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CPI Card Group (PMTS) Financials

CPI Card Group logo
$25.32 +0.40 (+1.59%)
As of 04/17/2025 04:00 PM Eastern
This is a fair market value price provided by Polygon.io. Learn more.
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 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
16 37 24 20
Consolidated Net Income / (Loss)
16 37 24 20
Net Income / (Loss) Continuing Operations
16 37 24 20
Total Pre-Tax Income
24 49 34 25
Total Operating Income
59 79 62 63
Total Gross Profit
141 176 155 171
Total Revenue
375 476 445 481
Operating Revenue
375 476 445 481
Total Cost of Revenue
234 300 289 309
Operating Cost of Revenue
234 300 289 309
Total Operating Expenses
82 97 94 108
Selling, General & Admin Expense
76 91 88 103
Depreciation Expense
6.26 5.86 5.64 5.03
Total Other Income / (Expense), net
-36 -30 -27 -38
Interest Expense
5.05 30 27 37
Other Income / (Expense), net
0.01 -0.37 0.03 -0.69
Income Tax Expense
7.88 13 10 5.51
Basic Earnings per Share
$1.42 $3.24 $2.10 $1.75
Weighted Average Basic Shares Outstanding
11.24M 11.29M 11.43M 11.15M
Diluted Earnings per Share
$1.36 $3.11 $2.01 $1.64
Weighted Average Diluted Shares Outstanding
11.76M 11.75M 11.92M 11.88M
Weighted Average Basic & Diluted Shares Outstanding
11.26M 11.39M 11.40M 11.24M

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Net Income / (Loss) Attributable to Common Shareholders
12 12 11 6.52 3.86 5.46 6.00 1.29
Consolidated Net Income / (Loss)
12 12 11 6.52 3.86 5.46 6.00 1.29
Net Income / (Loss) Continuing Operations
12 12 11 6.52 3.86 5.46 6.00 1.29
Total Pre-Tax Income
16 15 14 11 6.19 7.66 8.30 0.82
Total Operating Income
23 23 21 17 13 14 15 18
Total Gross Profit
48 47 43 41 36 42 42 45
Total Revenue
125 126 121 115 106 112 119 125
Operating Revenue
125 126 121 115 106 112 119 125
Total Cost of Revenue
76 79 78 74 70 70 76 80
Operating Cost of Revenue
76 79 78 74 70 70 76 80
Total Operating Expenses
25 25 22 23 23 27 27 27
Selling, General & Admin Expense
23 23 21 22 22 26 26 26
Depreciation Expense
1.59 1.40 1.43 1.45 1.41 1.33 1.25 1.23
Total Other Income / (Expense), net
-7.39 -7.18 -6.90 -6.82 -6.77 -6.49 -6.61 -17
Interest Expense
7.32 -14 6.78 6.74 6.74 6.43 6.53 16
Other Income / (Expense), net
-0.06 0.19 -0.11 -0.08 -0.03 -0.07 -0.08 -0.53
Income Tax Expense
4.15 3.00 2.83 4.15 2.34 2.20 2.30 -0.47
Basic Earnings per Share
$1.06 $1.10 $0.95 $0.57 $0.34 $0.48 $0.54 $0.12
Weighted Average Basic Shares Outstanding
11.27M 11.29M 11.39M 11.43M 11.43M 11.27M 11.05M 11.11M
Diluted Earnings per Share
$1.01 $1.07 $0.91 $0.55 $0.33 $0.46 $0.51 $0.11
Weighted Average Diluted Shares Outstanding
11.79M 11.75M 11.90M 11.88M 11.83M 11.77M 11.78M 11.87M
Weighted Average Basic & Diluted Shares Outstanding
11.39M 11.39M 11.43M 11.43M 11.46M 11.12M 11.08M 11.16M

