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Upturn AI SWOT - About
PMTS 
CPI Card Group Inc (PMTS)
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Upturn Advisory Summary
05/20/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $36.75
1 Year Target Price $36.75
| 4 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.6% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 05/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 263.08M USD | Price to earnings Ratio 14.76 | 1Y Target Price 36.75 |
Price to earnings Ratio 14.76 | 1Y Target Price 36.75 | ||
Volume (30-day avg) 4 | Beta 1.31 | 52 Weeks Range 18.46 - 35.19 | Updated Date 06/30/2025 |
52 Weeks Range 18.46 - 35.19 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.58 |
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 3.83% | Operating Margin (TTM) 11.49% |
Management Effectiveness
Return on Assets (TTM) 11.68% | Return on Equity (TTM) - |
Valuation
Trailing PE 14.76 | Forward PE 6.77 | Enterprise Value 521998323 | Price to Sales(TTM) 0.54 |
Enterprise Value 521998323 | Price to Sales(TTM) 0.54 | ||
Enterprise Value to Revenue 1.06 | Enterprise Value to EBITDA 6.57 | Shares Outstanding 11281500 | Shares Floating 6175713 |
Shares Outstanding 11281500 | Shares Floating 6175713 | ||
Percent Insiders 2.37 | Percent Institutions 75.06 |
Analyst Ratings
Rating 2 | Target Price 36.75 | Buy - | Strong Buy 4 |
Buy - | Strong Buy 4 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CPI Card Group Inc
Company Overview
History and Background
CPI Card Group Inc. was founded in 1982. It began as a provider of prepaid phone cards and has evolved into a major provider of payment card solutions and other specialty card products. The company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Debit and Credit Cards: Production of EMV chip cards, magnetic stripe cards, and dual-interface cards for debit, credit, and prepaid applications. Includes personalization and fulfillment services.
- Prepaid Debit Cards: Production and services for prepaid debit cards including gift cards.
- Commercial Cards: Production and services for commercial credit cards for business payment solutions
- Other Products and Services: This includes loyalty, membership, identification, and transit cards, as well as card personalization and fulfillment services. It also provides instant issuance solutions.
Leadership and Structure
CPI Card Group Inc.'s leadership team consists of its Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure is hierarchical, with departments responsible for sales, marketing, operations, finance, and technology.
Top Products and Market Share
Key Offerings
- EMV Chip Cards: CPI is a leading provider of EMV chip cards, capturing a significant share of the payment card market. Competitors include Gemalto (now Thales), IDEMIA, and Giesecke+Devrient. Revenue for this product is substantial but difficult to estimate independently.
- Dual-Interface Cards: Dual-interface cards allow for both contact and contactless payments, a growing segment. CPI competes with the same major players as in EMV cards. Market share is subject to intense rivalry and difficult to track accurately
- Card Personalization and Fulfillment: Services for personalizing and fulfilling card orders, including data encoding, embossing, and mailing. Key competitors include card manufacturers with fulfillment capabilities. These Services are often tied into card production revenue.
- Instant Issuance Solutions: This solution allows businesses to create cards for employees and customers, giving it more customization and control over the process.
Market Dynamics
Industry Overview
The payment card industry is competitive and influenced by technological advancements, regulatory changes, and consumer behavior. The increasing adoption of digital payments and contactless technology are key trends.
Positioning
CPI Card Group Inc. is positioned as a leading provider of card solutions, particularly in North America. Its competitive advantages include its established relationships with financial institutions, its production capacity, and its ability to offer a range of card technologies.
Total Addressable Market (TAM)
The TAM for card manufacturing and related services is estimated to be in the billions of dollars globally. CPI is well-positioned to capture a significant portion of the North American market.
Upturn SWOT Analysis
Strengths
- Established relationships with financial institutions
- Strong production capacity
- Comprehensive product portfolio
- Expertise in card technology
- Strong market position in North America
Weaknesses
- Dependence on the payment card industry
- Vulnerability to economic downturns
- Potential for obsolescence of physical cards
- Relatively low profit margins
Opportunities
- Expansion into new markets
- Development of innovative card technologies
- Increased demand for contactless cards
- Growth in prepaid card market
- Partnerships with digital payment platforms
Threats
- Competition from larger players
- Technological disruption from mobile payments
- Regulatory changes affecting card issuance
- Cybersecurity risks
- Economic slowdown impacting consumer spending
Competitors and Market Share
Key Competitors
- Gemalto (Thales DIS CPL), IDEMIA, Giesecke+Devrient (GDSC.DE)
Competitive Landscape
CPI Card Group Inc. competes with larger, global players. Its focus on North America and specific card technologies gives it a competitive advantage, but it faces challenges in terms of scale and resources compared to its larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Requires detailed financial data from historical reports. Assuming based on prompt, unable to produce.
Future Projections: Requires analyst estimates, which are not available without additional external data sources.
Recent Initiatives: Recent initiatives include investments in new card technologies and expansion of instant issuance solutions.
Summary
CPI Card Group Inc. is a leading provider of card solutions in North America, particularly in EMV and dual-interface cards. It has strong relationships with financial institutions and production capacity. The company faces competition from larger global players and the potential disruption of mobile payments, but its focus on innovation and expansion into new markets offer growth opportunities. Financial metrics and analysis are unavailable here but needed to perform a full analysis.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. The above financial analysis could not be performed due to the scope of the prompt and unavailable real time values
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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