CPI Card Group Inc

CPI Card Group Inc

PMTS · NASDAQ · Financial Services / Credit Services

24.93USD-0.23 (-0.91%)

Price History

Full chart

Market Stats

Previous Close25.16
Open25.20
Day Range24.57 – 26.08
52-Week Range10.81 – 31.25
Volume121.29K
Market Cap286.90M
P/E (TTM)21.52
Forward P/E7.13
EPS1.15
Dividend Yield0.00%
Beta0.97
50-Day Avg25.17
200-Day Avg18.17

About

CPI Card Group Inc., together with its subsidiaries, provides physical and digital payment solutions for financial institutions, processors, fintechs, prepaid program managers, and other organizations 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 provide customers with the ability to issue an instant personalized debit or credit card on-demand; and other payment solutions, such as digital push provisioning for mobile wallets. 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. The company offers card data personalization and fulfillment services, SaaS -based instant card issuance and other digital solutions, an integrated end-to-end on-demand payment card solution, and Card@Once, a proprietary and patented SaaS -based instant card issuance system. 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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. John D. Lowe CFA, CPA
  • Employees1.70K
  • Headquarters10368 West Centennial Road, Littleton, CO, United States, 80127, USA
  • Websitehttps://www.cpicardgroup.com

Leadership

  • Mr. John D. Lowe CFA, CPAPresident, CEO & Director · b. 1977
  • Ms. Toni ThompsonChief Operating Officer · b. 1962
  • Ms. Terra GranthamChief Financial Officer · b. 1971
  • Mr. Brennan Allen Hughes C.P.A.Chief Accounting Officer · b. 1976
  • Mr. Ernesto BoadaChief Technology Officer · b. 1972
  • Mr. Davis BarkerHead of Investor Relations & Corporate Development
  • Mr. Darren A. DragovichChief Legal & Compliance Officer and Secretary · b. 1973
  • Ms. Sonya VollmerChief Human Resources Officer · b. 1974
  • Ms. Margaret O'LearyChief Commercial Officer · b. 1976
  • Ms. Diane FeltonChief of Staff

Financials

Income Statement

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue183.79M196.37M261.01M374.11M308.70M223.74M255.81M278.07M312.19M375.12M475.75M444.55M480.60M543.53M
Growth (%)-+6.85%+32.92%+43.33%-17.48%-27.52%+14.33%+8.70%+12.27%+20.16%+26.83%-6.56%+8.11%+13.09%
Cost of Revenue130.90M136.87M179.28M238.29M206.80M155.54M177.22M187.00M201.88M233.69M299.98M289.06M309.38M373.44M
Gross Profit52.89M59.50M81.73M135.82M101.90M68.20M78.59M91.07M110.31M141.43M175.77M155.49M171.22M170.10M
Gross Margin28.78%30.30%31.31%36.31%33.01%30.48%30.72%32.75%35.33%37.70%36.95%34.98%35.63%31.29%
Operating Expense32.98M33.35M47.26M68.10M72.92M87.50M74.00M66.36M71.92M81.96M96.64M93.90M108.43M115.25M
Operating Income19.90M26.15M34.47M67.72M28.98M-19.30M4.59M24.71M38.39M59.46M79.13M61.59M62.79M54.84M
Operating Margin10.83%13.32%13.21%18.10%9.39%-8.63%1.79%8.89%12.30%15.85%16.63%13.85%13.07%10.09%
EBITDA32.57M40.44M47.97M84.40M48.61M-1.85M22.70M40.62M55.11M74.56M93.65M77.31M79.21M77.30M
EBITDA Margin17.72%20.60%18.38%22.56%15.75%-0.83%8.87%14.61%17.65%19.88%19.68%17.39%16.48%14.22%
Net Income4.93M8.59M13.30M30.86M5.40M-22.01M-37.46M-5.12M16.13M15.94M36.54M23.98M19.52M14.95M
Net Income Margin2.68%4.37%5.10%8.25%1.75%-9.84%-14.64%-1.84%5.17%4.25%7.68%5.40%4.06%2.75%
R&D---0000-------
R&D as % of Total Revenue---0.00%0.00%0.00%0.00%-------
Interest Expense5.76M7.84M7.51M18.33M20.04M20.85M23.43M24.89M25.40M30.61M29.62M26.91M34.09M32.47M
Interest Expense % of Total Revenue3.14%3.99%2.88%4.90%6.49%9.32%9.16%8.95%8.14%8.16%6.23%6.05%7.09%5.97%

Balance Sheet

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-171.87M266.62M280.35M264.42M234.00M207.20M213.49M266.15M268.14M296.67M293.68M349.66M403.19M
Total Liabilities-208.76M288.32M366.96M359.69M353.58M356.78M365.92M404.19M389.16M378.74M345.62M385.28M420.52M
Total Equity--36.90M-21.69M-86.61M-95.27M-119.57M-149.58M-152.44M-138.04M-121.02M-82.08M-51.94M-35.62M-17.33M
Cash-9.70M12.94M13.61M36.95M23.20M20.29M18.68M57.60M20.68M11.04M12.41M33.54M21.70M
Total Debt-122.31M179.42M309.00M301.92M303.87M306.34M312.27M341.12M307.74M291.22M272.31M289.47M337.47M
Net Debt-112.60M166.48M295.39M264.97M280.66M285.53M289.10M283.51M282.94M280.18M259.90M255.93M315.77M