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 2021 2022 2023 2024
Net Change in Cash & Equivalents
-37 -9.65 1.38 21
Net Cash From Operating Activities
20 31 34 43
Net Cash From Continuing Operating Activities
20 31 34 43
Net Income / (Loss) Continuing Operations
16 37 24 20
Consolidated Net Income / (Loss)
16 37 24 20
Depreciation Expense
15 11 12 13
Amortization Expense
2.37 5.80 5.72 5.17
Non-Cash Adjustments To Reconcile Net Income
6.30 3.95 7.75 17
Changes in Operating Assets and Liabilities, net
-19 -26 -15 -11
Net Cash From Investing Activities
-9.92 -18 -6.22 -9.22
Net Cash From Continuing Investing Activities
-9.92 -18 -6.22 -9.22
Purchase of Property, Plant & Equipment
-10 -18 -6.41 -9.26
Other Investing Activities, net
0.16 0.10 0.18 0.04
Net Cash From Financing Activities
-47 -23 -26 -13
Net Cash From Continuing Financing Activities
-47 -23 -26 -13
Repayment of Debt
-370 -57 -17 -280
Repurchase of Common Equity
- 0.00 -0.25 -8.68
Issuance of Debt
325 35 -5.00 285
Other Financing Activities, net
-2.17 -1.29 -4.24 -9.03
Cash Interest Paid
22 28 26 26
Cash Income Taxes Paid
9.79 13 10 9.76

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024
Net Change in Cash & Equivalents
12 -10 3.12 -2.99 -0.70 4.73
Net Cash From Operating Activities
20 20 8.00 2.32 12 8.87
Net Cash From Continuing Operating Activities
20 20 8.00 2.32 12 8.87
Net Income / (Loss) Continuing Operations
12 12 11 6.52 3.86 5.46
Consolidated Net Income / (Loss)
12 12 11 6.52 3.86 5.46
Depreciation Expense
2.87 3.87 2.84 3.09 3.04 3.05
Amortization Expense
1.45 0.48 1.44 1.43 1.43 1.43
Non-Cash Adjustments To Reconcile Net Income
0.97 0.63 0.66 1.39 2.63 3.06
Changes in Operating Assets and Liabilities, net
2.67 2.17 -7.81 -10 1.00 -4.13
Net Cash From Investing Activities
-6.18 -3.43 -4.10 -2.37 0.57 -1.51
Net Cash From Continuing Investing Activities
-6.18 -3.43 -4.10 -2.37 0.57 -1.51
Purchase of Property, Plant & Equipment
-6.26 -3.43 -4.15 -2.45 0.52 -1.51
Other Investing Activities, net
0.08 - 0.05 0.08 0.06 0.00
Net Cash From Financing Activities
-1.19 -27 -0.79 -2.94 -13 -2.63
Net Cash From Continuing Financing Activities
-1.19 -27 -0.79 -2.94 -13 -2.63
Repayment of Debt
-0.17 -26 -7.97 -7.03 -12 -0.11
Repurchase of Common Equity
- - 0.00 - - -1.25
Issuance of Debt
- - 8.00 5.00 - 0.00
Other Financing Activities, net
-1.02 -0.90 -0.82 -0.92 -0.92 -1.27
Effect of Exchange Rate Changes
-0.03 - - - - 0.00
Cash Interest Paid
13 0.69 13 0.53 12 12
Cash Income Taxes Paid
5.11 1.73 0.03 7.38 2.59 0.02

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 2021 2022 2023 2024
Total Assets
268 297 294 350
Total Current Assets
146 168 165 203
Cash & Equivalents
21 11 12 34
Accounts Receivable
61 81 74 85
Inventories, net
58 68 71 73
Prepaid Expenses
5.52 7.55 8.65 11
Plant, Property, & Equipment, net
0.00 57 63 69
Total Noncurrent Assets
122 72 65 78
Goodwill
47 47 47 47
Intangible Assets
22 18 14 10
Other Noncurrent Operating Assets
6.18 6.78 3.98 20
Total Liabilities & Shareholders' Equity
268 297 294 350
Total Liabilities
389 379 346 385
Total Current Liabilities
65 68 49 76
Accounts Payable
26 24 13 16
Accrued Expenses
37 40 36 58
Current Deferred Revenue
1.18 3.57 0.84 1.49
Total Noncurrent Liabilities
324 311 296 310
Long-Term Debt
304 286 265 280
Noncurrent Deferred & Payable Income Tax Liabilities
5.25 6.81 7.14 3.32
Other Noncurrent Operating Liabilities
16 18 24 26
Commitments & Contingencies
0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
-121 -82 -52 -36
Total Preferred & Common Equity
-121 -82 -52 -36
Preferred Stock
0.00 0.00 0.00 0.00
Total Common Equity
-121 -82 -52 -36
Common Stock
-111 -108 -102 -105
Retained Earnings
-10 26 50 70

