CPI Card Group Inc. (PMTS) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does CPI Card Group Inc. Do?
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. CPI Card Group Inc. (PMTS) is classified as a micro-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Scott T. Scheirman and employs approximately 1,150 people, headquartered in LITTLETON, Colorado. With a market capitalization of $173M, PMTS is one of the notable companies in the Industrials sector.
CPI Card Group Inc. (PMTS) Stock Rating — Reduce (April 2026)
As of April 2026, CPI Card Group Inc. receives a Reduce rating with a composite score of 41.3/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.PMTS ranks #2,445 out of 4,446 stocks in our coverage universe. Within the Industrials sector, CPI Card Group Inc. ranks #398 of 752 stocks, placing it in the lower half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
PMTS Stock Price and 52-Week Range
CPI Card Group Inc. (PMTS) currently trades at $17.04. The 52-week high for PMTS is $30.60, which means the stock is currently trading -44.3% from its annual peak. The 52-week low is $10.81, putting the stock 57.6% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.
Is PMTS Overvalued or Undervalued? — Valuation Analysis
CPI Card Group Inc. (PMTS) carries a value factor score of 74/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 21.04x, compared to the Industrials sector average of 28.33x — a discount of 26%. The price-to-sales ratio is 0.36x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, PMTS trades at 7.95x EV/EBITDA, versus 5.70x for the sector.
Based on these multiples, CPI Card Group Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
CPI Card Group Inc. Profitability — ROE, Margins, and Quality Score
CPI Card Group Inc. (PMTS) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is -70.9%, compared to the Industrials sector average of 8.9%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 2.2% versus the sector average of 3.3%.
On a margin basis, CPI Card Group Inc. reports gross margins of 32.4%, compared to 35.8% for the sector. The operating margin is 10.6% (sector: 6.2%). Net profit margin stands at 1.8%, versus 3.9% for the average Industrials stock. Revenue growth is running at 16.1% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
PMTS Debt, Balance Sheet, and Financial Health
CPI Card Group Inc. has a debt-to-equity ratio of -1202.0%, compared to the Industrials sector average of 70.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 2.44x, indicating strong short-term liquidity. Total debt on the balance sheet is $287M. Cash and equivalents stand at $16M.
PMTS has a beta of 1.25, meaning it is more volatile than the broader market — a $10,000 investment in PMTS would be expected to move 25.2% more than the S&P 500 on any given day. The stability factor score for CPI Card Group Inc. is 25/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.
CPI Card Group Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, CPI Card Group Inc. reported revenue of $515M and earnings per share (EPS) of $1.32. Net income for the quarter was $9M. Gross margin was 32.4%. Operating income came in at $54M.
In FY 2025, CPI Card Group Inc. reported revenue of $544M and earnings per share (EPS) of $1.32. Net income for the quarter was $15M. Gross margin was 31.3%. Revenue grew 13.1% year-over-year compared to FY 2024. Operating income came in at $55M.
In Q3 2025, CPI Card Group Inc. reported revenue of $138M and earnings per share (EPS) of $0.20. Net income for the quarter was $2M. Gross margin was 29.7%. Revenue grew 10.6% year-over-year compared to Q3 2024. Operating income came in at $13M.
In Q2 2025, CPI Card Group Inc. reported revenue of $130M and earnings per share (EPS) of $0.05. Net income for the quarter was $518,000. Gross margin was 30.9%. Revenue grew 9.2% year-over-year compared to Q2 2024. Operating income came in at $9M.
Over the past 8 quarters, CPI Card Group Inc. has demonstrated a growth trajectory, with revenue expanding from $119M to $515M. Investors analyzing PMTS stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
PMTS Dividend Yield and Income Analysis
CPI Card Group Inc. (PMTS) does not currently pay a dividend. This is common among smaller companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.
PMTS Momentum and Technical Analysis Profile
CPI Card Group Inc. (PMTS) has a momentum factor score of 30/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 24/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
PMTS vs Competitors — Industrials Sector Ranking and Peer Comparison
Within the Industrials sector, CPI Card Group Inc. (PMTS) ranks #398 out of 752 stocks based on the Blank Capital composite score. This places PMTS in the lower half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.
Comparing PMTS against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PMTS vs S&P 500 (SPY) comparison to assess how CPI Card Group Inc. stacks up against the broader market across all factor dimensions.
PMTS Next Earnings Date
No upcoming earnings date has been announced for CPI Card Group Inc. (PMTS) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy PMTS? — Investment Thesis Summary
The quantitative profile for CPI Card Group Inc. suggests caution. The value score of 74/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 30/100, a headwind for near-term performance. High volatility (stability score 25/100) increases portfolio risk.
In summary, CPI Card Group Inc. (PMTS) earns a Reduce rating with a composite score of 41.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PMTS stock.
Related Resources for PMTS Investors
Explore more research and tools: PMTS vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PMTS head-to-head with peers: PMTS vs SOBO, PMTS vs TEN, PMTS vs GLDD.