587.3M in revenue over the twelve months to Jun 30, 2026, up 16.9% from the prior twelve months. 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 2026-10-03

CPI is growing revenue, but 2025 growth came with thinner margins while cash generation improved and equity remained negative.

FY2025 revenue increased 13.1%, but gross margin compressed to 31.3%, so added volume did not translate proportionally into gross profit. Operating margin also fell to 10.1% while free-cash-flow margin reached 7.6%, separating weaker accounting profitability from stronger cash generation.

Negative equity narrowed to $17.3M in FY2025 from $35.6M in FY2024, but liabilities still exceed assets; this is balance-sheet repair without a return to positive book capital. A current ratio of 2.4x indicates short-term assets cover near-term obligations even as the broader capital structure remains stretched.

Operating cash flow increased 37.3% while net income declined 23.4%, indicating FY2025 earnings converted into more cash than the income statement alone suggests. After $18.2M of capital spending, free cash flow was $41.3M, so routine reinvestment did not absorb the year's operating cash.

Financial Health Signals

Financial Health Score 61/100

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 74/100, 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 69/100.

Cash Flow

CPI Card Group Inc. has a free cash flow margin of 7.6%, earning a moderate score of 55/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Altman Z-Score Grey Zone

2.86

CPI Card Group Inc. scores 2.86, 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

$149.2M

YoY+15.0%

QoQ+1.4%

5Y CAGR+9.9%

10Y CAGR+7.3%

CPI Card Group Inc. generated $149.2M in revenue in Q2 2026. This represents an increase of 15.0% from the same quarter a year earlier. Against the prior quarter it is up 1.4%.

EBITDA

$18.2M

YoY+21.9%

QoQ+4.7%

5Y CAGR-1.5%

CPI Card Group Inc.'s EBITDA was $18.2M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 21.9% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.

Net Income

$2.0M

YoY+293.8%

QoQ-0.8%

5Y CAGR-20.0%

CPI Card Group Inc. reported $2.0M in net income in Q2 2026. This represents an increase of 293.8% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

EPS (Diluted)

$0.17

YoY+325.0%

QoQ0.0%

5Y CAGR-20.3%

CPI Card Group Inc. earned $0.17 per diluted share (EPS) in Q2 2026. This represents an increase of 325.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Cash & Balance Sheet

Free Cash Flow

$25.9M

YoY+4762.3%

QoQ+155.7%

5Y CAGR+3.9%

10Y CAGR+7.0%

CPI Card Group Inc. generated $25.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 4762.3% from the same quarter a year earlier. Against the prior quarter it is up 155.7%.

Cash & Debt

$21.4M

YoY+24.8%

QoQ+10.7%

5Y CAGR-7.0%

10Y CAGR-3.8%

CPI Card Group Inc. held $21.4M in cash against $262.1M in long-term debt as of Q2 2026.

Shares Outstanding

12M

YoY+1.7%

QoQ+0.5%

5Y CAGR+0.5%

10Y CAGR-14.5%

CPI Card Group Inc. had 12M shares outstanding in Q2 2026. This represents an increase of 1.7% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Gross Margin

32.5%

YoY+1.6pp

QoQ+2.5pp

5Y change-7.3pp

10Y change+1.7pp

CPI Card Group Inc.'s gross margin was 32.5% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.5 percentage points.

Operating Margin

8.0%

YoY+0.7pp

QoQ+0.5pp

5Y change-9.0pp

CPI Card Group Inc.'s operating margin was 8.0% in Q2 2026, reflecting core business profitability. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Net Margin

1.4%

YoY+1.0pp

QoQ0.0pp

5Y change-5.3pp

CPI Card Group Inc.'s net profit margin was 1.4% in Q2 2026, showing the share of revenue converted to profit. This is up 1.0 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Return on Equity

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$2.6M

YoY-32.2%

QoQ-26.4%

5Y CAGR+17.0%

10Y CAGR-2.2%

CPI Card Group Inc. invested $2.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 32.2% from the same quarter a year earlier. Against the prior quarter it is down 26.4%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