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
Total Assets
305 298 300 292 320 321 342
Total Current Assets
177 168 170 161 181 180 199
Cash & Equivalents
22 14 11 10 17 7.48 15
Accounts Receivable
76 76 75 68 69 76 80
Inventories, net
72 70 75 74 83 86 92
Prepaid Expenses
5.08 8.23 8.35 8.75 12 9.93 12
Plant, Property, & Equipment, net
0.00 60 59 63 61 61 64
Total Noncurrent Assets
128 70 71 69 78 81 79
Goodwill
47 47 47 47 47 47 47
Intangible Assets
19 17 16 15 13 12 11
Other Noncurrent Operating Assets
5.01 5.49 7.87 6.39 18 22 21
Total Liabilities & Shareholders' Equity
305 298 300 292 320 321 342
Total Liabilities
399 369 363 349 368 366 385
Total Current Liabilities
64 57 54 46 74 69 75
Accounts Payable
26 26 23 17 24 20 22
Accrued Expenses
34 29 31 28 49 47 52
Current Deferred Revenue
3.92 2.12 0.73 0.79 1.17 1.32 1.47
Total Noncurrent Liabilities
335 311 309 303 294 297 310
Long-Term Debt
310 286 284 273 265 270 280
Noncurrent Deferred & Payable Income Tax Liabilities
6.45 6.54 7.23 7.92 6.74 4.96 5.06
Other Noncurrent Operating Liabilities
19 19 18 23 22 22 25
Commitments & Contingencies
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
Total Preferred & Common Equity
-94 -71 -63 -57 -48 -45 -43
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
-94 -71 -63 -57 -48 -45 -43
Common Stock
-108 -108 -107 -104 -104 -106 -106
Retained Earnings
14 37 44 48 56 62 63

