CPI Card Group Inc. (PMTS) stock

PMTSNasdaqCommercial PrintingFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 9/3011% below fair value

$24.93−0.23 (-0.91%)

Close on Nov 13, 2026Market cap $287.46MP/E 18.2Yield –

CPI Card statistics

96 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Mar 4, 2027 (estimated, before the open)
Last ex-dividend date: Jun 14, 2017
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $287.46M; $1.04B
Enterprise Value: $523.42M; $1.19B
PE Ratio: 18.20; 18.20
PS Ratio: 0.47; 0.76
P/FCF Ratio: 3.53; 10.51
P/OCF Ratio: 2.97; 8.30

Enterprise valuationIndustry

EV / Sales: 0.86; 1.10
EV / EBITDA: 6.31; 9.63
EV / EBIT: 9.21; 14.96
EV / FCF: 6.43; 18.13

Share statisticsIndustry

Shares Outstanding: 12M; 48M
Shares Change (YoY): 0.43%; 0.05%
Shares Change (QoQ): 0.96%; 0.13%
Float: 3M; 28M
Shares Held by Insiders: 75.9%; 13.4%
Shares Held by Institutions: 26.7%; 85.4%

Short sellingIndustry

Short Interest: 444,093; –
Short Interest Change: 0.85%; -0.96%
Short % of Float: 16.0%; 10.6%
Short % of Shares Outstanding: 3.85%; 7.09%
Days to Cover: 3.17; 7.39

Stock price statisticsIndustry

52-Week High: $31.25; –
52-Week Low: $10.81; –
20-Day Moving Average: $25.67; –
50-Day Moving Average: $25.36; –
200-Day Moving Average: $20.06; –
Average True Range (14): $1.54; –
Price Change (1 Week): 2.34%; 2.22%
Price Change (1 Month): -3.00%; -1.43%
Price Change (3 Months): -13.1%; -4.84%
Price Change (6 Months): 48.7%; 4.05%
Price Change (YTD): 69.8%; 19.9%
Price Change (1 Year): 77.7%; 28.9%
Price Change (3 Years): 63.0%; 28.7%
Price Change (5 Years): 3.53%; -0.58%
Price Change (10 Years): 31.2%; -12.8%
Average Volume (10 Days): 182,138; –
Average Volume (20 Days): 163,286; –
Average Volume (90 Days): 146,872; –
Relative Volume: 0.83; 0.75
Relative Strength Index (14): 48.2; 48.2
Volatility (1 Year): 71.1%; 44.9%
Beta (5 Years): 1.27; 0.85

MarginsIndustry

Gross Margin: 31.5%; 36.1%
Operating Margin: 9.35%; 7.67%
Pretax Margin: 4.01%; 4.01%
Profit Margin: 2.71%; 3.55%
EBITDA Margin: 13.6%; 13.6%
FCF Margin: 13.4%; 10.1%

Returns on capitalIndustry

Return on Assets (ROA): 4.16%; 2.94%
Return on Invested Capital (ROIC): 16.0%; 10.5%
Return on Capital Employed (ROCE): 19.2%; 7.95%

Financial positionIndustry

Current Ratio: 2.06; 1.21
Quick Ratio: 1.20; 0.82
Debt / EBITDA: 3.03; 3.61
Debt / FCF: 3.09; 8.61
Net Debt / EBITDA: 2.85; 3.29

GrowthIndustry

Revenue Growth (YoY): 17.9%; 0.96%
Net Income Growth (YoY): 14.6%; -3.39%
EPS Growth (YoY): 14.2%; 4.08%
FCF Growth (YoY): 193.3%; 22.6%
Revenue Growth (3Y CAGR): 4.54%; -1.59%
Revenue Growth (5Y CAGR): 11.7%; 1.85%
EPS Growth (3Y CAGR): -26.2%; 6.59%
EPS Growth (5Y CAGR): -2.79%; 12.3%

EfficiencyIndustry

Asset Turnover: 1.53; 0.73
Inventory Turnover: 5.57; 7.89
Revenue Per Employee: $357.47K; $357.47K
Profits Per Employee: $9.69K; $11.90K
Employee Count: 1,700; 4,400
WACC: 8.41%; 7.97%

Income statement (TTM)Industry

Revenue: $607.70M; $1.62B
Gross Profit: $191.15M; $687.39M
Operating Income: $56.81M; $70.30M
Pretax Income: $24.40M; $79.40M
Net Income: $16.47M; $56.60M
EBITDA: $82.89M; $87.00M
EPS (Diluted): $1.37; $1.37

Balance sheetIndustry

Cash & Short-Term Investments: $15.18M; $106.61M
Total Debt: $251.14M; $934.04M
Net Cash (Debt): -$235.96M; -$315.62M
Net Cash Per Share: -$20.46; -$5.57
Equity (Book Value): -$7.03M; $325.93M
Book Value Per Share: -$0.61; $6.03
Tangible Book Value: -$78.51M; $914.15K
Working Capital: $94.26M; $23.76M

Cash flow (TTM)Industry

Operating Cash Flow: $96.85M; $105.75M
Capital Expenditures: -$15.50M; -$46.30M
Free Cash Flow: $81.34M; $81.34M
FCF Per Share: $7.05; $2.27

Dividends and yieldsIndustry

Earnings Yield: 5.73%; 3.79%
FCF Yield: 28.3%; 5.84%

Taxes and interestIndustry

Income Tax: $7.34M; $11.48M
Effective Tax Rate: 30.1%; 28.0%

Scores and fair valueIndustry

Altman Z-Score: 3.14; 2.16
Piotroski F-Score: 4; 6

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	PMTS	S&P 500	Difference	PMTS per year	S&P 500 per year
1 month	-3.0%	-3.0%	+0.0 pts
3 months	-14.0%	-2.8%	−11.3 pts
Year to date	+69.8%	+11.5%	+58.3 pts
1 year	+87.7%	+13.5%	+74.3 pts
3 years	+76.3%	+77.7%	−1.4 pts	+20.8%	+21.1%
5 years	+3.5%	+72.6%	−69.1 pts	+0.7%	+11.5%
10 years	+28.4%	+308.2%	−279.7 pts	+2.5%	+15.1%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

0M PMTS shares were sold short on Oct 30, 2026, up 0.8% from the previous report, or 16.00% of the shares available to trade. At recent volumes it would take 3.2 days to buy them back. Over the last 20 sessions, 47.6% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	444,093	+0.8%	140,269	3.2
Oct 15, 2026	440,351	+16.4%	127,135	3.5
Sep 30, 2026	378,180	+27.9%	199,822	1.9
Sep 15, 2026	295,622	+6.7%	302,688	1.0
Aug 31, 2026	277,132	+10.2%	90,583	3.1
Aug 14, 2026	251,375	-24.3%	146,384	1.7
Jul 31, 2026	332,050	+9.0%	31,018	10.7
Jul 15, 2026	304,500	+18.7%	36,577	8.3
Jun 30, 2026	256,442	+6.1%	52,510	4.9
Jun 15, 2026	241,718	+11.5%	54,584	4.4
May 29, 2026	216,825	-16.2%	42,805	5.1
May 15, 2026	258,695	-12.6%	48,158	5.4