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CPI Card Group (PMTS) Financials

CPI Card Group logo
$19.24 -0.30 (-1.54%)
Closing price 07/13/2026 04:00 PM Eastern
Extended Trading
$19.38 +0.14 (+0.72%)
As of 04:01 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for CPI Card Group

Annual Income Statements for CPI Card Group

This table shows CPI Card Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -1.69 5.40 123 -37 -3.79 16 16 37 24 20 15
Consolidated Net Income / (Loss)		 31 5.40 -22 -37 -5.12 16 16 37 24 20 15
Net Income / (Loss) Continuing Operations		 31 5.40 -23 -15 -4.99 16 16 37 24 20 15
Total Pre-Tax Income 		49 8.54 -40 -19 -1.52 13 24 49 34 25 22
Total Operating Income		 68 29 -19 4.59 25 38 59 79 62 63 55
Total Gross Profit		 136 102 213 79 91 110 141 176 155 171 170
Total Revenue		 374 309 224 256 278 312 375 476 445 481 544
Operating Revenue		 374 309 224 256 278 312 375 476 445 481 544
Total Cost of Revenue		 238 207 156 177 187 202 234 300 289 309 373
Operating Cost of Revenue		 238 207 11 177 187 202 234 300 289 309 373
Total Operating Expenses		 68 73 88 74 66 72 82 97 94 108 115
Selling, General & Admin Expense		 61 64 62 68 66 66 76 91 88 108 115
Total Other Income / (Expense), net		 -19 -20 -20 -24 -26 -26 -36 -30 -27 -38 -33
Interest Expense		 19 20 21 23 25 0.09 5.05 30 27 37 33
Other Income / (Expense), net		 0.42 -0.40 0.53 -0.30 -1.34 -0.02 0.01 -0.37 0.03 -0.69 -0.35
Income Tax Expense		 18 3.14 -17 -4.34 3.47 -3.31 7.88 13 10 5.51 6.66
Other Gains / (Losses), net		 - - - - - - - - - 0.00 -0.13
Basic Earnings per Share		 ($0.19) $0.48 ($1.98) ($3.36) ($0.46) $1.44 $1.42 $3.24 $2.10 $1.75 $1.32
Weighted Average Basic Shares Outstanding		 42.10M 55.36M 11.12M 11.15M 11.20M 11.23M 11.24M 11.29M 11.43M 11.15M 11.33M
Diluted Earnings per Share		 ($0.19) $0.48 ($1.98) ($3.36) ($0.46) $1.44 $1.36 $3.11 $2.01 $1.64 $1.25
Weighted Average Diluted Shares Outstanding		 42.10M 55.36M 11.12M 11.15M 11.20M 11.23M 11.76M 11.75M 11.92M 11.88M 11.92M
Weighted Average Basic & Diluted Shares Outstanding		 42.10M 55.36M 11.12M 11.15M 11.20M 11.23M 11.26M 11.39M 11.40M 11.24M 11.46M

Quarterly Income Statements for CPI Card Group

This table shows CPI Card Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 3.86 2.73 5.46 6.00 1.29 6.77 4.77 0.52 2.31 7.35 2.06
Consolidated Net Income / (Loss)		 3.86 2.73 5.46 6.00 1.29 6.77 4.77 0.52 2.31 7.35 2.06
Net Income / (Loss) Continuing Operations		 3.86 2.73 5.46 6.00 1.29 6.77 4.77 0.52 2.31 7.35 2.06
Total Pre-Tax Income 		6.19 3.89 7.66 8.30 0.82 8.25 6.44 1.34 3.74 10 3.37
Total Operating Income		 13 11 14 15 18 16 14 9.42 13 18 11
Total Gross Profit		 36 35 42 42 45 43 41 40 41 48 44
Total Revenue		 106 103 112 119 125 125 123 130 138 153 147
Operating Revenue		 106 103 112 119 125 125 123 130 138 153 147
Total Cost of Revenue		 70 67 70 76 80 82 82 90 97 105 103
Operating Cost of Revenue		 70 67 70 76 80 82 82 90 97 105 103
Total Operating Expenses		 23 25 27 27 27 27 27 31 28 30 33
Selling, General & Admin Expense		 22 24 26 26 26 30 27 29 26 34 33
Total Other Income / (Expense), net		 -6.77 -6.65 -6.49 -6.61 -17 -7.69 -7.67 -8.08 -9.28 -8.08 -7.62
Interest Expense		 6.74 6.90 6.43 6.53 16 7.67 7.69 8.07 9.03 7.97 7.66
Other Income / (Expense), net		 -0.03 0.25 -0.07 -0.08 -0.53 -0.01 0.02 -0.01 -0.24 -0.11 0.03
Income Tax Expense		 2.34 1.16 2.20 2.30 -0.47 1.48 1.66 0.82 1.44 2.74 1.16
Other Gains / (Losses), net		 - - - - - - 0.00 - - - -0.16
Basic Earnings per Share		 $0.34 $0.24 $0.48 $0.54 $0.12 $0.61 $0.42 $0.05 $0.20 $0.65 $0.18
Weighted Average Basic Shares Outstanding		 11.43M 11.43M 11.27M 11.05M 11.11M 11.15M 11.25M 11.30M 11.35M 11.33M 11.46M
Diluted Earnings per Share		 $0.33 $0.22 $0.46 $0.51 $0.11 $0.56 $0.40 $0.04 $0.19 $0.62 $0.17
Weighted Average Diluted Shares Outstanding		 11.83M 11.92M 11.77M 11.78M 11.87M 11.88M 12.01M 11.93M 11.85M 11.92M 11.86M
Weighted Average Basic & Diluted Shares Outstanding		 11.46M 11.40M 11.12M 11.08M 11.16M 11.24M 11.28M 11.34M 11.39M 11.46M 11.48M