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 2021 2022 2023 2024
Growth Metrics
- - - -
Revenue Growth
20.16% 26.83% -6.56% 8.11%
EBITDA Growth
31.18% 24.22% -16.92% 0.82%
EBIT Growth
55.00% 32.42% -21.77% 0.78%
NOPAT Growth
-17.51% 47.85% -27.14% 14.26%
Net Income Growth
-1.17% 129.22% -34.36% -18.61%
EPS Growth
-5.56% 128.68% -35.37% -18.41%
Operating Cash Flow Growth
-8.11% 54.91% 8.63% 27.24%
Free Cash Flow Firm Growth
-54.88% 49.69% 22.15% 10.86%
Invested Capital Growth
14.78% 18.83% 4.28% 5.28%
Revenue Q/Q Growth
2.48% 7.51% -5.03% 0.00%
EBITDA Q/Q Growth
-12.87% 17.07% -13.37% 0.00%
EBIT Q/Q Growth
-14.40% 20.80% -16.77% 0.00%
NOPAT Q/Q Growth
-20.68% 28.38% -20.60% 0.00%
Net Income Q/Q Growth
-29.32% 47.72% -28.89% 0.00%
EPS Q/Q Growth
-30.26% 48.10% -29.72% 0.00%
Operating Cash Flow Q/Q Growth
-23.23% 79.81% -18.74% 0.00%
Free Cash Flow Firm Q/Q Growth
-37.57% 149.41% -19.17% 0.00%
Invested Capital Q/Q Growth
1.29% -0.99% -2.35% 0.00%
Profitability Metrics
- - - -
Gross Margin
37.70% 36.95% 34.98% 35.63%
EBITDA Margin
20.51% 20.09% 17.86% 16.66%
Operating Margin
15.85% 16.63% 13.85% 13.07%
EBIT Margin
15.86% 16.56% 13.86% 12.92%
Profit (Net Income) Margin
4.25% 7.68% 5.40% 4.06%
Tax Burden Percent
66.92% 74.35% 69.60% 78.00%
Interest Burden Percent
40.05% 62.40% 55.93% 40.30%
Effective Tax Rate
33.08% 25.65% 30.40% 22.00%
Return on Invested Capital (ROIC)
26.27% 33.21% 21.81% 23.78%
ROIC Less NNEP Spread (ROIC-NNEP)
17.78% 25.21% 14.65% 11.99%
Return on Net Nonoperating Assets (RNNOA)
-38.57% -69.19% -57.61% -68.37%
Return on Equity (ROE)
-12.31% -35.98% -35.80% -44.59%
Cash Return on Invested Capital (CROIC)
12.50% 16.00% 17.62% 18.64%
Operating Return on Assets (OROA)
22.26% 27.89% 20.88% 19.31%
Return on Assets (ROA)
5.97% 12.94% 8.13% 6.07%
Return on Common Equity (ROCE)
-12.31% -35.98% -35.80% -44.59%
Return on Equity Simple (ROE_SIMPLE)
-13.17% -44.52% -46.18% -54.80%
Net Operating Profit after Tax (NOPAT)
40 59 43 49
NOPAT Margin
10.61% 12.37% 9.64% 10.19%
Net Nonoperating Expense Percent (NNEP)
8.49% 8.00% 7.16% 11.80%
Return On Investment Capital (ROIC_SIMPLE)
- - 20.12% 20.01%
Cost of Revenue to Revenue
62.30% 63.05% 65.02% 64.37%
SG&A Expenses to Revenue
20.18% 19.08% 19.85% 21.51%
R&D to Revenue
0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
21.85% 20.31% 21.12% 22.56%
Earnings before Interest and Taxes (EBIT)
59 79 62 62
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
77 96 79 80
Valuation Ratios
- - - -
Price to Book Value (P/BV)
0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)
0.00 0.00 0.00 0.00
Price to Earnings (P/E)
0.00 0.00 0.00 0.00
Dividend Yield
0.00% 0.00% 0.00% 0.00%
Earnings Yield
0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)
0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)
0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00
Leverage & Solvency
- - - -
Debt to Equity
-2.51 -3.48 -5.10 -7.87
Long-Term Debt to Equity
-2.51 -3.48 -5.10 -7.87
Financial Leverage
-2.17 -2.74 -3.93 -5.70
Leverage Ratio
-2.06 -2.78 -4.41 -7.35
Compound Leverage Factor
-0.83 -1.74 -2.46 -2.96
Debt to Total Capital
166.27% 140.34% 124.38% 114.55%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
