CPI Card Group Inc. PMTS

Communication services SIC 2750 - Commercial Printing NAICS Manufacturing › Printing and Related Support Activities › Printing › Commercial Printing (except Screen and Books) derived Nasdaq

CPI is a payments technology company providing a comprehensive range of physical and digital payment solutions for U.S. financial institutions, processors, fintechs, prepaid program managers, and more. We are a leader in several areas of the U.S. payment card solutions market, including debit and credit card production, personalization, and Software-as-a-Service-based ("SaaS-based") instant issuance solutions. We are also a market leader in the production of "Prepaid Debit Cards," defined as debit cards issued on the networks of the "Payment Card Brands" (Visa, Mastercard®, American Express® and Discover®) but not linked to a traditional bank account, and related secure packaging solutions. We serve thousands of customers through direct and indirect sales channels and have maintained long-standing relationships with our top customers.

Last close 26.89 2026-10-23
Market cap $310.1M 2026-06-30 share count
52-week range 10.81 - 31.25

Valuation FY2025 figures against the last close

P/S0.6x
P/E21.5x
P/FCF7.5x
EV/EBITDA7.4x
Dividend yield—
Diluted EPS1.25

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $543.5M$480.6M$444.5M$475.7M$375.1M$312.2M$278.1M$255.8M$223.7M$308.7M
Cost of revenue $373.4M$309.4M$289.1M$300.0M$233.7M$201.9M$187.0M$177.2M$155.5M$206.8M
Gross profit $170.1M$171.2M$155.5M$175.8M$141.4M$110.3M$91.1M$78.6M$68.2M$101.9M
SG&A —$103.4M$88.3M$90.8M$75.7M$65.8M$66.3M$68.0M$62.2M$64.0M
Total operating expenses $115.3M$108.4M$93.9M$96.6M$82.0M$71.9M$66.4M$74.0M$87.5M$72.9M
Operating income $54.8M$62.8M$61.6M$79.1M$59.5M$38.4M$24.7M$4.6M-$19.3M$29.0M
Interest expense —————$25.4M$24.9M$23.4M$20.9M$20.0M
Pre-tax income $21.7M$25.0M$34.5M$49.1M$23.8M$12.9M-$1.5M-$19.1M-$39.6M$8.5M
Income tax $6.7M$5.5M$10.5M$12.6M$7.9M$3.3M$3.5M$4.3M$16.5M$3.1M
Net income $14.9M$19.5M$24.0M$36.5M$15.9M$16.1M-$5.1M-$37.5M-$22.0M$5.4M
EPS, basic 1.321.752.103.241.421.44-0.46———
EPS, diluted 1.251.642.013.111.361.44-0.46-3.36-1.980.48
Shares, diluted (wtd. avg.) 11.9M11.9M11.9M11.7M11.8M11.2M11.2M—11.1M11.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $21.7M$33.5M$12.4M$11.0M$20.7M$57.6M$18.7M$20.3M$23.2M$37.0M
Receivables $95.4M$85.5M$73.7M$80.6M$61.0M$54.6M$42.8M$43.8M$32.5M$31.5M
Inventory $72.2M$72.7M$70.6M$68.4M$58.0M$24.8M$20.2M$9.8M$13.8M$19.4M
Total current assets $204.9M$203.0M$165.4M$167.6M$145.7M$152.5M$92.2M$84.5M$102.1M$92.4M
Property, plant and equipment ———$57.2M$47.3M$39.4M$41.6M$39.1M$44.4M$53.4M
Goodwill $48.8M$47.1M$47.1M$47.1M$47.1M$47.1M$47.1M$47.1M$47.1M$66.1M
Other intangibles $18.5M$10.5M$14.1M$18.0M$21.9M$26.2M$30.8M$35.4M$40.1M$46.3M
Total assets $403.2M$349.7M$293.7M$296.7M$268.1M$266.2M$213.0M$207.2M$234.0M$264.4M
Accounts payable $27.8M$16.1M$12.8M$24.4M$26.4M$18.9M$16.5M$16.5M$13.2M$11.0M
Short-term debt —————$8.0M————
Total current liabilities $84.1M$75.6M$49.4M$68.0M$64.8M$56.9M$41.7M$41.3M$35.0M$35.3M
Long-term debt $286.7M$280.4M$265.0M$285.5M$303.6M$328.7M$307.8M$305.8M$303.9M$301.9M
Total liabilities $420.5M$385.3M$345.6M$378.7M$389.2M$404.2M$367.3M$356.8M$353.6M$359.7M
Retained earnings $84.7M$69.8M$50.3M$26.3M-$10.2M-$26.2M-$42.3M-$36.0M-$1.4M$26.0M
Total equity -$17.3M-$35.6M-$51.9M-$82.1M-$121.0M-$138.0M-$154.3M-$150.8M-$119.6M-$95.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $59.5M$43.3M$34.0M$31.3M$20.2M$22.1M$3.0M$7.1M$3.5M$60.0M
Depreciation and amortisation $22.5M$16.4M$15.9M$14.9M$15.1M$16.8M$17.3M$18.4M$16.9M$16.9M
Stock-based compensation $7.0M$8.5M$7.5M$3.5M$1.2M$136.0K$250.0K$961.0K$2.0M$3.6M
Capital expenditure $18.2M$9.3M$6.4M$17.9M$10.1M$7.1M$4.2M$5.6M$7.3M$14.3M
Investing cash flow -$65.1M-$9.2M-$6.2M-$17.8M-$9.9M-$7.1M-$2.6M-$5.6M-$7.3M-$14.3M
Financing cash flow -$6.2M-$13.0M-$26.4M-$23.2M-$47.2M$24.0M-$1.9M-$519.0K-$7.9M-$21.9M
Dividends paid ————————$7.5M$7.5M
Buybacks —$8.7M$250.0K——————$6.0M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-040936.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -200M 0 200M 400M 600M Revenue, FY2016: 308.7M Gross profit, FY2016: 101.9M Net income, FY2016: 5.4M Revenue, FY2017: 223.7M Gross profit, FY2017: 68.2M Net income, FY2017: -22M Revenue, FY2018: 255.8M Gross profit, FY2018: 78.6M Net income, FY2018: -37.5M Revenue, FY2019: 278.1M Gross profit, FY2019: 91.1M Net income, FY2019: -5.1M Revenue, FY2020: 312.2M Gross profit, FY2020: 110.3M Net income, FY2020: 16.1M Revenue, FY2021: 375.1M Gross profit, FY2021: 141.4M Net income, FY2021: 15.9M Revenue, FY2022: 475.7M Gross profit, FY2022: 175.8M Net income, FY2022: 36.5M Revenue, FY2023: 444.5M Gross profit, FY2023: 155.5M Net income, FY2023: 24M Revenue, FY2024: 480.6M Gross profit, FY2024: 171.2M Net income, FY2024: 19.5M Revenue, FY2025: 543.5M Gross profit, FY2025: 170.1M Net income, FY2025: 14.9M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $308.7M $223.7M $255.8M $278.1M $312.2M $375.1M $475.7M $444.5M $480.6M $543.5M
Gross profit $101.9M $68.2M $78.6M $91.1M $110.3M $141.4M $175.8M $155.5M $171.2M $170.1M
Net income $5.4M -$22.0M -$37.5M -$5.1M $16.1M $15.9M $36.5M $24.0M $19.5M $14.9M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Item 5.02
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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