CPI Card Group Inc (PMTS)vsVisa Inc. Class A (V)
PMTS
CPI Card Group Inc
$17.05
-3.73%
FINANCIAL SERVICES · Cap: $192.91M
V
Visa Inc. Class A
$323.57
+0.50%
FINANCIAL SERVICES · Cap: $603.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 7477% more annual revenue ($43.03B vs $567.88M). V leads profitability with a 51.7% profit margin vs 2.1%. PMTS appears more attractively valued with a PEG of 0.57. V earns a higher WallStSmart Score of 74/100 (B).
PMTS
Hold46
out of 100
Grade: D+
V
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
19.8% revenue growth
Mega-cap, among the largest globally
Every $100 of equity generates 62 in profit
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 67.3%
17.1% revenue growth
Earnings expanding 35.5% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.1% margin — thin
Weak financial health signals
Moderate valuation
Trading at 17.4x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PMTS
The strongest argument for PMTS centers on Debt/Equity, PEG Ratio, P/E Ratio. Revenue growth of 19.8% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.1% margins leave little buffer for downturns.
Bear Case : V
The primary concerns for V are P/E Ratio, Price/Book, Altman Z-Score.
Key Dynamics to Monitor
PMTS carries more volatility with a beta of 1.09 — expect wider price swings.
PMTS is growing revenue faster at 19.8% — sustainability is the question.
V generates stronger free cash flow (2.6B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
V scores higher overall (74/100 vs 46/100), backed by strong 51.7% margins and 17.1% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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