166.27% 140.34% 124.38% 114.55%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
-66.27% -40.34% -24.38% -14.55%
Debt to EBITDA
3.95 2.99 3.34 3.50
Net Debt to EBITDA
3.68 2.87 3.18 3.08
Long-Term Debt to EBITDA
3.95 2.99 3.34 3.50
Debt to NOPAT
7.63 4.85 6.18 5.73
Net Debt to NOPAT
7.11 4.67 5.89 5.04
Long-Term Debt to NOPAT
7.63 4.85 6.18 5.73
Altman Z-Score
0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - -
Current Ratio
2.25 2.46 3.34 2.69
Quick Ratio
1.26 1.35 1.74 1.57
Cash Flow Metrics
- - - -
Free Cash Flow to Firm (FCFF)
19 28 35 38
Operating Cash Flow to CapEx
200.80% 175.38% 531.48% 467.89%
Free Cash Flow to Firm to Interest Expense
3.75 0.96 1.28 1.04
Operating Cash Flow to Interest Expense
4.01 1.06 1.25 1.17
Operating Cash Flow Less CapEx to Interest Expense
2.01 0.45 1.02 0.92
Efficiency Ratios
- - - -
Asset Turnover
1.40 1.68 1.51 1.49
Accounts Receivable Turnover
6.49 6.72 5.76 6.04
Inventory Turnover
5.64 4.75 4.16 4.32
Fixed Asset Turnover
0.00 0.00 7.39 7.30
Accounts Payable Turnover
10.31 11.81 15.55 21.39
Days Sales Outstanding (DSO)
56.21 54.29 63.35 60.46
Days Inventory Outstanding (DIO)
64.67 76.90 87.75 84.50
Days Payable Outstanding (DPO)
35.40 30.91 23.47 17.06
Cash Conversion Cycle (CCC)
85.48 100.28 127.63 127.90
Capital & Investment Metrics
- - - -
Invested Capital
162 192 201 211
Invested Capital Turnover
2.48 2.69 2.26 2.33
Increase / (Decrease) in Invested Capital
21 30 8.24 11
Enterprise Value (EV)
0.00 0.00 0.00 0.00
Market Capitalization
0.00 0.00 0.00 0.00
Book Value per Share
($10.75) ($7.21) ($4.53) ($3.19)
Tangible Book Value per Share
($16.88) ($12.93) ($9.88) ($8.36)
Total Capital
183 203 213 245
Total Debt
304 286 265 280
Total Long-Term Debt
304 286 265 280
Net Debt
283 274 253 247
Capital Expenditures (CapEx)
10 18 6.41 9.26
Debt-free, Cash-free Net Working Capital (DFCFNWC)
60 89 104 94
Debt-free Net Working Capital (DFNWC)
81 100 116 127
Net Working Capital (NWC)
81 100 116 127
Net Nonoperating Expense (NNE)
24 22 19 29
Net Nonoperating Obligations (NNO)
283 274 253 247
Total Depreciation and Amortization (D&A)
17 17 18 18
Debt-free, Cash-free Net Working Capital to Revenue
16.06% 18.61% 23.29% 19.54%
Debt-free Net Working Capital to Revenue
21.57% 20.93% 26.08% 26.52%
Net Working Capital to Revenue
21.57% 20.93% 26.08% 26.52%
Earnings Adjustments
- - - -
Adjusted Basic Earnings per Share
$1.42 $3.24 $2.10 $1.75
Adjusted Weighted Average Basic Shares Outstanding
11.24M 11.29M 11.43M 11.15M
Adjusted Diluted Earnings per Share
$1.36 $3.11 $2.01 $1.64
Adjusted Weighted Average Diluted Shares Outstanding
11.76M 11.75M 11.92M 11.88M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
11.26M 11.39M 11.40M 11.24M
Normalized Net Operating Profit after Tax (NOPAT)
40 59 43 49
Normalized NOPAT Margin
10.61% 12.37% 9.64% 10.19%
Pre Tax Income Margin
6.35% 10.33% 7.75% 5.21%
Debt Service Ratios
- - - -
EBIT to Interest Expense
11.78 2.66 2.27 1.68
NOPAT to Interest Expense
7.88 1.99 1.58 1.32
EBIT Less CapEx to Interest Expense
9.79 2.06 2.03 1.43
NOPAT Less CapEx to Interest Expense
5.89 1.38 1.34 1.07
Payout Ratios
- - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
0.00% 0.00% 1.04% 44.45%