PMTS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PMTS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
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
EBITDA	N/A	$77.3M-2.4%	$79.2M+2.2%	$77.5M-17.5%	$94.0M+26.1%	$74.6M+35.0%	$55.2M+31.6%	$42.0M+82.5%	$23.0M+1066.9%	-$2.4M-105.2%	$45.9M-45.1%	$83.7M+75.4%	$47.7M+26.4%	$37.7M
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 (Basic)	N/A	$1.32-24.6%	$1.75-16.7%	$2.10-35.2%	$3.24+128.2%	$1.42-1.4%	$1.44+413.0%	-$0.46	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	$1.14	$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
Diluted Shares (Avg)	N/A	12M+0.4%	12M-0.3%	12M+1.4%	12M-0.1%	12M+4.7%	11M+0.3%	11M	N/A	11M	11M+25.4%	9M-78.2%	41M+0.3%	41M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$149.2M+15.0%	$147.1M+19.8%	$153.1M+22.3%	$138.0M+10.6%	$129.8M+9.2%	$122.8M+9.7%	$125.1M+21.6%	$124.8M+17.8%
Cost of Revenue	$100.7M+12.3%	$103.0M+25.5%	$104.8M+27.0%	$97.0M+21.1%	$89.6M+17.3%	$82.1M+16.5%	$82.5M+22.3%	$80.1M+14.8%
Gross Profit	$48.5M+20.9%	$44.1M+8.4%	$48.3M+13.3%	$41.0M-8.3%	$40.1M-5.4%	$40.7M-2.0%	$42.6M+20.3%	$44.7M+23.6%
SG&A Expenses	N/A	N/A	N/A	$26.5M+3.1%	$29.3M+11.7%	$25.5M-2.1%	$25.5M+8.2%	$25.7M+17.9%
Operating Income	$11.9M+25.9%	$11.0M-22.1%	$18.3M+14.8%	$13.0M-26.9%	$9.4M-36.8%	$14.1M-0.3%	$15.9M+51.2%	$17.8M+37.3%
EBITDA	$18.2M+21.9%	$17.4M-5.2%	$24.9M+23.5%	$19.1M-12.8%	$14.9M-21.2%	$18.4M+1.0%	$20.1M+38.0%	$22.0M+29.4%
Interest Expense	$7.4M-8.2%	N/A	N/A	N/A	$8.1M	N/A	N/A	N/A
Income Tax	$2.1M+159.7%	$1.2M-30.4%	$2.7M+84.8%	$1.4M+402.7%	$823K-64.2%	$1.7M-24.4%	$1.5M+27.7%	-$474K-120.3%
Net Income	$2.0M+293.8%	$2.1M-56.9%	$7.3M+8.5%	$2.3M+78.5%	$518K-91.4%	$4.8M-12.5%	$6.8M+147.9%	$1.3M-66.5%
EPS (Basic)	$0.18+260.0%	$0.18-57.1%	$0.65+6.6%	$0.20+66.7%	$0.05-90.7%	$0.42-12.5%	$0.61+154.2%	$0.12-64.7%
EPS (Diluted)	$0.17+325.0%	$0.17-57.5%	$0.61+8.9%	$0.19+72.7%	$0.04-92.2%	$0.40-13.0%	$0.56+154.5%	$0.11-66.7%
Diluted Shares (Avg)	12M+0.9%	12M-1.3%	N/A	12M-0.2%	12M+1.3%	12M+2.0%	N/A	12M+0.4%

