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    C

    CPI Card Group Inc (PMTS)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $25.70
    +0.39 (+1.54%)

    Market Cap: $298.03M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    51%(20/39)
    Avg Surprise
    -43.85%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.83
    Range$0.82 - $0.84
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.89-6.2%
    60d ago$0.89-6.2%
    30d ago$0.78+7.1%
    7d ago$0.78+7.1%
    Current$0.83
    Revenue Consensus
    $150M
    Range$148M - $151M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.29
    Range$1.20 - $1.38
    2 analysts
    Revenue Consensus
    $176M
    Range$171M - $181M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.29---
    Sep 26EST
    		-$0.83---
    Jun 26
    Reported Aug 6
    		$0.47$0.37+27.03%Beat+62.1%
    Mar 26
    Reported May 5
    		$0.41$0.40+2.50%Beat-12.8%
    Dec 25
    Reported Mar 5
    		$1.48$0.65+127.48%Beat+155.1%
    Sep 25
    Reported Nov 4
    		$0.45$0.62-27.42%Miss-13.5%
    Jun 25
    Reported Aug 8
    		$0.29N/A-57.97%Miss-49.1%
    Mar 25
    Reported May 7
    		$0.47$0.69-31.88%Miss+0.0%
    Dec 24
    Reported Mar 4
    		$0.58$0.72-19.50%Miss+152.0%
    Sep 24
    Reported Nov 5
    		$0.52$0.55-5.45%Miss+57.6%
    Jun 24
    Reported Aug 5
    		$0.57$0.65-12.31%Miss+3.6%
    Mar 24
    Reported May 7
    		$0.47$0.55-14.55%Miss-48.4%
    Dec 23
    Reported Mar 7
    		$0.23$0.32-28.13%Miss-78.3%
    Sep 23
    Reported Nov 7
    		$0.33$0.50-34.00%Miss-67.3%
    Jun 23
    Reported Aug 8
    		$0.55$0.33+66.67%Beat+5.8%
    Mar 23
    Reported May 9
    		$0.91$0.60+51.67%Beat+56.9%
    Dec 22
    Reported Mar 8
    		$1.06$0.37+186.49%Beat+1666.7%
    Sep 22
    Reported Nov 3
    		$1.01$0.58+74.14%Beat+80.4%
    Jun 22
    Reported Aug 8
    		$0.52$0.37+40.54%Beat-1.9%
    Mar 22
    Reported May 5
    		$0.58$0.24+141.67%Beat+176.2%
    Dec 21
    Reported Mar 8
    		$0.06N/A-82.86%Miss-90.8%
    Sep 21
    Reported Nov 5
    		$0.56$0.56+0.00%Beat+7.7%
    Jun 21
    Reported Aug 12
    		$0.53$0.53+0.00%Beat+567.5%
    Mar 21
    Reported May 11
    		$0.21$0.21+0.00%Beat-43.2%
    Dec 20
    Reported Feb 25
    		$0.65$-0.14+564.93%Beat+564.9%
    Sep 20
    Reported Nov 3
    		$0.52$0.31+67.74%Beat+966.7%
    Jun 20
    Reported Aug 5
    		$0.08N/A+149.63%Beat+161.1%
    Mar 20
    Reported May 6
    		$0.37$-0.22+268.18%Beat+237.0%
    Dec 19
    Reported Mar 9
    		$-0.14$-0.27+48.15%Beat+70.8%
    Sep 19
    Reported Nov 6
    		$-0.06$0.06-200.00%Miss+89.0%
    Jun 19
    Reported Aug 7
    		$-0.13$-0.04-225.00%Miss-230.0%
    Mar 19
    Reported May 9
    		$-0.27$-0.40+32.50%Beat+42.6%
    Dec 18
    Reported Mar 6
    		$-0.48$-0.15-220.00%Miss-1500.0%
    Sep 18
    Reported Nov 7
    		$-0.55$0.03-1926.33%Miss-647.9%
    Jun 18
    Reported Aug 9
    		$0.10N/A+140.00%Beat+151.5%
    Mar 18
    Reported May 8
    		$-0.47$-0.23-104.35%Miss-88.0%
    Dec 17
    Reported Mar 12
    		$-0.03N/A+62.50%Beat+91.7%
    Sep 17
    Reported Nov 7
    		$0.10N/A-58.33%Miss-
    Jun 17
    Reported Aug 2
    		$-0.19$0.16-221.44%Miss-
    Mar 17
    Reported May 3
    		$-0.25$0.13-292.31%Miss-
    Dec 16
    Reported Mar 1
    		$-0.36$-0.12-200.25%Miss-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    Payout Ratio0.00%
    FrequencyQuarterly
    No dividend payments in the selected period.

