-4.74%
-3.75%
33.81%
-1.91%
57.64%
102.75%
3408.54%
AI Spotlight on PMTS
Company Description
CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards.It operates through Debit and Credit, and Prepaid Debit segments.The Debit and Credit segment produces financial payment cards and provides integrated card services to card-issuing banks.
Its products include Europay, Mastercard, And Visa (EMV) and non-EMV financial payment cards and metal cards, as well as private label credit cards.This segment also provides on-demand services and various integrated card services, including card personalization and fulfillment, and instant issuance services.The Prepaid Debit segment primarily offers integrated card services comprising tamper-evident security packaging services to prepaid debit card providers.
It also produces financial payment cards issued on the networks of the payment card brands.It serves issuers of debit and credit cards, Prepaid Debit Card program managers, community banks, credit unions, group service providers, and card transaction processors in the United States.The company was formerly known as CPI Holdings I, Inc.
and changed its name to CPI Card Group Inc.in August 2015.CPI Card Group Inc.
was incorporated in 2007 and is based in Littleton, Colorado.
Market Data
| Last Price | 28.77 |
| Change Percentage | -4.74% |
| Open | 30.2 |
| Previous Close | 30.2 |
| Market Cap ( Millions) | 321 |
| Volume | 42227 |
| Year High | 35.19 |
| Year Low | 15 |
| M A 50 | 30.99 |
| M A 200 | 26.68 |
Financial Ratios
| FCF Yield | 7.44% |
| Dividend Yield | 0.00% |
| ROE | -32.98% |
| Debt / Equity | -674.10% |
| Net Debt / EBIDTA | 390.51% |
| Price To Book | -7.47 |
| Price Earnings Ratio | 20.64 |
| Price To FCF | 13.43 |
| Price To sales | 0.7 |
| EV / EBITDA | 8.48 |
News
- Nov -05 - CPI Card Group Inc. (PMTS) Q3 2024 Earnings Call Transcript
- Nov -05 - Why CPI Card Group Stock Popped 12% Today
- Nov -05 - CPI Card Group Inc. (PMTS) Tops Q3 Earnings and Revenue Estimates
- Nov -05 - CORRECTING and REPLACING CPI Card Group Inc. Reports Third Quarter 2024 Results
- Oct -23 - CPI Card Group Inc. to Release Third Quarter Results on November 5, 2024
- Oct -16 - The Time is Now: CPI is Ready to Deploy Revolutionary New Chip Technology
- Oct -01 - CPI Card Group: Selling Pressure Doesn't Weaken Fundamentals
- Oct -01 - Why CPI Card Group Stock Crashed 15% Today
- Oct -01 - CPI Card Group Inc. Announces Pricing of Secondary Public Offering of Common Stock
- Sep -30 - CPI Card Group Inc. Announces Proposed Secondary Public Offering of 1,000,000 Shares of Common Stock by Majority Stockholder
- Sep -06 - New Strong Sell Stocks for September 6th
- Sep -04 - New Strong Sell Stocks for September 4th
- Aug -06 - CPI Card Group Inc. (PMTS) Q2 2024 Earnings Call Transcript
- Aug -05 - CPI Card Group Inc. (PMTS) Lags Q2 Earnings Estimates
- Jun -27 - CPI Card Group's Valuation Gap Is Closing Ahead Of Growth Recovery
- Jun -26 - CPI Card Group Inc. Announces Pricing of Private Offering of $285 Million of Senior Secured Notes
- Jun -24 - CPI Card Group Inc. Announces Proposed Private Offering of $285 Million of Senior Secured Notes
- Jun -14 - Here's Why Momentum in CPI Card Group (PMTS) Should Keep going
- May -17 - CPI Card Group Inc. (PMTS) Now Trades Above Golden Cross: Time to Buy?
- May -09 - How Much Upside is Left in CPI Card Group (PMTS)? Wall Street Analysts Think 37.18%
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Debit and Credit
Expected Growth : 3.5 %
What the company do ?