Annual Cash Flow Statements for CPI Card Group

This table details how cash moves in and out of CPI Card Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 0.67 23 -14 -2.91 -1.61 39 -37 -9.65 1.38 21 -12
Net Cash From Operating Activities		 44 60 2.43 3.52 2.84 22 20 31 34 43 60
Net Cash From Continuing Operating Activities		 44 60 3.45 7.07 2.97 22 20 31 34 43 60
Net Income / (Loss) Continuing Operations		 31 5.40 -23 -15 -5.12 16 16 37 24 20 15
Consolidated Net Income / (Loss)		 31 5.40 -22 -37 -5.12 16 16 37 24 20 15
Depreciation Expense		 16 17 17 18 17 17 15 11 12 13 18
Amortization Expense		 5.65 1.92 1.95 1.95 1.96 3.45 2.37 5.80 5.72 5.17 5.66
Non-Cash Adjustments To Reconcile Net Income		 11 5.67 21 0.96 1.70 0.23 6.30 3.95 7.75 17 7.85
Changes in Operating Assets and Liabilities, net		 -20 30 -13 0.55 -13 -15 -19 -26 -15 -11 13
Net Cash From Investing Activities		 -14 -14 -8.79 -5.85 -2.57 -7.09 -9.92 -18 -6.22 -9.22 -65
Net Cash From Continuing Investing Activities		 -14 -14 -7.26 -5.63 -2.57 -7.09 -9.92 -18 -6.22 -9.22 -65
Purchase of Property, Plant & Equipment		 -19 -14 -7.26 -5.63 -4.18 -7.09 -10 -18 -6.41 -9.26 -18
Acquisitions		 - - - - - - - - - 0.00 -47
Other Investing Activities, net		 - - - - 1.60 0.00 0.16 0.10 0.18 0.04 0.06
Net Cash From Financing Activities		 -29 -22 -7.88 -0.52 -1.93 24 -47 -23 -26 -13 -6.22
Net Cash From Continuing Financing Activities		 -29 -22 -7.88 -0.52 -1.93 24 -47 -23 -26 -13 -6.22
Repayment of Debt		 -311 -9.00 - - -12 -2.51 -370 -57 -17 -280 -63
Repurchase of Common Equity		 -58 -6.01 - - - - - 0.00 -0.25 -8.68 0.00
Issuance of Debt		 435 - - - 12 29 325 35 -5.00 285 67
Other Financing Activities, net		 - 0.61 -0.34 -0.52 -1.93 -2.62 -2.17 -1.29 -4.24 -9.03 -10
Cash Interest Paid		 12 15 18 21 23 23 22 28 26 26 32

Quarterly Cash Flow Statements for CPI Card Group

This table details how cash moves in and out of CPI Card Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -0.70 1.94 4.73 -9.67 7.17 19 -2.02 -14 -1.17 5.75 -2.40
Net Cash From Operating Activities		 12 12 8.87 -4.76 13 27 5.59 4.34 9.97 40 14
Net Cash From Continuing Operating Activities		 12 12 8.87 -4.76 13 27 5.59 4.34 9.97 40 14
Net Income / (Loss) Continuing Operations		 3.86 2.73 5.46 6.00 1.29 6.77 4.77 0.52 2.31 7.35 2.06
Consolidated Net Income / (Loss)		 3.86 2.73 5.46 6.00 1.29 6.77 4.77 0.52 2.31 7.35 2.06
Depreciation Expense		 3.04 3.10 3.05 3.14 3.26 3.34 3.39 4.43 4.92 5.38 5.41
Amortization Expense		 1.43 1.42 1.43 1.37 1.18 1.19 1.19 1.42 1.53 1.53 1.32
Non-Cash Adjustments To Reconcile Net Income		 2.63 3.08 3.06 2.09 11 1.61 1.67 1.37 2.39 2.43 1.40
Changes in Operating Assets and Liabilities, net		 1.00 1.45 -4.13 -17 -3.74 14 -5.43 -3.39 -1.16 23 3.46
Net Cash From Investing Activities		 0.57 -0.33 -1.51 -1.24 -1.45 -5.02 -5.25 -46 -4.67 -8.96 -3.51
Net Cash From Continuing Investing Activities		 0.57 -0.33 -1.51 -1.24 -1.45 -5.02 -5.25 -46 -4.67 -8.96 -3.51
Purchase of Property, Plant & Equipment		 0.52 -0.33 -1.51 -1.24 -1.46 -5.06 -5.30 -3.81 -4.67 -4.40 -3.51
Other Investing Activities, net		 0.06 - 0.00 - 0.00 0.04 0.05 - - 0.01 0.00
Net Cash From Financing Activities		 -13 -9.51 -2.63 -3.67 -3.92 -2.74 -2.37 28 -6.48 -25 -13
Net Cash From Continuing Financing Activities		 -13 -9.51 -2.63 -3.67 -3.92 -2.74 -2.37 28 -6.48 -25 -13
Repayment of Debt		 -12 - - - -288 8.00 0.00 - -36 -22 -10
Other Financing Activities, net		 -0.92 -1.26 -1.38 -2.32 -2.58 -2.74 -2.37 -2.49 -2.61 -2.89 -2.54
Cash Interest Paid		 12 0.43 12 0.43 13 1.19 15 0.46 16 1.26 14
Cash Income Taxes Paid		 2.59 0.47 0.02 6.47 1.77 - 0.00 6.38 0.06 - 0.00

Annual Balance Sheets for CPI Card Group

This table presents CPI Card Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 280 264 234 207 213 266 268 297 294 350 403
Total Current Assets		 101 92 102 84 92 153 146 168 165 203 205
Cash & Equivalents		 14 37 23 20 19 58 21 11 12 34 22
Accounts Receivable		 53 31 33 44 43 55 61 81 74 85 95
Inventories, net		 26 19 14 9.83 20 25 58 68 71 73 72
Prepaid Expenses		 4.26 4.60 3.68 5.00 6.35 5.03 5.52 7.55 8.65 11 16
Plant, Property, & Equipment, net		 52 53 44 0.00 0.00 0.00 0.00 57 63 69 108
Total Noncurrent Assets		 127 119 87 123 121 114 122 72 65 78 90
Goodwill		 73 72 47 47 47 47 47 47 47 47 49
Intangible Assets		 54 46 40 35 31 26 22 18 14 10 19
Other Noncurrent Operating Assets		 0.11 0.24 0.25 1.03 1.23 0.86 6.18 6.78 3.98 20 23
Total Liabilities & Shareholders' Equity		 280 264 234 207 213 266 268 297 294 350 403
Total Liabilities		 367 360 354 357 367 404 389 379 346 385 421
Total Current Liabilities		 42 35 35 41 42 57 65 68 49 76 84
Accounts Payable		 18 11 13 17 16 19 26 24 13 16 28
Accrued Expenses		 11 17 13 24 25 28 37 40 36 58 52
Current Deferred Revenue		 3.87 6.73 3.34 0.91 0.47 1.87 1.18 3.57 0.84 1.49 3.92
Total Noncurrent Liabilities		 325 324 319 316 326 347 324 311 296 310 336
Long-Term Debt		 300 302 304 306 308 329 304 286 265 280 287
Noncurrent Deferred & Payable Income Tax Liabilities		 24 21 12 5.75 6.37 7.41 5.25 6.81 7.14 3.32 2.25
Other Noncurrent Operating Liabilities		 0.87 1.23 2.50 3.94 11 11 16 18 24 26 48
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 -87 -95 -120 -150 -154 -138 -121 -82 -52 -36 -17
Total Preferred & Common Equity		 -87 -95 -120 -150 -154 -138 -121 -82 -52 -36 -17
Preferred Stock		 - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 -87 -95 -120 -150 -154 -138 -121 -82 -52 -36 -17
Common Stock		 -119 -115 -113 -112 -112 -112 -111 -108 -102 -105 -102
Retained Earnings		 37 26 -1.37 -36 -42 -26 -10 26 50 70 85