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Growth Metrics
- - - - - - - -
Revenue Growth
25.07% 35.65% 8.46% 1.46% -15.02% -7.38% 3.36% 17.84%
EBITDA Growth
33.48% 106.38% 14.21% 14.91% -37.19% -25.06% -26.68% 6.27%
EBIT Growth
40.05% 148.30% 16.49% 15.79% -44.69% -31.26% -14.83% 33.49%
NOPAT Growth
49.47% 426.14% 47.20% -8.88% -53.58% -38.33% 0.83% 248.15%
Net Income Growth
79.75% 1,753.94% 81.16% 6.05% -67.62% -49.83% -8.00% -66.48%
EPS Growth
80.36% 1,683.33% 78.43% 5.77% -67.33% -49.45% -7.27% -66.67%
Operating Cash Flow Growth
341.30% 243.42% 150.13% -70.29% -39.86% 10.80% 0.00% 0.00%
Free Cash Flow Firm Growth
-108.29% 29.69% 117.18% 84.98% 81.95% 232.28% 158.62% 452.58%
Invested Capital Growth
21.56% 18.83% 6.85% 8.55% 5.74% -0.68% 3.49% 8.39%
Revenue Q/Q Growth
9.95% 1.49% -4.42% -4.88% -7.91% 0.00% 6.15% 4.99%
EBITDA Q/Q Growth
45.10% -1.86% -8.92% -11.40% -20.69% 0.00% -13.32% 14.95%
EBIT Q/Q Growth
55.48% -2.34% -10.30% -14.99% -25.73% 0.00% 5.33% 16.40%
NOPAT Q/Q Growth
48.21% 5.03% -10.50% -34.60% -24.50% 0.00% 6.93% 160.70%
Net Income Q/Q Growth
93.63% 4.76% -12.86% -40.01% -40.87% 0.00% 10.01% -78.45%
EPS Q/Q Growth
94.23% 5.94% -14.95% -39.56% -40.00% 0.00% 10.87% -78.43%
Operating Cash Flow Q/Q Growth
154.20% -1.20% -59.23% -70.99% 414.61% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth
56.28% 28.40% 128.18% -270.31% 47.47% 0.00% -69.96% 215.98%
Invested Capital Q/Q Growth
0.31% -0.99% 4.51% 4.57% -2.28% 0.00% 8.96% 2.34%
Profitability Metrics
- - - - - - - -
Gross Margin
38.88% 37.57% 35.66% 35.51% 34.15% 37.09% 35.67% 35.83%
EBITDA Margin
22.24% 21.50% 20.49% 19.08% 16.44% 16.58% 13.54% 14.82%
Operating Margin
18.82% 17.91% 17.04% 15.22% 12.24% 12.64% 12.55% 14.27%
EBIT Margin
18.77% 18.06% 16.95% 15.15% 12.22% 12.58% 12.48% 13.84%
Profit (Net Income) Margin
9.56% 9.87% 9.00% 5.67% 3.64% 4.87% 5.05% 1.04%
Tax Burden Percent
74.16% 80.63% 79.35% 61.11% 62.27% 71.26% 72.29% 157.88%
Interest Burden Percent
68.68% 67.77% 66.90% 61.30% 47.89% 54.37% 55.97% 4.74%
Effective Tax Rate
25.84% 19.37% 20.65% 38.89% 37.73% 28.74% 27.71% -57.88%
Return on Invested Capital (ROIC)
34.88% 38.79% 33.71% 22.41% 17.85% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)
32.96% 36.71% 31.80% 20.96% 16.32% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)
-86.80% -100.76% -98.80% -70.78% -59.55% 0.00% 0.00% 0.00%
Return on Equity (ROE)
-51.93% -61.97% -65.09% -48.37% -41.69% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)
6.42% 16.00% 26.11% 22.95% 21.43% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)
29.81% 30.43% 28.17% 25.01% 19.15% 0.00% 0.00% 0.00%
Return on Assets (ROA)
15.18% 16.62% 14.95% 9.37% 5.71% 0.00% 0.00% 0.00%
Return on Common Equity (ROCE)
-51.93% -61.97% -65.09% -48.37% -41.69% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)
-26.24% 0.00% -58.55% -66.35% -59.47% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)
17 18 16 11 8.07 10 11 28
NOPAT Margin
13.96% 14.44% 13.52% 9.30% 7.62% 9.01% 9.07% 22.52%
Net Nonoperating Expense Percent (NNEP)
1.92% 2.08% 1.91% 1.45% 1.53% 1.78% 1.78% 10.16%
Cost of Revenue to Revenue
61.12% 62.43% 64.34% 64.49% 65.85% 62.91% 64.33% 64.17%
SG&A Expenses to Revenue
18.79% 18.54% 17.43% 19.04% 20.58% 23.27% 22.07% 20.58%
R&D to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
20.06% 19.65% 18.61% 20.30% 21.91% 24.45% 23.13% 21.56%
Earnings before Interest and Taxes (EBIT)
23 23 20 17 13 14 15 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
28 27 25 22 17 19 16 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
Price to Tangible Book Value (P/TBV)
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
Price to Earnings (P/E)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield
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%
Enterprise Value to Invested Capital (EV/IC)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency
- - - - - - - -
Debt to Equity
-3.29 -3.48 -4.04 -4.52 -4.81 -5.48 -6.05 -6.55
Long-Term Debt to Equity
-3.29 -3.48 -4.04 -4.52 -4.81 -5.48 -6.05 -6.55
Financial Leverage
-2.63 -2.74 -3.11 -3.38 -3.65 -4.36 -4.98 -5.30
Leverage Ratio
-2.57 -2.78 -3.16 -3.47 -3.96 -5.19 -5.78 -6.38
Compound Leverage Factor
-1.77 -1.88 -2.11 -2.13 -1.89 -2.82 -3.24 -0.30
Debt to Total Capital
143.67% 140.34% 132.86% 128.44% 126.27% 122.34% 119.79% 118.03%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
143.67% 140.34% 132.86% 128.44% 126.27% 122.34% 119.79% 118.03%
Preferred Equity to Total Capital
