CPI Card Group Inc (PMTS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
CPI Card Group Inc stock (PMTS) is currently trading at $14.13. CPI Card Group Inc PE ratio is 10.54. CPI Card Group Inc PS ratio (Price-to-Sales) is 0.28. Analyst consensus price target for PMTS is $28.25. WallStSmart rates PMTS as Sell.
- PMTS PE ratio analysis and historical PE chart
- PMTS PS ratio (Price-to-Sales) history and trend
- PMTS intrinsic value — DCF, Graham Number, EPV models
- PMTS stock price prediction 2025 2026 2027 2028 2029 2030
- PMTS fair value vs current price
- PMTS insider transactions and insider buying
- Is PMTS undervalued or overvalued?
- CPI Card Group Inc financial analysis — revenue, earnings, cash flow
- PMTS Piotroski F-Score and Altman Z-Score
- PMTS analyst price target and Smart Rating
CPI Card Group Inc
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PMTS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · CPI Card Group Inc (PMTS)
PMTS trades at a significant discount to its Graham intrinsic value of $27.90, offering a 58% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
CPI Card Group Inc (PMTS) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, revenue growth, institutional own.. Concerns around market cap and peg ratio. Mixed signals suggest waiting for clearer direction before acting.
CPI Card Group Inc (PMTS) Key Strengths (3)
Paying less than $1 for every $1 of annual revenue
74.74% of shares held by major funds and institutions
Strong revenue growth at 22.30% annually
Supporting Valuation Data
CPI Card Group Inc (PMTS) Areas to Watch (5)
PEG ratio is negative or unavailable
Very thin margins with limited operational efficiency
Very thin margins, barely profitable
Micro-cap company with very limited liquidity and high volatility
Modest earnings growth at 9.70%
CPI Card Group Inc (PMTS) Detailed Analysis Report
Overall Assessment
This company scores 38/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 3 register as strengths (avg 9.3/10) while 5 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Institutional Own., Revenue Growth. Valuation metrics including Price/Sales (0.28) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 22.30%.
The Bear Case
The primary concerns are PEG Ratio, Operating Margin, Profit Margin. Some valuation metrics including PEG Ratio (N/A) suggest expensive pricing. Growth concerns include EPS Growth at 9.70%, which may limit upside. Profitability pressure is visible in Operating Margin at 9.28%, Profit Margin at 2.75%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Operating Margin at 9.28% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 22.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. PEG Ratio and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PMTS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PMTS's Price-to-Sales ratio of 0.28x trades 23% below its historical average of 0.36x (47th percentile). The current valuation is 77% below its historical high of 1.2x set in Sep 2021, and 827% above its historical low of 0.03x in Apr 2020. Over the past 12 months, the PS ratio has compressed from ~0.7x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for CPI Card Group Inc (PMTS) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
CPI Card Group Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 544M with 22% growth year-over-year. Profit margins are strong at 275.0%, reflecting pricing power and operational efficiency.
Key Findings
Generating 30M in free cash flow and 40M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can CPI Card Group Inc maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact CPI Card Group Inc.
Bottom Line
CPI Card Group Inc offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About CPI Card Group Inc(PMTS)
NASDAQ
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.