Quarterly Balance Sheets for CPI Card Group

This table presents CPI Card Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 305 298 300 292 320 321 342 352 400 407 386
Total Current Assets		 177 168 170 161 181 180 199 193 204 211 189
Cash & Equivalents		 22 14 11 10 17 7.48 15 32 17 16 19
Accounts Receivable		 76 76 75 68 69 76 80 75 87 91 89
Inventories, net		 72 70 75 74 83 86 92 75 84 85 66
Prepaid Expenses		 5.08 8.23 8.35 8.75 12 9.93 12 10 16 19 15
Plant, Property, & Equipment, net		 0.00 60 59 63 61 61 64 80 105 106 107
Total Noncurrent Assets		 128 70 71 69 78 81 79 79 91 89 91
Goodwill		 47 47 47 47 47 47 47 47 48 51 49
Intangible Assets		 19 17 16 15 13 12 11 9.63 21 20 18
Other Noncurrent Operating Assets		 5.01 5.49 7.87 6.39 18 22 21 22 22 19 25
Total Liabilities & Shareholders' Equity		 305 298 300 292 320 321 342 352 400 407 386
Total Liabilities		 399 369 363 349 368 366 385 382 429 433 400
Total Current Liabilities		 64 57 54 46 74 69 75 65 79 82 74
Accounts Payable		 26 26 23 17 24 20 22 22 25 29 22
Accrued Expenses		 34 29 31 28 49 47 52 42 53 49 48
Current Deferred Revenue		 3.92 2.12 0.73 0.79 1.17 1.32 1.47 1.55 1.54 3.60 3.60
Total Noncurrent Liabilities		 335 311 309 303 294 297 310 316 350 350 326
Long-Term Debt		 310 286 284 273 265 270 280 281 311 308 277
Noncurrent Deferred & Payable Income Tax Liabilities		 6.45 6.54 7.23 7.92 6.74 4.96 5.06 3.14 0.00 3.22 2.57
Other Noncurrent Operating Liabilities		 19 19 18 23 22 22 25 33 39 39 47
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 -94 -71 -63 -57 -48 -45 -43 -30 -29 -26 -14
Total Preferred & Common Equity		 -94 -71 -63 -57 -48 -45 -43 -30 -29 -26 -14
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 -94 -71 -63 -57 -48 -45 -43 -30 -29 -26 -14
Common Stock		 -108 -108 -107 -104 -104 -106 -106 -104 -104 -103 -101
Retained Earnings		 14 37 44 48 56 62 63 75 75 77 87