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%
Common Equity to Total Capital
-43.67% -40.34% -32.86% -28.44% -26.27% -22.34% -19.79% -18.03%
Debt to EBITDA
3.80 2.97 2.88 2.79 2.98 0.00 0.00 0.00
Net Debt to EBITDA
3.53 2.86 2.74 2.68 2.86 0.00 0.00 0.00
Long-Term Debt to EBITDA
3.80 2.97 2.88 2.79 2.98 0.00 0.00 0.00
Debt to NOPAT
6.77 4.85 4.49 4.52 5.05 0.00 0.00 0.00
Net Debt to NOPAT
6.30 4.67 4.27 4.34 4.86 0.00 0.00 0.00
Long-Term Debt to NOPAT
6.77 4.85 4.49 4.52 5.05 0.00 0.00 0.00
Altman Z-Score
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - -
Current Ratio
2.76 2.46 2.93 3.16 3.53 2.44 2.61 2.65
Quick Ratio
1.52 1.35 1.57 1.61 1.71 1.16 1.22 1.25
Cash Flow Metrics
- - - - - - - -
Free Cash Flow to Firm (FCFF)
-17 -12 3.44 -5.87 -3.08 11 3.44 11
Operating Cash Flow to CapEx
317.22% 572.60% 193.03% 94.77% 0.00% 588.65% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
-2.33 0.00 0.51 -0.87 -0.46 1.78 0.53 0.66
Operating Cash Flow to Interest Expense
2.71 0.00 1.18 0.34 1.77 1.38 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense
1.86 0.00 0.57 -0.02 1.85 1.15 0.00 0.00
Efficiency Ratios
- - - - - - - -
Asset Turnover
1.59 1.68 1.66 1.65 1.57 0.00 0.00 0.00
Accounts Receivable Turnover
6.27 6.72 6.58 6.56 6.53 0.00 0.00 0.00
Inventory Turnover
4.78 4.75 4.36 4.06 4.11 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
12.73 11.81 10.86 11.95 14.12 0.00 0.00 0.00
Days Sales Outstanding (DSO)
58.23 54.29 55.45 55.65 55.87 0.00 0.00 0.00
Days Inventory Outstanding (DIO)
76.44 76.90 83.75 89.80 88.84 0.00 0.00 0.00
Days Payable Outstanding (DPO)
28.66 30.91 33.62 30.55 25.86 0.00 0.00 0.00
Cash Conversion Cycle (CCC)
106.01 100.28 105.57 114.90 118.85 0.00 0.00 0.00
Capital & Investment Metrics
- - - - - - - -
Invested Capital
194 192 201 210 205 200 218 223
Invested Capital Turnover
2.50 2.69 2.49 2.41 2.34 0.00 0.00 0.00
Increase / (Decrease) in Invested Capital
34 30 13 17 11 -1.36 7.34 17
Enterprise Value (EV)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Market Capitalization
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book Value per Share
($8.37) ($7.21) ($6.21) ($5.51) ($4.96) ($4.25) ($4.01) ($3.86)
Tangible Book Value per Share
($14.24) ($12.93) ($11.84) ($11.04) ($10.41) ($9.54) ($9.35) ($9.15)
Total Capital
216 203 215 221 216 217 225 237
Total Debt
310 286 286 284 273 265 270 280
Total Long-Term Debt
310 286 286 284 273 265 270 280
Net Debt
289 274 272 273 262 248 262 266
Capital Expenditures (CapEx)
6.26 3.43 4.15 2.45 -0.52 1.51 0.00 0.00
Debt-free, Cash-free Net Working Capital (DFCFNWC)
91 89 97 105 105 90 103 109
Debt-free Net Working Capital (DFNWC)
113 100 111 116 115 107 111 124
Net Working Capital (NWC)
113 100 111 116 115 107 111 124
Net Nonoperating Expense (NNE)
5.48 5.78 5.47 4.17 4.21 4.62 4.78 27
Net Nonoperating Obligations (NNO)
289 274 272 273 262 248 262 266
Total Depreciation and Amortization (D&A)
4.32 4.35 4.28 4.52 4.47 4.48 1.25 1.23
Debt-free, Cash-free Net Working Capital to Revenue
20.60% 18.61% 19.93% 21.59% 22.38% 0.00% 0.00% 0.00%
Debt-free Net Working Capital to Revenue
25.46% 20.93% 22.85% 23.88% 24.61% 0.00% 0.00% 0.00%
Net Working Capital to Revenue
25.46% 20.93% 22.85% 23.88% 24.61% 0.00% 0.00% 0.00%
Earnings Adjustments
- - - - - - - -
Adjusted Basic Earnings per Share
$1.06 $1.10 $0.95 $0.57 $0.34 $0.48 $0.54 $0.12
Adjusted Weighted Average Basic Shares Outstanding
11.27M 11.29M 11.39M 11.43M 11.43M 11.27M 11.05M 11.11M
Adjusted Diluted Earnings per Share
$1.01 $1.07 $0.91 $0.55 $0.33 $0.46 $0.51 $0.11
Adjusted Weighted Average Diluted Shares Outstanding
11.79M 11.75M 11.90M 11.88M 11.83M 11.77M 11.78M 11.87M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
11.39M 11.39M 11.43M 11.43M 11.46M 11.12M 11.08M 11.16M
Normalized Net Operating Profit after Tax (NOPAT)
17 18 16 11 8.07 10 11 12
Normalized NOPAT Margin
13.96% 14.44% 13.52% 9.30% 7.62% 9.01% 9.07% 9.99%
Pre Tax Income Margin
12.89% 12.24% 11.34% 9.29% 5.85% 6.84% 6.99% 0.66%
Debt Service Ratios
- - - - - - - -
EBIT to Interest Expense
3.19 0.00 3.02 2.58 1.92 2.19 2.27 1.05
NOPAT to Interest Expense
2.37 0.00 2.41 1.59 1.20 1.57 1.65 1.71
EBIT Less CapEx to Interest Expense
2.34 0.00 2.41 2.22 2.00 1.96 0.00 0.00
NOPAT Less CapEx to Interest Expense
1.52 0.00 1.80 1.22 1.27 1.33 0.00 0.00
Payout Ratios
- - - - - - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Frequently Asked Questions About CPI Card Group's Financials