    Key Metrics

    Valuation
    P/E Ratio9.15EV/EBITDA6.65x
    Price/FCF3.86xFCF Yield25.93%
    Profitability
    Profit Margin2.34%Operating Margin5.61%
    ROE0.00%ROIC14.10%
    Financial Health
    Debt/Equity-22.85xInterest Coverage1.66x
    Current Ratio2.09xQuick Ratio1.39x
    Trading Statistics
    Beta1.12Avg Volume166.64K
    52-Week High$31.2552-Week Low$10.81

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$25.25
    SMA 20$24.92
    SMA 50$26.53
    SMA 200$18.82
    EMA 10$25.31
    EMA 20$25.28
    EMA 50$24.93
    EMA 200$20.97

    MACD

    Line: -0.04Signal: -0.19Hist: 0.15

    ADX

    ADX: 12.9+DI: 24.5-DI: 18.3

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down4.0
    PSAR$22.58

    Bollinger Bands

    Upper Band$25.83
    Lower Band$24.00
    %B Position733%(Upper)
    Band Width0.93

    RSI (14-Day)

    Neutral
    53.7

    Momentum Oscillators

    Stoch %K77.0
    Stoch %D81.9
    Williams %R-16.7
    ROC (10d)4.3%
    Momentum1.06
    CCI (20d)144.3
    MFI (14d)73.4

    Volatility Measures

    ATR (14d)$0.82(3.2%)
    StdDev (20d)0.46
    Hist Vol20.0%(Low)

    Volume Flow

    VWAP$25.66
    OBV1.1M
    AD Line1.6M
    CMF (20d)0.229

    Volume Metrics

    Avg Vol (20d)147.3K
    Vol Ratio0.6x
    VWMA (20d)$24.89

    Pivot Points

    R3$26.33
    R2$26.10
    R1$25.70
    Pivot Point$25.47
    S1$25.07
    S2$24.84
    S3$24.44

    Advanced Oscillators

    TSI-1.55
    Ultimate Osc59.3
    KST-42.31

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$149.18M$147.11M$153.05M$137.97M$129.75M$122.76M$125.10M$124.75M$118.82M$111.94M$102.87M$105.86M
    Cost of Revenue$100.69M$102.98M$104.77M$96.97M$89.63M$82.06M$82.48M$80.05M$76.43M$70.42M$67.45M$69.71M
    Gross Profit$48.49M$44.12M$48.29M$40.99M$40.12M$40.70M$42.62M$44.70M$42.39M$41.52M$35.42M$36.15M
    Operating Expenses$36.62M$33.13M$29.99M$27.98M$30.70M$26.59M$26.68M$26.90M$27.48M$27.37M$24.88M$23.19M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$33.13M$34.00M$26.47M$0$26.59M$30.48M$25.67M$26.23M$26.04M$23.52M$21.78M
    Operating Income$11.86M$10.99M$18.30M$13.02M$9.42M$14.10M$15.94M$17.80M$14.91M$14.14M$10.54M$12.96M
    Interest Income$-7,652,000$0$0$0$-8,069,000$0$0$0$0$0$0$0
    Interest Expense$7.44M$7.66M$7.97M$9.03M$8.08M$7.68M$7.67M$16.45M$6.53M$6.42M$6.90M$6.74M
    Income Before Tax$4.42M$3.37M$10.22M$3.74M$1.34M$6.44M$8.25M$819,000$8.30M$7.66M$3.89M$6.19M
    Income Tax Expense$2.14M$1.16M$2.73M$1.44M$823,000$1.66M$1.48M$-474,000$2.30M$2.20M$1.16M$2.34M
    Net Income$2.04M$2.06M$7.35M$2.31M$518,000$4.77M$6.77M$1.29M$6.00M$5.46M$2.73M$3.86M
    EBITDA$18.50M$17.76M$25.10M$19.22M$15.25M$18.70M$20.46M$21.71M$19.34M$18.56M$15.31M$17.40M
    EBIT$11.83M$11.03M$18.18M$12.78M$9.41M$14.12M$15.93M$17.26M$14.83M$14.08M$10.79M$12.93M
    * Some calculated fields are derived from available data when not provided by source