Annual Metrics And Ratios for CPI Card Group

This table displays calculated financial ratios and metrics derived from CPI Card Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 56,476,116.00 55,293,251.00 55,673,755.00 11,160,377.00 11,224,191.00 11,230,482.00 - - - - 11,387,538.00
DEI Adjusted Shares Outstanding		 11,295,223.00 11,058,650.00 11,134,751.00 11,160,377.00 11,224,191.00 11,230,482.00 - - - - 11,387,538.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.15 0.49 11.03 -3.36 -0.34 1.44 - - - - 1.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 43.33% -17.48% -27.52% 14.33% 8.70% 12.27% 20.16% 26.83% -6.56% 8.11% 13.09%
EBITDA Growth		 83.09% -47.17% -99.79% 25,050.00% 72.77% 37.74% 31.18% 24.22% -16.92% 0.82% -2.24%
EBIT Growth		 98.96% -58.05% -165.67% 122.87% 444.42% 64.19% 55.00% 32.42% -21.77% 0.78% -12.25%
NOPAT Growth		 105.63% -57.50% -173.74% 123.77% 438.60% 178.87% -17.51% 47.85% -27.14% 14.26% -22.31%
Net Income Growth		 132.02% -82.51% -507.67% -70.20% 86.34% 415.20% -1.17% 129.22% -34.36% -18.61% -23.42%
EPS Growth		 75.00% 352.63% -512.50% -69.70% 86.31% 413.04% -5.56% 128.68% -35.37% -18.41% -23.78%
Operating Cash Flow Growth		 64.95% 36.51% -95.95% 45.04% -19.29% 674.87% -8.11% 54.91% 8.63% 27.24% 37.38%
Free Cash Flow Firm Growth		 117.59% 85.86% -82.45% 32.68% 38.00% 127.50% -54.88% 49.69% 22.15% 10.86% -95.69%
Invested Capital Growth		 6.22% -18.72% -13.90% -6.95% -0.85% 4.65% 14.78% 18.83% 4.28% 5.28% 17.23%
Revenue Q/Q Growth		 0.00% -7.82% 0.00% 0.00% -18.42% 33.54% 2.48% 7.51% -5.03% 0.00% 5.42%
EBITDA Q/Q Growth		 0.00% -24.44% -99.53% 654.19% 9.67% 39.08% -12.87% 17.07% -13.37% 0.00% 6.30%
EBIT Q/Q Growth		 0.00% -27.85% -1,181.28% 125.41% 18.89% 71.05% -14.40% 20.80% -16.77% 0.00% 4.32%
NOPAT Q/Q Growth		 0.00% -15.63% -1,505.68% 127.63% 17.58% 6.54% -20.68% 28.38% -20.60% 0.00% -0.26%
Net Income Q/Q Growth		 0.00% -24.16% -92.82% 16.24% 46.35% 172.59% -29.32% 47.72% -28.89% 0.00% 4.02%
EPS Q/Q Growth		 0.00% 269.23% 0.00% 0.00% -114.11% 141.62% -30.26% 48.10% -29.72% 0.00% 5.04%
Operating Cash Flow Q/Q Growth		 -36.12% 52.70% -81.69% -23.43% -46.02% 37.30% -23.23% 79.81% -18.74% 0.00% 27.77%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 9.64% -36.90% -16.25% -12.74% -37.57% 149.41% -19.17% 0.00% 127.78%
Invested Capital Q/Q Growth		 0.00% -11.25% -20.15% -9.47% -5.64% 0.74% 1.29% -0.99% -2.35% 0.00% -7.19%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 36.31% 33.01% 95.22% 30.72% 32.75% 35.33% 37.70% 36.95% 34.98% 35.63% 31.29%
EBITDA Margin		 24.00% 15.37% 0.04% 9.63% 15.31% 18.79% 20.51% 20.09% 17.86% 16.66% 14.40%
Operating Margin		 18.10% 9.39% -8.63% 1.79% 8.89% 12.30% 15.85% 16.63% 13.85% 13.07% 10.09%
EBIT Margin		 18.21% 9.26% -8.39% 1.68% 8.41% 12.29% 15.86% 16.56% 13.86% 12.92% 10.03%
Profit (Net Income) Margin		 8.25% 1.75% -9.84% -14.64% -1.84% 5.17% 4.25% 7.68% 5.40% 4.06% 2.75%
Tax Burden Percent		 62.85% 63.21% 55.55% 195.75% 336.87% 125.18% 66.92% 74.35% 69.60% 78.00% 68.77%
Interest Burden Percent		 72.07% 29.88% 211.08% -445.80% -6.50% 33.58% 40.05% 62.40% 55.93% 40.30% 39.90%
Effective Tax Rate		 36.34% 36.79% 0.00% 0.00% 0.00% -25.65% 33.08% 25.65% 30.40% 22.00% 30.62%
Return on Invested Capital (ROIC)		 21.27% 9.68% -8.56% 2.28% 12.78% 34.97% 26.27% 33.21% 21.81% 23.78% 16.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.89% 5.07% -11.76% -12.48% 4.98% 23.67% 17.78% 25.21% 14.65% 11.99% 7.56%
Return on Net Nonoperating Assets (RNNOA)		 -144.59% -15.62% 29.05% 25.56% -9.41% -46.01% -38.57% -69.19% -57.61% -68.37% -73.05%
Return on Equity (ROE)		 -123.32% -5.94% 20.49% 27.84% 3.37% -11.03% -12.31% -35.98% -35.80% -44.59% -56.46%
Cash Return on Invested Capital (CROIC)		 15.24% 30.34% 6.38% 9.48% 13.63% 30.43% 12.50% 16.00% 17.62% 18.64% 0.72%
Operating Return on Assets (OROA)		 24.94% 10.49% -7.53% 1.95% 11.12% 16.02% 22.26% 27.89% 20.88% 19.31% 14.48%
Return on Assets (ROA)		 11.30% 1.98% -8.83% -16.98% -2.44% 6.73% 5.97% 12.94% 8.13% 6.07% 3.97%
Return on Common Equity (ROCE)		 -266.83% -5.94% 20.49% 27.84% 3.37% -11.03% -12.31% -35.98% -35.80% -44.59% -56.46%
Return on Equity Simple (ROE_SIMPLE)		 -35.63% -5.67% 18.41% 25.05% 3.32% -11.68% -13.17% -44.52% -46.18% -54.80% 0.00%
Net Operating Profit after Tax (NOPAT)		 43 18 -14 3.21 17 48 40 59 43 49 38
NOPAT Margin		 11.52% 5.93% -6.04% 1.26% 6.22% 15.45% 10.61% 12.37% 9.64% 10.19% 7.00%
Net Nonoperating Expense Percent (NNEP)		 5.38% 4.61% 3.20% 14.76% 7.80% 11.30% 8.49% 8.00% 7.16% 11.80% 9.03%
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - - - - 20.12% 20.01% 14.13%
Cost of Revenue to Revenue		 63.69% 66.99% 69.52% 69.28% 67.25% 64.67% 62.30% 63.05% 65.02% 64.37% 68.71%
SG&A Expenses to Revenue		 16.34% 20.74% 27.80% 26.59% 23.85% 21.07% 20.18% 19.08% 19.85% 21.51% 21.20%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 18.20% 23.62% 39.11% 28.93% 23.86% 23.04% 21.85% 20.31% 21.12% 22.56% 21.20%
Earnings before Interest and Taxes (EBIT)		 68 29 -19 4.29 23 38 59 79 62 62 54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 90 47 0.10 25 43 59 77 96 79 80 78
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.32
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.71
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.54%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.78
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.81
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.62
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.07
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.39
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 265.74
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 -3.57 -3.17 -2.54 -2.04 -1.99 -2.44 -2.51 -3.48 -5.10 -7.87 -16.54
Long-Term Debt to Equity		 -3.46 -3.17 -2.54 -2.04 -1.99 -2.38 -2.51 -3.48 -5.10 -7.87 -16.54
Financial Leverage		 -9.10 -3.08 -2.47 -2.05 -1.89 -1.94 -2.17 -2.74 -3.93 -5.70 -9.67
Leverage Ratio		 -10.92 -3.00 -2.32 -1.64 -1.38 -1.64 -2.06 -2.78 -4.41 -7.35 -14.22