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

PMTS Balance Sheet

PMTS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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
Non-Current Liabilities	$336.4M+8.6%	$309.7M+4.6%	$296.2M-4.7%	$310.7M-4.2%	$324.4M-6.6%	$347.3M+6.6%	$325.6M+3.2%	$315.5M-1.0%	$318.5M-1.8%	$324.4M-0.2%	$324.9M+29.4%	$251.1M	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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$390.4M-2.3%	$386.5M+9.8%	$403.2M+15.3%	$407.1M+18.9%	$399.8M+24.4%	$351.9M+10.0%	$349.7M+19.1%	$342.3M+17.2%
Current Assets	$188.2M-7.9%	$188.9M-1.9%	$204.9M+0.9%	$211.3M+6.3%	$204.3M+13.7%	$192.6M+6.5%	$203.0M+22.8%	$198.8M+23.6%
Cash & Equivalents	$21.4M+24.8%	$19.3M-38.8%	$21.7M-35.3%	$16.0M+8.9%	$17.1M+129.0%	$31.5M+83.9%	$33.5M+170.2%	$14.7M+39.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	$62.9M-25.0%	$65.5M-13.0%	$72.2M-0.6%	$85.1M-7.8%	$83.9M-2.4%	$75.3M-9.8%	$72.7M+2.9%	$92.3M+24.6%
Accounts Receivable	$88.4M+1.0%	$88.7M+17.5%	$95.4M+11.6%	$90.8M+14.1%	$87.5M+14.5%	$75.5M+10.1%	$85.5M+16.0%	$79.6M+17.8%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$52.7M+9.4%	$48.8M+3.4%	$48.8M+3.4%	$50.6M+7.4%	$48.2M+2.3%	$47.1M0.0%	$47.1M0.0%	$47.1M0.0%
Total Liabilities	$401.9M-6.3%	$400.5M+4.9%	$420.5M+9.1%	$432.7M+12.4%	$428.8M+17.2%	$381.6M+3.6%	$385.3M+11.5%	$385.1M+10.4%
Current Liabilities	$90.1M+14.1%	$74.3M+14.0%	$84.1M+11.3%	$82.5M+9.8%	$79.0M+14.6%	$65.2M-11.9%	$75.6M+52.9%	$75.1M+64.6%
Non-Current Liabilities	$311.7M-10.9%	$326.1M+3.1%	$336.4M+8.6%	$350.3M+13.0%	$349.8M+17.8%	$316.4M+7.5%	$309.7M+4.6%	$310.0M+2.3%
Long-Term Debt	$262.1M-15.7%	$276.9M-1.3%	$286.7M+2.2%	$308.4M+10.1%	$310.9M+15.3%	$280.7M+5.8%	$280.4M+5.8%	$280.2M+2.7%
Total Equity	-$11.5M+60.5%	-$14.0M+52.9%	-$17.3M+51.3%	-$25.7M+40.0%	-$29.0M+34.9%	-$29.7M+38.7%	-$35.6M+31.4%	-$42.8M+24.6%
Retained Earnings	$88.8M+18.3%	$86.8M+16.4%	$84.7M+21.4%	$77.4M+22.8%	$75.1M+21.6%	$74.6M+33.8%	$69.8M+38.8%	$63.0M+32.6%

PMTS Cash Flow Statement

PMTS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
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
Depreciation & Amortization	N/A	$22.5M+36.8%	$16.4M+3.1%	$15.9M+7.0%	$14.9M-1.4%	$15.1M-10.3%	$16.8M-2.5%	$17.3M-6.3%	$18.4M+8.8%	$16.9M0.0%	$16.9M+6.0%	$16.0M+20.5%	$13.3M+14.3%	$11.6M
Stock-Based Compensation	N/A	$7.0M-18.5%	$8.5M+13.8%	$7.5M+115.8%	$3.5M+178.3%	$1.3M+819.1%	$136K-45.6%	$250K-74.0%	$961K-51.7%	$2.0M-44.4%	$3.6M-62.8%	$9.6M+112.5%	$4.5M+643.3%	$610K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$28.5M+556.1%	$13.6M+144.0%	$39.6M+48.5%	$10.0M-20.5%	$4.3M+191.3%	$5.6M-36.9%	$26.7M+126.4%	$12.5M+5.0%
Depreciation & Amortization	$6.3M+15.0%	$6.4M+50.8%	$6.6M+56.7%	$6.1M+47.2%	$5.5M+36.2%	$4.2M+5.7%	$4.2M+3.5%	$4.2M+3.7%
Stock-Based Compensation	N/A	$1.4M-16.0%	N/A	N/A	N/A	$1.7M-45.4%	N/A	N/A
Capital Expenditures	$2.6M-32.2%	$3.5M-33.7%	$4.4M-13.0%	$4.7M+220.6%	$3.8M+207.8%	$5.3M+252.0%	$5.1M+1437.4%	$1.5M+180.9%
Free Cash Flow	$25.9M+4762.3%	$10.1M+3370.9%	$35.2M+62.9%	$5.3M-52.1%	$533K+108.9%	$292K-96.0%	$21.6M+88.7%	$11.1M-2.9%
Investing Cash Flow	-$8.6M+81.4%	-$3.5M+33.1%	-$9.0M-78.4%	-$4.7M-220.8%	-$46.3M-3636.1%	-$5.3M-248.7%	-$5.0M-1426.7%	-$1.5M-353.8%
Financing Cash Flow	-$17.8M-164.8%	-$12.5M-430.0%	-$24.9M-807.0%	-$6.5M-65.3%	$27.5M+849.7%	-$2.4M+10.0%	-$2.7M+71.1%	-$3.9M+70.3%
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	$2.2M