CPI Card Group Inc.'s Debit and Credit refer to payment card types: Debit cards deduct funds from a user's account, while Credit cards borrow funds from the issuer.
Why we expect these perspectives ?
CPI Card Group Inc.'s 3.5% growth in Debit and Credit is driven by increasing adoption of contactless payments, rising e-commerce transactions, and growing demand for digital payment solutions. Additionally, the company's focus on innovation, strategic partnerships, and expansion into new markets also contribute to its growth momentum.
Segment n°2 -> Prepaid Debit
Expected Growth : 3.8 %
What the company do ?
Prepaid Debit from CPI Card Group Inc. is a reloadable debit card that allows users to load funds and make purchases without a traditional bank account.
Why we expect these perspectives ?
The 3.8% growth of Prepaid Debit from CPI Card Group Inc. is driven by increasing adoption of cashless transactions, government benefits disbursement, and payroll cards. Additionally, the growing gig economy and demand for alternative banking solutions also contribute to this growth.
Segment n°3 -> Intersegment Eliminations
Expected Growth : 0.0 %
What the company do ?
Intersegment Eliminations from CPI Card Group Inc. refers to the removal of transactions between subsidiaries to present a consolidated financial picture, eliminating internal sales and profits.
Why we expect these perspectives ?
CPI Card Group Inc.'s Intersegment Eliminations with 0.0% growth is driven by neutralized intercompany transactions, indicating no significant impact from internal sales or purchases. This suggests a stable organizational structure, with no material changes in business segments or internal operations.
Cpi Card Group Inc. Products
| Product Range | What is it ? |
|---|---|
| Financial Payment Cards | CPI Card Group Inc. offers a range of financial payment cards, including credit, debit, and prepaid cards, that enable secure and convenient transactions for consumers and businesses. |
| Loyalty and Gift Cards | CPI Card Group Inc. provides loyalty and gift cards that help businesses incentivize customer loyalty and drive sales. |
| EMV and Dual-Interface Cards | CPI Card Group Inc. offers EMV and dual-interface cards that provide enhanced security and contactless payment capabilities. |
| Instant Issuance Solutions | CPI Card Group Inc. provides instant issuance solutions that enable financial institutions to issue cards on-demand, reducing wait times and improving customer satisfaction. |
| Personalization and Fulfillment Services | CPI Card Group Inc. offers personalization and fulfillment services that enable the customization and distribution of cards and other materials. |
| Digital Payment Solutions | CPI Card Group Inc. provides digital payment solutions that enable secure, tokenized transactions and digital wallet integration. |
CPI Card Group Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for CPI Card Group Inc. is medium due to the presence of alternative payment methods such as digital wallets and cryptocurrencies.
Bargaining Power Of Customers
The bargaining power of customers for CPI Card Group Inc. is low due to the company's strong brand recognition and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers for CPI Card Group Inc. is medium due to the presence of multiple suppliers in the market, but the company's large scale of operations gives it some negotiating power.
Threat Of New Entrants
The threat of new entrants for CPI Card Group Inc. is high due to the relatively low barriers to entry in the payment processing industry and the increasing trend of fintech startups.
Intensity Of Rivalry
The intensity of rivalry for CPI Card Group Inc. is high due to the presence of several established players in the payment processing industry, leading to intense competition for market share.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 123.57% |
| Debt Cost | 8.98% |
| Equity Weight | -23.57% |
| Equity Cost | 8.98% |
| WACC | 8.98% |
| Leverage | -524.33% |
CPI Card Group Inc. : Quality Control
CPI Card Group Inc. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NICK | Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and … |
| LC | LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The … |
| NRDS | NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance … |
| MCVT | Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, … |
| ATLC | Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Atlanticus
A-Score
1-Year Total Return ->
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LendingClub
A-Score
1-Year Total Return ->
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CPI Card Group
A-Score
1-Year Total Return ->
4
Nicholas Financial
A-Score
1-Year Total Return ->
5
NerdWallet
A-Score
1-Year Total Return ->
6