Compound Leverage Factor		 -7.87 -0.89 -4.90 7.31 0.09 -0.55 -0.83 -1.74 -2.46 -2.96 -5.67
Debt to Total Capital		 138.95% 146.10% 164.88% 195.73% 200.53% 169.48% 166.27% 140.34% 124.38% 114.55% 106.44%
Short-Term Debt to Total Capital		 4.05% 0.00% 0.00% 0.00% 0.00% 4.04% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 134.90% 146.10% 164.88% 195.73% 200.53% 165.44% 166.27% 140.34% 124.38% 114.55% 106.44%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 -38.95% -46.10% -64.88% -95.73% -100.53% -69.48% -66.27% -40.34% -24.38% -14.55% -6.44%
Debt to EBITDA		 3.44 6.37 3,100.70 12.41 7.23 5.74 3.95 2.99 3.34 3.50 3.66
Net Debt to EBITDA		 3.29 5.59 2,863.92 11.58 6.79 4.76 3.68 2.87 3.18 3.08 3.39
Long-Term Debt to EBITDA		 3.34 6.37 3,100.70 12.41 7.23 5.60 3.95 2.99 3.34 3.50 3.66
Debt to NOPAT		 7.17 16.48 -22.49 95.22 17.79 6.98 7.63 4.85 6.18 5.73 7.53
Net Debt to NOPAT		 6.85 14.46 -20.77 88.90 16.71 5.79 7.11 4.67 5.89 5.04 6.96
Long-Term Debt to NOPAT		 6.96 16.48 -22.49 95.22 17.79 6.81 7.63 4.85 6.18 5.73 7.53
Altman Z-Score		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.70
Noncontrolling Interest Sharing Ratio		 -116.37% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 2.40 2.62 2.91 2.05 2.21 2.68 2.25 2.46 3.34 2.69 2.44
Quick Ratio		 1.57 1.94 1.59 1.55 1.48 1.97 1.26 1.35 1.74 1.57 1.39
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 31 57 10 13 18 42 19 28 35 38 1.66
Operating Cash Flow to CapEx		 235.25% 419.46% 33.42% 62.48% 68.05% 310.36% 200.80% 175.38% 531.48% 467.89% 327.38%
Free Cash Flow to Firm to Interest Expense		 1.62 2.86 0.48 0.57 0.74 456.20 3.75 0.96 1.28 1.04 0.05
Operating Cash Flow to Interest Expense		 2.31 2.99 0.12 0.15 0.11 239.28 4.01 1.06 1.25 1.17 1.82
Operating Cash Flow Less CapEx to Interest Expense		 1.33 2.28 -0.23 -0.09 -0.05 162.18 2.01 0.45 1.02 0.92 1.26
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 1.37 1.13 0.90 1.16 1.32 1.30 1.40 1.68 1.51 1.49 1.44
Accounts Receivable Turnover		 7.79 7.35 6.99 6.70 6.42 6.41 6.49 6.72 5.76 6.04 6.01
Inventory Turnover		 10.09 9.19 9.38 15.00 12.46 8.97 5.64 4.75 4.16 4.32 5.15
Fixed Asset Turnover		 7.72 5.85 4.57 0.00 0.00 0.00 0.00 0.00 7.39 7.30 6.14
Accounts Payable Turnover		 13.97 14.35 12.84 11.91 11.34 11.42 10.31 11.81 15.55 21.39 17.00
Days Sales Outstanding (DSO)		 46.87 49.68 52.22 54.45 56.85 56.95 56.21 54.29 63.35 60.46 60.75
Days Inventory Outstanding (DIO)		 36.18 39.72 38.92 24.33 29.30 40.67 64.67 76.90 87.75 84.50 70.81
Days Payable Outstanding (DPO)		 26.13 25.44 28.44 30.64 32.20 31.97 35.40 30.91 23.47 17.06 21.47
Cash Conversion Cycle (CCC)		 56.92 63.96 62.70 48.14 53.95 65.65 85.48 100.28 127.63 127.90 110.10
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 209 170 146 136 135 141 162 192 201 211 248
Invested Capital Turnover		 1.85 1.63 1.42 1.81 2.05 2.26 2.48 2.69 2.26 2.33 2.37
Increase / (Decrease) in Invested Capital		 12 -39 -24 -10 -1.15 6.27 21 30 8.24 11 36
Enterprise Value (EV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 440
Market Capitalization		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 175
Book Value per Share		 ($1.53) ($1.72) ($2.15) ($13.40) ($13.75) ($12.29) ($10.75) ($7.21) ($4.53) ($3.19) ($1.52)
Tangible Book Value per Share		 ($3.78) ($3.86) ($3.71) ($20.80) ($20.69) ($18.82) ($16.88) ($12.93) ($9.88) ($8.36) ($7.43)
Total Capital		 222 207 184 156 153 199 183 203 213 245 269
Total Debt		 309 302 304 306 308 337 304 286 265 280 287
Total Long-Term Debt		 300 302 304 306 308 329 304 286 265 280 287
Net Debt		 295 265 281 286 289 279 283 274 253 247 265
Capital Expenditures (CapEx)		 19 14 7.26 5.63 4.18 7.09 10 18 6.41 9.26 18
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 54 20 44 23 32 46 60 89 104 94 99
Debt-free Net Working Capital (DFNWC)		 68 57 67 43 51 104 81 100 116 127 121
Net Working Capital (NWC)		 59 57 67 43 51 96 81 100 116 127 121
Net Nonoperating Expense (NNE)		 12 13 8.50 41 22 32 24 22 19 29 23
Net Nonoperating Obligations (NNO)		 295 265 266 286 289 279 283 274 253 247 265
Total Depreciation and Amortization (D&A)		 22 19 19 20 19 20 17 17 18 18 24
Debt-free, Cash-free Net Working Capital to Revenue		 14.54% 6.54% 19.59% 8.95% 11.45% 14.74% 16.06% 18.61% 23.29% 19.54% 18.24%
Debt-free Net Working Capital to Revenue		 18.18% 18.51% 29.96% 16.89% 18.17% 33.20% 21.57% 20.93% 26.08% 26.52% 22.23%
Net Working Capital to Revenue		 15.77% 18.51% 29.96% 16.89% 18.17% 30.62% 21.57% 20.93% 26.08% 26.52% 22.23%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.04) $0.10 ($1.98) ($3.36) ($0.40) $1.44 $1.42 $3.24 $2.10 $1.75 $1.32
Adjusted Weighted Average Basic Shares Outstanding		 56.54M 55.36M 11.13M 11.16M 11.22M 11.23M 11.24M 11.29M 11.43M 11.15M 11.33M
Adjusted Diluted Earnings per Share		 ($0.04) $0.10 ($1.98) ($3.36) ($0.40) $1.44 $1.36 $3.11 $2.01 $1.64 $1.25
Adjusted Weighted Average Diluted Shares Outstanding		 56.54M 55.36M 11.13M 11.16M 11.22M 11.23M 11.76M 11.75M 11.92M 11.88M 11.92M
Adjusted Basic & Diluted Earnings per Share		 ($0.04) $0.10 ($1.98) ($3.36) ($0.40) $1.44 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 56.54M 55.36M 11.13M 11.15M 11.20M 11.23M 11.26M 11.39M 11.40M 11.24M 11.46M
Normalized Net Operating Profit after Tax (NOPAT)		 44 20 -0.16 3.21 13 27 40 59 43 49 38
Normalized NOPAT Margin		 11.64% 6.49% -0.07% 1.26% 4.71% 8.61% 10.61% 12.37% 9.64% 10.19% 7.00%
Pre Tax Income Margin		 13.13% 2.77% -17.71% -7.48% -0.55% 4.13% 6.35% 10.33% 7.75% 5.21% 4.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.58 1.43 -0.90 0.18 0.94 417.11 11.78 2.66 2.27 1.68 1.66
NOPAT to Interest Expense		 2.27 0.91 -0.65 0.14 0.69 524.33 7.88 1.99 1.58 1.32 1.16
EBIT Less CapEx to Interest Expense		 2.60 0.71 -1.25 -0.06 0.77 340.01 9.79 2.06 2.03 1.43 1.11
NOPAT Less CapEx to Interest Expense		 1.28 0.20 -1.00 -0.10 0.53 447.23 5.89 1.38 1.34 1.07 0.61
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 746.25% 139.27% -34.26% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 935.14% 250.55% -34.26% 0.00% 0.00% 0.00% 0.00% 0.00% 1.04% 44.45% 0.00%

