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Upturn AI SWOT - About
PMTS 
CPI Card Group Inc (PMTS)
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Upturn Advisory Summary
09/17/2025: PMTS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34
1 Year Target Price $34
| 4 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.94% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 167.34M USD | Price to earnings Ratio 13.3 | 1Y Target Price 34 |
Price to earnings Ratio 13.3 | 1Y Target Price 34 | ||
Volume (30-day avg) 4 | Beta 1.45 | 52 Weeks Range 12.52 - 35.19 | Updated Date 09/17/2025 |
52 Weeks Range 12.52 - 35.19 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.66% | Operating Margin (TTM) 7.26% |
Management Effectiveness
Return on Assets (TTM) 10.32% | Return on Equity (TTM) - |
Valuation
Trailing PE 13.3 | Forward PE 3.56 | Enterprise Value 472756536 | Price to Sales(TTM) 0.33 |
Enterprise Value 472756536 | Price to Sales(TTM) 0.33 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA 6.27 | Shares Outstanding 11337400 | Shares Floating 6187935 |
Shares Outstanding 11337400 | Shares Floating 6187935 | ||
Percent Insiders 2.64 | Percent Institutions 76.29 |
Upturn AI SWOT
CPI Card Group Inc
Company Overview
History and Background
CPI Card Group Inc. was founded in 1984. It has grown through acquisitions and organic expansion, establishing itself as a leading provider of payment card solutions and related services.
Core Business Areas
- Debit and Credit Cards: Manufactures EMV chip cards, dual interface cards, magnetic stripe cards, and contactless cards for financial institutions.
- Prepaid Cards: Provides prepaid card solutions for various applications, including gift cards, incentive cards, and government benefit cards.
- Card Personalization and Fulfillment: Offers card personalization, mailing, and fulfillment services.
Leadership and Structure
The company has a Board of Directors and an executive management team led by a CEO. The organizational structure is functional, with departments for sales, marketing, operations, finance, and technology.
Top Products and Market Share
Key Offerings
- EMV Chip Cards: EMV chip cards for debit and credit, offering enhanced security. Market share data is difficult to pinpoint precisely, but CPI is a significant player in North America. Competitors include Giesecke+Devrient, Thales (Gemalto).
- Dual Interface Cards: Cards that support both contact and contactless payments. This aligns with market transition for faster transaction. Competitors include Giesecke+Devrient, Thales (Gemalto).
- Card Personalization Services: Provision for card customization and branding. Competitors include CompoSecure, Valid.
Market Dynamics
Industry Overview
The payment card industry is evolving with increasing adoption of contactless payments, mobile wallets, and digital payment solutions. Security and fraud prevention are key concerns.
Positioning
CPI Card Group Inc. is positioned as a leading provider of secure payment card solutions, catering to financial institutions and other organizations. Competitive advantages include its comprehensive product portfolio and established customer relationships.
Total Addressable Market (TAM)
The total card payment market is estimated to be in the hundreds of billions of dollars globally. CPI Card Group Inc. is positioned to capture a portion of this market through its specialized card manufacturing and personalization services.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Comprehensive product portfolio
- Established manufacturing capabilities
- Expertise in secure payment solutions
- Brand recognition
Weaknesses
- Dependence on financial institutions
- Vulnerability to technological changes
- Sensitivity to economic cycles
- Limited international presence
Opportunities
- Expansion into new markets
- Development of innovative payment solutions
- Partnerships with technology companies
- Acquisition of complementary businesses
- Increased adoption of contactless payments
Threats
- Intense competition
- Technological obsolescence
- Cybersecurity threats
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- Giesecke+Devrient (Private)
- Thales (Gemalto) (HO)
- CompoSecure (CMPO)
- Valid (VLD)
Competitive Landscape
CPI Card Group Inc. competes on the basis of product quality, innovation, customer service, and price. It has advantages in North American market and focuses on secure payment solutions. Key competitors include larger, diversified companies with global reach.
Growth Trajectory and Initiatives
Historical Growth: Depend on the financial statements that are not publicly available as of knowledge cut-off date.
Future Projections: Analysts projections of revenue growth depend on financial models and analysis of the market. Projections depend on current market data.
Recent Initiatives: Recent initiatives include investments in new technologies, expansion of manufacturing capacity, and strategic partnerships.
Summary
CPI Card Group Inc. is a leading player in the payment card industry, focusing on secure card solutions. The company has a strong position in the North American market, but faces competition from larger global players. Growth opportunities lie in expansion into new markets, development of innovative payment solutions, and strategic partnerships. Monitoring technological changes and economic cycles is crucial for sustained success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Analyst Estimates
- Market Research Reports
Disclaimers:
The data provided is based on available information and estimates as of the knowledge cut-off date. It is subject to change and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CPI Card Group Inc
Exchange NASDAQ | Headquaters Littleton, CO, United States | ||
IPO Launch date 2015-10-09 | President, CEO & Director Mr. John D. Lowe CFA, CPA | ||
Sector Financial Services | Industry Credit Services | Full time employees 1500 | Website https://www.cpicardgroup.com |
Full time employees 1500 | Website https://www.cpicardgroup.com | ||
CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of payment cards in the United States. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces secure debit and credit cards, such as contact, contactless, eco-focused, and magnetic stripe cards; and provides card services, including digital services. This segment also provides personalization services, which include instant issuance solutions, that provides customers the ability to issue an instant personalized debit or credit card on-demand; and other payment solutions, such as digital push provisioning. The Prepaid Debit segment primarily provides integrated card services comprising tamper-evident security packaging services. It also produces payment cards issued on the networks of the payment card brands. It serves issuers of debit and credit cards, prepaid program managers, financial institution platform providers and card processor organizations, fintechs, small to mid-sized financial institutions, healthcare providers, entertainment venues, government disbursements, transit services, and others through sales representatives, customer relationships, and partners. 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 headquartered in Littleton, Colorado.
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