Not reported in any period shown, so not listed: Dividends Paid.

PMTS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PMTS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
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
Asset Turnover	1.350.0x	1.37-0.1x	1.51-0.1x	1.60+0.2x	1.40+0.2x	1.17-0.1x	1.31+0.1x	1.23+0.3x	0.96-0.2x	1.17-0.2x	1.33+0.4x	0.98	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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	32.5%+1.6pp	30.0%-3.2pp	31.6%-2.5pp	29.7%-6.1pp	30.9%-4.8pp	33.1%-3.9pp	34.1%-0.4pp	35.8%+1.7pp
Operating Margin	8.0%+0.7pp	7.5%-4.0pp	11.9%-0.8pp	9.4%-4.8pp	7.3%-5.3pp	11.5%-1.2pp	12.7%+2.5pp	14.3%+2.0pp
Net Margin	1.4%+1.0pp	1.4%-2.5pp	4.8%-0.6pp	1.7%+0.6pp	0.4%-4.7pp	3.9%-1.0pp	5.4%+2.8pp	1.0%-2.6pp
Return on Assets	0.5%+0.4pp	0.5%-0.8pp	1.8%-0.1pp	0.6%+0.2pp	0.1%-1.7pp	1.4%-0.4pp	1.9%+1.0pp	0.4%-0.9pp
Current Ratio	2.09-0.5x	2.54-0.4x	2.44-0.2x	2.56-0.1x	2.590.0x	2.95+0.5x	2.69-0.7x	2.65-0.9x
Asset Turnover	0.38+0.1x	0.380.0x	0.380.0x	0.340.0x	0.320.0x	0.350.0x	0.360.0x	0.360.0x
FCF Margin	17.4%+17.0pp	6.9%+6.7pp	23.0%+5.7pp	3.9%-5.0pp	0.4%+5.5pp	0.2%-6.3pp	17.3%+6.1pp	8.9%-1.9pp

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.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CPI Card Group Inc. PMTS	FY2025	$543.5M	$14.9M	2.8%	$286.2M	61/100
Consumer Portfolio Services CPSS	FY2025	$434.5M	$19.3M	4.5%	$199.1M	29/100
Medallion Financial Corp MFIN	FY2025	$254.9M	$43.0M	16.9%	$273.5M	22/100
Finance of America Companies Inc. FOA	FY2025	$497.4M	$45.2M	9.1%	$124.4M	24/100
Oportun Financial Corporation OPRT	FY2025	$405.8M	$25.2M	6.2%	$384.0M	15/100
Open Lending Corporation LPRO	FY2025	$93.2M	-$4.2M	-4.5%	$371.5M	45/100

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.

What is CPI Card Group Inc.'s P/E ratio?

CPI Card Group Inc. (PMTS) trades at 20.8x earnings, its market capitalization divided by net income of $13.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $286.2M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CPI Card Group Inc.'s price-to-sales ratio?

CPI Card Group Inc. (PMTS) trades at 0.5x sales, its market capitalization divided by revenue of $587.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $286.2M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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 2.86, 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 61 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.