Quarterly Metrics And Ratios for CPI Card Group

This table displays calculated financial ratios and metrics derived from CPI Card Group's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - 11,456,146.00 - - - 11,159,418.00 11,240,507.00 11,281,489.00 11,337,367.00 11,387,538.00 11,460,436.00
DEI Adjusted Shares Outstanding		 - 11,456,146.00 - - - 11,159,418.00 11,240,507.00 11,281,489.00 11,337,367.00 11,387,538.00 11,460,436.00
DEI Earnings Per Adjusted Shares Outstanding		 - 0.24 - - - 0.61 0.42 0.05 0.20 0.65 0.18
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -15.02% -18.64% -7.38% 3.36% 17.84% 21.60% 9.67% 9.20% 10.59% 22.35% 19.83%
EBITDA Growth		 -37.19% -43.53% -25.06% -26.68% 6.27% 33.66% 0.77% -21.12% -11.47% 22.68% -5.03%
EBIT Growth		 -44.69% -52.60% -31.26% -14.83% 33.49% 47.64% 0.30% -36.55% -26.00% 14.18% -21.92%
NOPAT Growth		 -53.58% -59.48% -38.33% 0.83% 248.15% 76.78% 3.77% -66.23% -71.43% 2.43% -31.01%
Net Income Growth		 -67.62% -78.10% -49.83% -8.00% -66.48% 147.88% -12.48% -91.37% 78.50% 8.54% -56.93%
EPS Growth		 -67.33% -79.44% -49.45% -7.27% -66.67% 154.55% -13.04% -92.16% 72.73% 10.71% -57.50%
Operating Cash Flow Growth		 -39.86% -39.99% 10.80% 0.00% 0.00% 126.42% -36.91% 191.32% -20.49% 48.51% 144.02%
Free Cash Flow Firm Growth		 81.95% 93.13% 232.28% 158.62% 452.58% 396.25% -180.65% -1,365.33% -432.12% -1,023.84% -83.75%
Invested Capital Growth		 5.74% 4.28% -0.68% 3.49% 8.39% 5.28% 9.86% 21.66% 19.81% 17.23% 11.02%
Revenue Q/Q Growth		 -7.91% -2.83% 0.00% 6.15% 4.99% 0.28% -1.87% 5.70% 6.33% 10.94% -3.88%
EBITDA Q/Q Growth		 -20.69% -12.03% 0.00% -13.32% 14.95% -5.75% -8.60% -18.42% 25.97% 30.60% -29.25%
EBIT Q/Q Growth		 -25.73% -16.59% 0.00% 5.33% 16.40% -7.75% -11.33% -33.37% 35.77% 42.34% -39.37%
NOPAT Q/Q Growth		 -24.50% -8.31% 0.00% 6.93% 160.70% -53.45% -20.04% -65.20% 120.53% 66.93% -46.14%
Net Income Q/Q Growth		 -40.87% -29.17% 0.00% 10.01% -78.45% 423.74% -29.50% -89.15% 345.56% 218.46% -72.03%
EPS Q/Q Growth		 -40.00% -33.33% 0.00% 10.87% -78.43% 409.09% -28.57% -90.00% 375.00% 226.32% -72.58%
Operating Cash Flow Q/Q Growth		 414.61% -1.41% 0.00% 0.00% 0.00% 112.54% -79.02% -22.33% 129.60% 296.96% -65.53%
Free Cash Flow Firm Q/Q Growth		 47.47% 72.73% 0.00% -69.96% 215.98% -77.09% -470.80% -371.33% 17.06% 36.27% 26.25%
Invested Capital Q/Q Growth		 -2.28% -2.35% 0.00% 8.96% 2.34% -5.15% 3.87% 20.66% 0.78% -7.19% -1.63%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 34.15% 34.43% 37.09% 35.67% 35.83% 34.07% 33.15% 30.92% 29.71% 31.55% 29.99%
EBITDA Margin		 16.44% 14.88% 16.58% 13.54% 14.82% 16.35% 15.23% 11.76% 13.93% 16.40% 12.07%
Operating Margin		 12.24% 10.24% 12.64% 12.55% 14.27% 12.74% 11.49% 7.26% 9.44% 11.95% 7.47%
EBIT Margin		 12.22% 10.49% 12.58% 12.48% 13.84% 12.73% 11.50% 7.25% 9.26% 11.88% 7.50%
Profit (Net Income) Margin		 3.64% 2.66% 4.87% 5.05% 1.04% 5.41% 3.89% 0.40% 1.67% 4.80% 1.40%
Tax Burden Percent		 62.27% 70.21% 71.26% 72.29% 157.88% 82.07% 74.17% 38.63% 61.66% 71.92% 61.01%
Interest Burden Percent		 47.89% 36.07% 54.37% 55.97% 4.74% 51.81% 45.58% 14.25% 29.30% 56.19% 30.56%
Effective Tax Rate		 37.73% 29.79% 28.74% 27.71% -57.88% 17.94% 25.84% 61.37% 38.34% 26.76% 34.36%
Return on Invested Capital (ROIC)		 17.85% 16.27% 0.00% 0.00% 0.00% 24.40% 19.98% 5.84% 12.26% 20.74% 12.03%
ROIC Less NNEP Spread (ROIC-NNEP)		 16.32% 14.50% 0.00% 0.00% 0.00% 21.88% 17.69% 4.72% 10.21% 18.38% 10.00%
Return on Net Nonoperating Assets (RNNOA)		 -59.55% -57.03% 0.00% 0.00% 0.00% -124.79% -112.57% -35.66% -83.19% -177.61% -115.84%
Return on Equity (ROE)		 -41.69% -40.76% 0.00% 0.00% 0.00% -100.38% -92.59% -29.82% -70.94% -156.87% -103.81%
Cash Return on Invested Capital (CROIC)		 21.43% 17.62% 0.00% 0.00% 0.00% 18.64% 14.30% -0.72% -2.43% 0.72% 4.54%
Operating Return on Assets (OROA)		 19.15% 15.79% 0.00% 0.00% 0.00% 19.02% 16.83% 10.10% 12.74% 17.16% 11.53%
Return on Assets (ROA)		 5.71% 4.00% 0.00% 0.00% 0.00% 8.09% 5.69% 0.56% 2.30% 6.93% 2.15%
Return on Common Equity (ROCE)		 -41.69% -40.76% 0.00% 0.00% 0.00% -100.38% -92.59% -29.82% -70.94% -156.87% -103.81%
Return on Equity Simple (ROE_SIMPLE)		 -59.47% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 8.07 7.40 10 11 28 13 10 3.64 8.03 13 7.22
NOPAT Margin		 7.62% 7.19% 9.01% 9.07% 22.52% 10.46% 8.52% 2.81% 5.82% 8.75% 4.91%
Net Nonoperating Expense Percent (NNEP)		 1.53% 1.77% 1.78% 1.78% 10.16% 2.53% 2.29% 1.12% 2.05% 2.36% 2.04%
Return On Investment Capital (ROIC_SIMPLE)		 - 3.47% - - - 5.34% 4.17% 1.29% 2.84% 4.98% 2.74%
Cost of Revenue to Revenue		 65.85% 65.57% 62.91% 64.33% 64.17% 65.93% 66.85% 69.08% 70.29% 68.45% 70.01%
SG&A Expenses to Revenue		 20.58% 22.86% 23.27% 22.07% 20.58% 24.37% 21.66% 22.57% 19.19% 22.21% 22.52%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 21.91% 24.18% 24.45% 23.13% 21.56% 21.32% 21.66% 23.66% 20.28% 19.60% 22.52%
Earnings before Interest and Taxes (EBIT)		 13 11 14 15 17 16 14 9.41 13 18 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 15 19 16 18 20 19 15 19 25 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.51 0.00 0.00 0.00 0.74 0.71 0.56 0.35 0.32 0.30
Price to Earnings (P/E)		 0.00 9.54 0.00 0.00 0.00 18.19 18.59 21.18 12.49 11.71 14.07
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 10.49% 0.00% 0.00% 0.00% 5.50% 5.38% 4.72% 8.01% 8.54% 7.11%
Enterprise Value to Invested Capital (EV/IC)		 0.00 2.40 0.00 0.00 0.00 2.85 2.73 2.18 1.77 1.78 1.76
Enterprise Value to Revenue (EV/Rev)		 0.00 1.08 0.00 0.00 0.00 1.25 1.22 1.15 0.92 0.81 0.76
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 6.06 0.00 0.00 0.00 7.52 7.47 7.58 6.41 5.62 5.56
Enterprise Value to EBIT (EV/EBIT)		 0.00 7.81 0.00 0.00 0.00 9.69 9.65 10.17 9.04 8.07 8.36
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 11.23 0.00 0.00 0.00 12.29 12.07 12.70 12.37 11.56 12.39
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 14.14 0.00 0.00 0.00 13.90 14.97 11.74 10.13 7.39 6.36
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 13.90 0.00 0.00 0.00 15.68 20.00 0.00 0.00 265.74 40.86
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 -4.81 -5.10 -5.48 -6.05 -6.55 -7.87 -9.44 -10.71 -12.02 -16.54 -19.76