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    News

    CPI Card Reports Q2 2026 Results: Full Earnings Call Transcript

    CPI Card Group Inc. announced strong Q2 and H1 2026 results, with revenue growth of 15% and 17% respectively, achieving record first-half revenue. The company completed the strategic acquisition of TRISM to expand its...

    Benzinga•10/7/26•Bullish

    CPI Card Group Inc. (PMTS) Stock Price, News, Quote & History

    This page provides a comprehensive overview of CPI Card Group Inc. (PMTS), including its current stock price, recent news, historical data...

    Yahoo! Finance Canada•9/30/26•Somewhat-Bullish

    Three in four respondents say instant cards matter. CPI renewed its Vericast deal.

    CPI Card Group (Nasdaq: PMTS) has renewed its multi-year service agreement with Vericast, continuing a partnership now in its 24th year. This renewal solidifies CPI's role as Vericast's preferred supplier for payment...

    Stock Titan•9/29/26•Somewhat-Bullish

    Bankjoy Partners with CPI to Bring Push Provisioning to Community Banks and Credit Unions

    CPI Card Group and Bankjoy have partnered to integrate CPI's Push Provisioning into Bankjoy's digital banking platform. This collaboration aims to provide community banks and credit unions with a streamlined...

    Stock Titan•9/22/26•Bullish

    D.A. Davidson Serves as Joint Bookrunner to CPI Card Group on Its $58 Million Follow-On Offering of Common Stock

    D.A. Davidson & Co. acted as Joint Bookrunner for CPI Card Group Inc.'s $58 million secondary common shares follow-on offering. The offering involved 2,687,921 shares sold by stockholders affiliated with Parallel49...

    Business Wire•9/21/26•Somewhat-Bullish

    PMTS Valuation and Fair Value

    P/E
    9.2x
    Forward P/E
    7.1x
    EV/EBITDA
    6.7x
    P/FCF
    3.9x
    PEG
    0.6x
    P/B
    -25.7x
    See GNG's fair value

    PMTS Profitability: Margins, ROIC and FCF

    Gross margin
    31.0%
    Operating margin
    5.6%
    Net margin
    2.3%
    ROIC
    14.1%
    ROE
    0.0%
    FCF margin
    13.0%
    FCF yield
    25.9%

    PMTS Competitors

    CompanyTicker
    First Community CorporationFCCO
    Archimedes Tech SPAC Partners II Co. Ordinary SharesATII
    Horizon Technology FinanceHRZN
    Titan Acquisition Corp. UnitsTACHU
    NI Holdings IncNODK
    Palmer Square Capital BDC Inc.PSBD
    NewtekOne, Inc.NEWT
    SilverBox Corp IVSBXD

    Sector: Financial Services

    PMTS Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    0
    Buy
    4
    Hold
    0
    Sell
    0
    Strong Sell
    0

    PMTS Bull Case vs Bear Case

    Bull case

    • PMTS grew quarterly revenue 15.0% year over year.

    Bear case

    • PMTS beat EPS estimates in 37.5% of its last 8 reported quarters.

    PMTS Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    1.8%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.83
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    PMTS Dividend

    Forward yield
    0.0%
    Payout ratio
    0.0%

    Frequently Asked Questions About PMTS

    Does PMTS pay dividends?

    CPI Card Group Inc (PMTS) has a dividend payment track record. See the PMTS dividend history page for its current payment status, TTM yield, and recorded payments.

    What is PMTS's P/E ratio?

    CPI Card Group Inc has a price-to-earnings (P/E) ratio of 9.15.

    What is PMTS's market cap?

    CPI Card Group Inc (PMTS) has a market capitalization of $298.03M with a current stock price of $25.70.

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