Cash Flow

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow21.32M23.62M26.63M43.92M59.96M2.43M3.52M2.84M22.01M20.23M31.34M34.04M43.31M59.50M
Investing Cash Flow-12.20M-9.24M-71.81M-13.67M-14.29M-8.79M-5.85M-2.57M-7.09M-9.92M-17.77M-6.22M-9.22M-65.13M
Financing Cash Flow-20.74M-12.11M48.53M-29.40M-21.92M-7.88M-519.00K-1.93M23.98M-47.23M-23.16M-26.44M-12.96M-6.22M
Capital Expenditure11.05M9.24M16.96M18.67M14.29M7.26M5.63M4.17M7.09M10.07M17.87M6.41M9.26M18.18M
Free Cash Flow10.28M14.38M9.67M25.25M45.66M-4.84M-2.11M-1.33M14.92M10.15M13.47M27.64M34.06M41.33M
Dividends Paid28.37M9.75M230.31M230.36M7.52M7.54M0-------
FCF to OCF48.20%60.88%36.32%57.49%76.16%-199.26%-60.06%-46.96%67.78%50.20%42.98%81.18%78.63%69.45%
Dividend Paid to FCF276.00%67.79%2381.50%912.25%16.47%-155.91%0.00%-------

Earnings

Report DateNov 12, 2015Feb 24, 2016May 11, 2016Aug 10, 2016Nov 9, 2016Mar 1, 2017May 3, 2017Aug 2, 2017Nov 7, 2017Mar 12, 2018May 8, 2018Aug 9, 2018Nov 7, 2018Mar 6, 2019May 9, 2019Aug 7, 2019Nov 6, 2019Mar 6, 2020May 6, 2020Aug 5, 2020Nov 3, 2020Feb 25, 2021May 11, 2021Aug 12, 2021Nov 5, 2021Mar 8, 2022May 5, 2022Aug 8, 2022Nov 3, 2022Mar 8, 2023May 9, 2023Aug 8, 2023Nov 7, 2023Mar 7, 2024May 7, 2024Aug 5, 2024Nov 5, 2024Mar 5, 2025May 7, 2025Aug 8, 2025Nov 4, 2025Mar 10, 2026May 5, 2026Aug 6, 2026Nov 3, 2026
EPS Estimate1.270.760.680.270.71-0.120.130.160.24-0.08-0.23-0.250.03-0.15-0.40-0.040.06-0.27-0.22-0.160.31-0.140.210.530.560.350.240.370.580.370.600.330.500.320.550.650.550.720.690.690.620.650.400.370.76
EPS Actual1.220.800.650.250.55-0.36-0.25-0.190.10-0.03-0.470.10-0.55-0.48-0.27-0.13-0.06-0.140.370.080.520.650.210.530.560.060.580.521.011.060.910.550.330.230.470.570.520.580.470.290.451.480.410.47-
Surprise-3.94%5.26%-4.41%-7.41%-22.54%-200.25%-292.31%-221.44%-58.33%62.50%-104.35%140.00%-1926.33%-220.00%32.50%-225.00%-200.00%48.15%268.18%149.63%67.74%564.93%0.00%0.00%0.00%-82.86%141.67%40.54%74.14%186.49%51.67%66.67%-34.00%-28.13%-14.55%-12.31%-5.45%-19.50%-31.88%-57.97%-27.42%127.48%2.50%27.03%-
TimingPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap286.90M
Enterprise Value536.07M
Trailing P/E21.52
Forward P/E7.13
PEG Ratio0.57
Price / Sales0.49
Price / Book0.00
EPS1.15
Book Value-0.996
Revenue (TTM)587.31M
Gross Profit (TTM)179.39M
EBITDA77.12M
Profit Margin2.34%
Operating Margin5.61%
Return on Equity0.00%
Return on Assets8.17%
Shares Outstanding11.59M
Shares Float8.16M
Beta0.97
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Strong Buy
Based on 4 analystsTarget 32.50
  • Strong Buy
    4

Ownership Breakdown

Institutions
79.66%
Insiders
4.81%
Retail / Other
15.53%

Top Institutional Holders

  • Pacific Ridge Capital Partners, LLC
    507.68K4.38%
  • BlackRock Inc
    431.44K3.72%
  • Vanguard Capital Management, LLC
    260.26K2.25%
  • Pembroke Management Ltd
    239.90K2.07%
  • Vanguard Portfolio Management, LLC
    224.89K1.94%
  • Geode Capital Management, LLC
    166.50K1.44%
  • UBS Group AG
    128.28K1.11%
  • LSV Asset Management
    88.40K0.76%
  • State Street Corp
    76.57K0.66%
  • Northern Trust Corp
    72.67K0.63%
  • Kerrisdale Advisers, LLC
    60.80K0.52%
  • Dimensional Fund Advisors, Inc.
    51.97K0.45%
  • Royal Bank of Canada
    48.93K0.42%
  • Trexquant Investment LP
    48.29K0.42%

Top Fund Holders

  • iShares Russell 2000 ETF
    206.75K1.78%
  • Adara Smaller Companies
    200.17K1.73%
  • Vanguard MStar Total Stk Mkt Idx Invest
    183.58K1.58%
  • Vanguard Information Technology ETF
    150.73K1.30%
  • Fidelity Small Cap Index
    86.36K0.74%
  • iShares Russell 2000 Growth ETF
    75.49K0.65%

Dividends

20172×
0.23Jun 14, 20170.23Mar 15, 2017
20164×
0.23Dec 14, 20160.23Sep 14, 20160.23Jun 14, 20160.23Mar 15, 2016

Stock Splits

  • Dec 20, 20171:5