Long-Term Debt to Equity		 -4.81 -5.10 -5.48 -6.05 -6.55 -7.87 -9.44 -10.71 -12.02 -16.54 -19.76
Financial Leverage		 -3.65 -3.93 -4.36 -4.98 -5.30 -5.70 -6.36 -7.56 -8.15 -9.67 -11.59
Leverage Ratio		 -3.96 -4.41 -5.19 -5.78 -6.38 -7.35 -8.59 -9.80 -10.95 -14.22 -16.89
Compound Leverage Factor		 -1.89 -1.59 -2.82 -3.24 -0.30 -3.81 -3.92 -1.40 -3.21 -7.99 -5.16
Debt to Total Capital		 126.27% 124.38% 122.34% 119.79% 118.03% 114.55% 111.84% 110.30% 109.07% 106.44% 105.33%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 126.27% 124.38% 122.34% 119.79% 118.03% 114.55% 111.84% 110.30% 109.07% 106.44% 105.33%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 -26.27% -24.38% -22.34% -19.79% -18.03% -14.55% -11.84% -10.30% -9.07% -6.44% -5.33%
Debt to EBITDA		 2.98 3.34 0.00 0.00 0.00 3.50 3.50 4.08 4.19 3.66 3.58
Net Debt to EBITDA		 2.86 3.18 0.00 0.00 0.00 3.08 3.11 3.86 3.97 3.39 3.33
Long-Term Debt to EBITDA		 2.98 3.34 0.00 0.00 0.00 3.50 3.50 4.08 4.19 3.66 3.58
Debt to NOPAT		 5.05 6.18 0.00 0.00 0.00 5.73 5.65 6.85 8.09 7.53 7.98
Net Debt to NOPAT		 4.86 5.89 0.00 0.00 0.00 5.04 5.02 6.47 7.67 6.96 7.43
Long-Term Debt to NOPAT		 5.05 6.18 0.00 0.00 0.00 5.73 5.65 6.85 8.09 7.53 7.98
Altman Z-Score		 0.00 2.75 0.00 0.00 0.00 2.79 2.81 2.37 2.27 2.40 2.49
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 3.53 3.34 2.44 2.61 2.65 2.69 2.95 2.59 2.56 2.44 2.54
Quick Ratio		 1.71 1.74 1.16 1.22 1.25 1.57 1.64 1.32 1.29 1.39 1.45
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.08 -0.84 11 3.44 11 2.49 -9.23 -44 -36 -23 -17
Operating Cash Flow to CapEx		 0.00% 3,579.03% 588.65% 0.00% 0.00% 527.11% 105.51% 113.99% 213.80% 900.05% 388.50%
Free Cash Flow to Firm to Interest Expense		 -0.46 -0.12 1.78 0.53 0.66 0.32 -1.20 -5.39 -3.99 -2.89 -2.22
Operating Cash Flow to Interest Expense		 1.77 1.71 1.38 0.00 0.00 3.47 0.73 0.54 1.10 4.97 1.78
Operating Cash Flow Less CapEx to Interest Expense		 1.85 1.66 1.15 0.00 0.00 2.82 0.04 0.07 0.59 4.42 1.32
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 1.57 1.51 0.00 0.00 0.00 1.49 1.46 1.39 1.38 1.44 1.54
Accounts Receivable Turnover		 6.53 5.76 0.00 0.00 0.00 6.04 6.82 6.13 6.05 6.01 6.92
Inventory Turnover		 4.11 4.16 0.00 0.00 0.00 4.32 4.05 3.94 3.96 5.15 5.60
Fixed Asset Turnover		 0.00 7.39 0.00 0.00 0.00 7.30 6.96 6.07 6.05 6.14 6.08
Accounts Payable Turnover		 14.12 15.55 0.00 0.00 0.00 21.39 14.05 14.91 13.79 17.00 17.71
Days Sales Outstanding (DSO)		 55.87 63.35 0.00 0.00 0.00 60.46 53.49 59.55 60.30 60.75 52.76
Days Inventory Outstanding (DIO)		 88.84 87.75 0.00 0.00 0.00 84.50 90.18 92.70 92.21 70.81 65.14
Days Payable Outstanding (DPO)		 25.86 23.47 0.00 0.00 0.00 17.06 25.98 24.49 26.47 21.47 20.61
Cash Conversion Cycle (CCC)		 118.85 127.63 0.00 0.00 0.00 127.90 117.69 127.77 126.04 110.10 97.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 205 201 200 218 223 211 219 265 267 248 244
Invested Capital Turnover		 2.34 2.26 0.00 0.00 0.00 2.33 2.34 2.08 2.11 2.37 2.45
Increase / (Decrease) in Invested Capital		 11 8.24 -1.36 7.34 17 11 20 47 44 36 24
Enterprise Value (EV)		 0.00 481 0.00 0.00 0.00 602 599 577 472 440 430
Market Capitalization		 0.00 229 0.00 0.00 0.00 355 350 283 179 175 172
Book Value per Share		 ($4.96) ($4.53) ($4.25) ($4.01) ($3.86) ($3.19) ($2.64) ($2.57) ($2.26) ($1.52) ($1.22)
Tangible Book Value per Share		 ($10.41) ($9.88) ($9.54) ($9.35) ($9.15) ($8.36) ($7.70) ($8.70) ($8.47) ($7.43) ($7.01)
Total Capital		 216 213 217 225 237 245 251 282 283 269 263
Total Debt		 273 265 265 270 280 280 281 311 308 287 277
Total Long-Term Debt		 273 265 265 270 280 280 281 311 308 287 277
Net Debt		 262 253 248 262 266 247 249 294 292 265 258
Capital Expenditures (CapEx)		 -0.52 0.33 1.51 0.00 0.00 5.06 5.30 3.81 4.67 4.40 3.51
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 105 104 90 103 109 94 96 108 113 99 95
Debt-free Net Working Capital (DFNWC)		 115 116 107 111 124 127 127 125 129 121 115
Net Working Capital (NWC)		 115 116 107 111 124 127 127 125 129 121 115
Net Nonoperating Expense (NNE)		 4.21 4.67 4.62 4.78 27 6.31 5.69 3.12 5.72 6.05 5.16
Net Nonoperating Obligations (NNO)		 262 253 248 262 266 247 249 294 292 265 258
Total Depreciation and Amortization (D&A)		 4.47 4.52 4.48 1.25 1.23 4.53 4.58 5.84 6.44 6.91 6.73
Debt-free, Cash-free Net Working Capital to Revenue		 22.38% 23.29% 0.00% 0.00% 0.00% 19.54% 19.51% 21.54% 21.90% 18.24% 16.78%
Debt-free Net Working Capital to Revenue		 24.61% 26.08% 0.00% 0.00% 0.00% 26.52% 25.93% 24.94% 25.00% 22.23% 20.17%
Net Working Capital to Revenue		 24.61% 26.08% 0.00% 0.00% 0.00% 26.52% 25.93% 24.94% 25.00% 22.23% 20.17%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.34 $0.24 $0.48 $0.54 $0.12 $0.61 $0.42 $0.05 $0.20 $0.65 $0.18
Adjusted Weighted Average Basic Shares Outstanding		 11.43M 11.43M 11.27M 11.05M 11.11M 11.15M 11.25M 11.30M 11.35M 11.33M 11.46M
Adjusted Diluted Earnings per Share		 $0.33 $0.22 $0.46 $0.51 $0.11 $0.56 $0.40 $0.04 $0.19 $0.62 $0.17
Adjusted Weighted Average Diluted Shares Outstanding		 11.83M 11.92M 11.77M 11.78M 11.87M 11.88M 12.01M 11.93M 11.85M 11.92M 11.86M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.46M 11.40M 11.12M 11.08M 11.16M 11.24M 11.28M 11.34M 11.39M 11.46M 11.48M
Normalized Net Operating Profit after Tax (NOPAT)		 8.07 7.40 10 11 12 13 10 6.60 8.03 13 7.22
Normalized NOPAT Margin		 7.62% 7.19% 9.01% 9.07% 9.99% 10.46% 8.52% 5.08% 5.82% 8.75% 4.91%
Pre Tax Income Margin		 5.85% 3.78% 6.84% 6.99% 0.66% 6.60% 5.24% 1.03% 2.71% 6.68% 2.29%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.92 1.56 2.19 2.27 1.05 2.08 1.84 1.17 1.41 2.28 1.44
NOPAT to Interest Expense		 1.20 1.07 1.57 1.65 1.71 1.70 1.36 0.45 0.89 1.68 0.94
EBIT Less CapEx to Interest Expense		 2.00 1.52 1.96 0.00 0.00 1.42 1.15 0.69 0.90 1.73 0.98
NOPAT Less CapEx to Interest Expense		 1.27 1.03 1.33 0.00 0.00 1.05 0.67 -0.02 0.37 1.13 0.48
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 1.04% 0.00% 0.00% 0.00% 44.45% 0.00% 16.45% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

