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PMTS 
CPI Card Group Inc (PMTS)
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Upturn Advisory Summary
11/03/2025: PMTS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -17.04% | Avg. Invested days 24 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 177.32M USD | Price to earnings Ratio 14.09 | 1Y Target Price 34 |
Price to earnings Ratio 14.09 | 1Y Target Price 34 | ||
Volume (30-day avg) 4 | Beta 1.37 | 52 Weeks Range 12.52 - 35.19 | Updated Date 11/3/2025 |
52 Weeks Range 12.52 - 35.19 | Updated Date 11/3/2025 | ||
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 2025-11-11 | When - | Estimate 0.6267 | 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 14.09 | Forward PE 3.71 | Enterprise Value 478878715 | Price to Sales(TTM) 0.35 |
Enterprise Value 478878715 | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 0.95 | Enterprise Value to EBITDA 6.35 | Shares Outstanding 11337367 | Shares Floating 6187935 |
Shares Outstanding 11337367 | Shares Floating 6187935 | ||
Percent Insiders 2.64 | Percent Institutions 76.78 |
Upturn AI SWOT
CPI Card Group Inc
Company Overview
History and Background
CPI Card Group Inc. was founded in 1982. It has grown through acquisitions and organic expansion to become a leading provider of financial and EMV chip cards, prepaid debit cards, and other card solutions.
Core Business Areas
- Debit and Credit Cards: Manufactures and supplies EMV chip cards, dual interface cards, magnetic stripe cards, and contactless cards for debit and credit payment applications.
- Prepaid Debit Cards: Offers prepaid debit cards for various applications, including gift cards, payroll cards, and incentive cards.
- Other Solutions: Provides card personalization, fulfillment services, and secure card solutions for various industries.
Leadership and Structure
Douglas W Duering serves as CEO. CPI Card Group Inc. operates with a functional organizational structure including sales, marketing, operations and finance.
Top Products and Market Share
Key Offerings
- EMV Chip Cards: EMV chip cards are a core product, used globally for secure credit and debit transactions. Market share varies but estimates place CPI as a significant player with around 20-25% share of the North American market. Competitors include Giesecke+Devrient, Thales, and IDEMIA. Revenue data not publicly segmented by product type.
- Dual Interface Cards: Cards that can be used with EMV chip and contactless readers. No specific market share data available, but competes with the same companies as EMV cards.
- Prepaid Cards: Prepaid cards for gift cards, rebate cards and other. No specific market share data available but a growing market. Competitors include Blackhawk Network, InComm Payments.
Market Dynamics
Industry Overview
The card manufacturing industry is driven by factors such as payment security, technology advancements (e.g., contactless), and regulatory changes. The industry is moderately consolidated with a few large players.
Positioning
CPI Card Group Inc. is a leading card manufacturer in North America. Its competitive advantages include its extensive production capacity, relationships with financial institutions, and focus on security and innovation.
Total Addressable Market (TAM)
The TAM for card manufacturing is estimated to be in the billions of USD globally. CPI is positioned to capture a significant portion of this TAM through its established market presence.
Upturn SWOT Analysis
Strengths
- Strong market position in North America
- Extensive production capacity
- Established relationships with financial institutions
- Focus on security and innovation
Weaknesses
- Dependence on the financial services industry
- Exposure to raw material price fluctuations
- Limited geographic diversification
- Competition from larger global players
Opportunities
- Growth in contactless payments
- Expansion into new markets (e.g., Latin America)
- Development of new card technologies (e.g., biometric cards)
- Increased demand for secure payment solutions
Threats
- Increased competition from lower-cost manufacturers
- Disruptive technologies (e.g., mobile payments)
- Economic downturns impacting financial institutions
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- GD (Giesecke+Devrient)
- Gemalto (Thales)
- IDEMIA
Competitive Landscape
CPI's advantages include strong North American presence and focus on security. Disadvantages include limited geographic diversification and competition from larger global players.
Growth Trajectory and Initiatives
Historical Growth: CPI's growth has been driven by organic expansion and acquisitions. Historical growth rates can be calculated from past financial statements.
Future Projections: Analyst estimates for CPI's future growth can be found on financial websites.
Recent Initiatives: Check CPI Card Group Inc.'s recent press releases for strategic initiatives.
Summary
CPI Card Group Inc. is a card manufacturer focused on financial institutions. The company has a solid market position in North America, but faces competition from larger global players and technological disruption. Growth opportunities exist in contactless payments and emerging markets. Maintaining its market share will require innovation and adaptation to changing market conditions.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Sources
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly.
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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