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PMTS 
CPI Card Group Inc (PMTS)
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Upturn Advisory Summary
12/08/2025: 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 $28.25
1 Year Target Price $28.25
| 4 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.71% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/08/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 180.15M USD | Price to earnings Ratio 13.18 | 1Y Target Price 28.25 |
Price to earnings Ratio 13.18 | 1Y Target Price 28.25 | ||
Volume (30-day avg) 4 | Beta 1.19 | 52 Weeks Range 11.63 - 35.19 | Updated Date 12/8/2025 |
52 Weeks Range 11.63 - 35.19 | Updated Date 12/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.2 |
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 2025-11-11 | When - | Estimate 0.6267 | Actual 0.4457 |
Profitability
Profit Margin 2.79% | Operating Margin (TTM) 9.44% |
Management Effectiveness
Return on Assets (TTM) 8.75% | Return on Equity (TTM) - |
Valuation
Trailing PE 13.18 | Forward PE 3.71 | Enterprise Value 484932851 | Price to Sales(TTM) 0.35 |
Enterprise Value 484932851 | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA 6.41 | Shares Outstanding 11387538 | Shares Floating 5996905 |
Shares Outstanding 11387538 | Shares Floating 5996905 | ||
Percent Insiders 2.93 | Percent Institutions 73.68 |
Upturn AI SWOT
CPI Card Group Inc
Company Overview
History and Background
CPI Card Group Inc. was founded in 2004 through the merger of multiple card manufacturers. It has since become a leading provider of credit, debit, and prepaid chip cards, secure u0c15u0c3eu0c30u0c4du0c21u0c41 manufacturing, and related personalization services in North America. A significant milestone was its initial public offering (IPO) in 2015. The company has evolved by expanding its product offerings and investing in secure card technologies.
Core Business Areas
- Secure Card Manufacturing and Personalization: CPI Card Group is a premier provider of secure card production and personalization services for the financial services industry. This includes the manufacturing of EMV chip cards, magnetic stripe cards, and contactless payment cards, as well as the personalization (embossing, encoding, printing) of these cards for issuance to consumers.
- Card Fulfillment and Distribution: The company offers end-to-end card fulfillment and distribution services, managing the secure delivery of personalized cards to financial institutions and their customers. This includes packaging, mailers, and logistical management.
- Adjacent Card Solutions: CPI also provides solutions for other card types, such as gift cards, access control cards, and secure identification cards, catering to various market segments beyond traditional banking.
Leadership and Structure
CPI Card Group is led by a management team with expertise in the payments and manufacturing industries. The organizational structure is designed to support its manufacturing operations, sales, and customer service divisions.
Top Products and Market Share
Key Offerings
- EMV Chip Cards: CPI is a major manufacturer of EMV (Europay, Mastercard, and Visa) compliant credit and debit cards. These cards incorporate a microchip for enhanced security. Competitors include other large card manufacturers and personalization bureaus. Market share data is not publicly granularly available for specific products but CPI is a significant player in the North American EMV card market.
- Contactless Payment Cards: The company produces contactless payment cards that utilize near-field communication (NFC) technology for tap-to-pay transactions. This is a growing segment with significant competition from global card manufacturers and innovators in payment technology.
- Secure Card Personalization Services: CPI offers comprehensive personalization services, including data encoding, embossing, and printing of cardholder information and graphics. This is a critical part of the card issuance process, with competition from specialized personalization bureaus.
Market Dynamics
Industry Overview
The payment card industry is characterized by continuous technological advancements, increasing security demands, and a shift towards digital payment solutions. The transition to EMV technology has been a significant driver of demand for card manufacturing. The market is competitive, with global players and regional specialists.
Positioning
CPI Card Group is positioned as a leading North American provider of secure card manufacturing and personalization. Its competitive advantages include its established manufacturing infrastructure, long-standing relationships with financial institutions, and expertise in EMV and secure card technologies. The company benefits from the ongoing need for physical payment cards, even with the rise of digital wallets.
Total Addressable Market (TAM)
The TAM for payment cards globally is substantial, encompassing billions of cards issued annually. In North America, the market for credit, debit, and prepaid cards remains robust. CPI Card Group is a significant player within this North American TAM, focusing on a substantial portion of the card issuance market for financial institutions. However, the rise of digital payment methods presents a long-term challenge to the growth of physical card issuance.
Upturn SWOT Analysis
Strengths
- Established manufacturing infrastructure and capacity
- Strong relationships with major financial institutions
- Expertise in EMV and secure payment card technologies
- Integrated offerings from card manufacturing to fulfillment
- Reputation for quality and security
Weaknesses
- Dependence on the financial services industry
- Vulnerability to rapid technological shifts (e.g., decline in physical card usage)
- Potential for commoditization of certain card products
- Operational costs associated with large-scale manufacturing
Opportunities
- Growth in emerging markets for EMV adoption
- Expansion into adjacent secure identification and access control markets
- Development of new secure card technologies and features
- Leveraging data analytics for personalized card offerings
- Increased demand for secure physical credentials in various sectors
Threats
- Increasing adoption of digital payment methods and mobile wallets
- Intensifying competition from global card manufacturers
- Economic downturns impacting consumer spending and card issuance
- Cybersecurity threats and data breaches
- Regulatory changes affecting payment card standards
Competitors and Market Share
Key Competitors
- Datacard Corporation (now Entrust)
- Gemalto (now Thales)
- Oberthur Technologies (now IDEMIA)
Competitive Landscape
CPI Card Group's advantages lie in its strong North American presence and established customer base. However, competitors like Entrust, Thales, and IDEMIA have significant global reach and diversified product portfolios in secure identity and payment solutions. The competitive landscape is driven by technological innovation, pricing, security capabilities, and the ability to serve large financial institutions with a full suite of services.
Growth Trajectory and Initiatives
Historical Growth: CPI Card Group's historical growth has been influenced by the widespread adoption of EMV chip cards in North America. Growth in revenue and profitability has been tied to card issuance volumes and the company's ability to secure manufacturing contracts. Periods of strategic investment or market shifts can also impact historical growth.
Future Projections: Future growth projections for CPI Card Group Inc. would depend on analyst estimates regarding the sustained demand for physical payment cards, the company's ability to innovate in secure card technologies, and its success in expanding into new markets or product lines. Factors like the pace of digital payment adoption and competitive pressures will shape these projections.
Recent Initiatives: Recent initiatives likely focus on enhancing manufacturing efficiency, expanding product capabilities to include more secure and feature-rich cards, and potentially exploring strategic partnerships or acquisitions to strengthen its market position or diversify its revenue streams.
Summary
CPI Card Group Inc. holds a significant position in the North American secure card manufacturing market, benefiting from the ongoing need for EMV-compliant payment cards. Its strengths lie in its infrastructure and customer relationships. However, the company faces threats from the increasing adoption of digital payment methods, necessitating a focus on innovation and diversification to ensure sustained growth and competitive viability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations (SEC Filings - 10-K, 10-Q)
- Industry Research Reports
- Financial News Outlets
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data and competitor analysis are estimates and subject to change. Investing in the stock market involves risks.
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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