When does CPI Card Group's fiscal year end?

According to the most recent income statement we have on file, CPI Card Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has CPI Card Group's net income changed over the last 3 years?

CPI Card Group's net income were at $19.52 million at the end of 2024, a 18.6% decrease from 2023, and a 22.5% increase since 2021.

What is CPI Card Group's operating income?
CPI Card Group's total operating income in 2024 was $62.79 million, based on the following breakdown:
  • Total Gross Profit: $171.22 million
  • Total Operating Expenses: $108.43 million
How has CPI Card Group revenue changed over the last 3 years?

Over the last 3 years, CPI Card Group's total revenue changed from $375.12 million in 2021 to $480.60 million in 2024, a change of 28.1%.

How much debt does CPI Card Group have?

CPI Card Group's total liabilities were at $385.28 million at the end of 2024, a 11.5% increase from 2023, and a 1.0% decrease since 2021.

How much cash does CPI Card Group have?

In the past 3 years, CPI Card Group's cash and equivalents has ranged from $11.04 million in 2022 to $33.54 million in 2024, and is currently $33.54 million as of their latest financial filing in 2024.

How has CPI Card Group's book value per share changed over the last 3 years?

Over the last 3 years, CPI Card Group's book value per share changed from -10.75 in 2021 to -3.19 in 2024, a change of -70.3%.



This page (NASDAQ:PMTS) was last updated on 4/20/2025 by MarketBeat.com Staff
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