CPI Card Group (NASDAQ: PMTS) showed solid top-line growth in Q1 2026, but profitability and cash generation weakened sequentially versus late 2025. Revenue held up reasonably well over the past year, but the first quarter of 2026 was softer than both Q4 2025 and the year-ago quarter in several key areas. The balance sheet also shows a highly leveraged capital structure, which remains the biggest risk for investors.

What stands out from the latest quarter and recent trend:

  • Q1 2026 revenue was $147.1 million, up from $122.8 million in Q1 2025 and roughly in line with the company’s recent quarterly range.
  • Gross profit remained healthy at $44.1 million in Q1 2026, reflecting continued ability to convert sales into profit.
  • Operating income was $11.0 million in Q1 2026, showing the business is still profitable at the operating level.
  • The company generated $13.6 million of operating cash flow in Q1 2026, which is strong relative to net income of $2.1 million.
  • Capital spending was modest at $3.5 million in Q1 2026, suggesting disciplined investment levels.
  • Compared with Q1 2025, revenue rose meaningfully from $122.8 million to $147.1 million, indicating better demand or pricing.
  • Depreciation and amortization remain significant, meaning reported earnings are meaningfully supported by non-cash add-backs in cash flow.
  • The company’s quarterly revenue has generally stayed above $120 million across the last several years, indicating a relatively stable operating base.
  • Q1 2026 net income fell sharply to $2.1 million from $7.4 million in Q4 2025 and $4.8 million in Q1 2025.
  • Operating cash flow dropped to $13.6 million in Q1 2026 from $39.6 million in Q4 2025, a significant sequential slowdown.
  • Interest expense remains very high at $7.7 million in Q1 2026, continuing to pressure pretax earnings.
  • Long-term debt rose to $276.9 million in Q1 2026 from $280.7 million a year earlier and remains large relative to equity, which was still negative at quarter-end.
  • Total liabilities were $400.5 million versus total assets of $386.5 million in Q1 2026, leaving shareholders’ equity negative at $14.0 million.
  • Cash and equivalents fell to $19.3 million in Q1 2026 from $31.5 million in Q1 2025, reducing liquidity cushion.

Quarter-over-quarter, the trend was softer: revenue declined from $153.1 million in Q4 2025 to $147.1 million in Q1 2026, operating income fell from $18.3 million to $11.0 million, and net income dropped from $7.4 million to $2.1 million. Cash flow from operations also fell sharply from $39.6 million to $13.6 million. That suggests Q4 2025 was a particularly strong quarter, while Q1 2026 was more normal or slightly weaker.

Longer-term, PMTS has improved from the weaker 2023 period, but leverage has stayed elevated. In 2023, the company had quarters with much lower earnings and even negative operating cash flow, while 2024 and 2025 showed better profitability and cash generation. However, the company has also carried substantial debt throughout the period, and negative equity has persisted, which limits financial flexibility.

Bottom line: CPI Card Group appears to have a durable revenue base and can generate meaningful operating cash flow, but the investment case remains burdened by high debt, heavy interest expense, and a fragile balance sheet. Investors should watch whether the company can keep revenue steady while rebuilding earnings and reducing leverage.

07/14/26 07:50 AM ETAI Generated. May Contain Errors.

CPI Card Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, CPI Card Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

CPI Card Group's net income appears to be on an upward trend, with a most recent value of $14.95 million in 2025, falling from $30.86 million in 2015. The previous period was $19.52 million in 2024. See CPI Card Group's forecast for analyst expectations on what's next for the company.

CPI Card Group's total operating income in 2025 was $54.84 million, based on the following breakdown:
  • Total Gross Profit: $170.10 million
  • Total Operating Expenses: $115.26 million

Over the last 10 years, CPI Card Group's total revenue changed from $374.11 million in 2015 to $543.53 million in 2025, a change of 45.3%.

CPI Card Group's total liabilities were at $420.52 million at the end of 2025, a 9.1% increase from 2024, and a 14.6% increase since 2015.

In the past 10 years, CPI Card Group's cash and equivalents has ranged from $11.04 million in 2022 to $57.60 million in 2020, and is currently $21.70 million as of their latest financial filing in 2025.

Over the last 10 years, CPI Card Group's book value per share changed from -1.53 in 2015 to -1.52 in 2025, a change of -0.7%.


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Financial statements for NASDAQ:PMTS last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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