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Upturn AI SWOT - About
PMTS 
CPI Card Group Inc (PMTS)
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Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 178.45M USD | Price to earnings Ratio 13.93 | 1Y Target Price 34 |
Price to earnings Ratio 13.93 | 1Y Target Price 34 | ||
Volume (30-day avg) 4 | Beta 1.3 | 52 Weeks Range 12.52 - 35.19 | Updated Date 08/29/2025 |
52 Weeks Range 12.52 - 35.19 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.13 |
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 2025-08-08 | When - | Estimate 0.67 | Actual 0.04 |
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 13.93 | Forward PE 6.14 | Enterprise Value 483867156 | Price to Sales(TTM) 0.36 |
Enterprise Value 483867156 | Price to Sales(TTM) 0.36 | ||
Enterprise Value to Revenue 0.96 | Enterprise Value to EBITDA 6.42 | Shares Outstanding 11337400 | Shares Floating 6210156 |
Shares Outstanding 11337400 | Shares Floating 6210156 | ||
Percent Insiders 2.45 | Percent Institutions 76.32 |
Upturn AI SWOT
CPI Card Group Inc
Company Overview
History and Background
CPI Card Group Inc. was founded in 1982 and has grown to become a leading provider of financial payment card production and related services. It has expanded through organic growth and acquisitions, focusing on secure payment solutions.
Core Business Areas
- Debit and Credit Cards: Production of EMV and dual-interface debit and credit cards, including personalization and fulfillment.
- Prepaid Cards: Manufacturing and personalization of prepaid cards for various applications, such as gift cards and incentive programs.
- Payment Solutions: Services including card design, data analytics, and mobile payment solutions.
- Other: Includes other revenue related to card sales and support such as transaction printing
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes departments for sales, marketing, operations, and finance.
Top Products and Market Share
Key Offerings
- EMV Debit and Credit Cards: EMV cards with chip technology for enhanced security. Market share data is difficult to pinpoint precisely due to industry fragmentation, but CPI is a significant player. Competitors: Thales Group (Gemalto), Giesecke+Devrient, IDEMIA.
- Dual-Interface Cards: Cards that support both contact and contactless payments. Competitors: Thales Group (Gemalto), Giesecke+Devrient, IDEMIA.
- Card Personalization and Fulfillment: Services for customizing and distributing cards. Competitors: CompoSecure, Valid.
Market Dynamics
Industry Overview
The payment card industry is driven by the increasing adoption of digital payments, the need for enhanced security, and the rise of contactless payment methods. Consolidation continues, yet fragmentation remains.
Positioning
CPI Card Group Inc. is a major player in the North American market, with a focus on providing secure and innovative payment card solutions. Its competitive advantages include its manufacturing capabilities, experience, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for payment cards and related services is estimated to be in the tens of billions of dollars globally. CPI Card Group Inc. is positioned to capture a share of this market by focusing on innovation and secure payment solutions.
Upturn SWOT Analysis
Strengths
- Strong presence in the North American market
- Extensive experience in card manufacturing and personalization
- Focus on secure payment solutions
- Established relationships with major financial institutions
Weaknesses
- Dependence on the payment card industry's growth
- Exposure to fluctuations in raw material costs
- Limited geographic diversification
Opportunities
- Expansion into new markets and regions
- Development of innovative payment solutions
- Partnerships with fintech companies
- Increased adoption of contactless payment methods
Threats
- Intense competition from larger players
- Disruption from alternative payment methods (e.g., mobile wallets)
- Cybersecurity threats
- Economic downturns
Competitors and Market Share
Key Competitors
- Thales Group (Gemalto) (Euronext: HO)
- Giesecke+Devrient (Private)
- IDEMIA (Private)
Competitive Landscape
CPI Card Group Inc. faces intense competition from larger, global players. Its strengths include its focus on the North American market and its manufacturing capabilities. However, it needs to diversify its geographic presence and innovate to stay ahead of the competition.
Major Acquisitions
Secura Key
- Year: 2008
- Acquisition Price (USD millions): 15
- Strategic Rationale: Expanded CPI's product offerings into the access control market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not immediately available, and should be based on real-time financial data.
Future Projections: Future growth projections are not immediately available, and should be based on real-time financial data and analyst reports.
Recent Initiatives: Recent initiatives include focusing on contactless payment card technology and secure payment solutions. The company is expanding its manufacturing capabilities.
Summary
CPI Card Group Inc. is a significant player in the North American payment card market, particularly in secure card solutions. The company benefits from its established manufacturing capabilities and relationships with financial institutions. However, it faces increasing competition and must adapt to evolving payment technologies like mobile wallets. Geographic diversification and innovation will be critical for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- 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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