CPI Card Group (PMTS) stock price, revenue, and financials

CPI Card Group market cap is $55 m, and annual revenue was $278.07 m in FY 2019

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-0.73 (-14.9%)

$55 M

PMTS Mkt cap, 15-Jan-2021

$82.7 M

CPI Card Group Revenue Q3, 2020

CPI Card Group Gross profit (Q3, 2020)30.6 M

CPI Card Group Gross profit margin (Q3, 2020), %37%

CPI Card Group Net income (Q3, 2020)5.8 M

CPI Card Group EBIT (Q3, 2020)13.5 M

CPI Card Group Cash, 30-Sept-202050.3 M

CPI Card Group EV340.4 M

CPI Card Group Revenue

CPI Card Group revenue was $278.07 m in FY, 2019

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CPI Card Group Revenue Breakdown

Business Segment

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CPI Card Group revenue breakdown by business segment: 19.3% from U.S. Prepaid Debit, 9.5% from U.K Limited, 67.0% from U.S. Debit and Credit and 4.2% from Other

Annual

USD	FY, 2014	FY, 2015	FY, 2016	FY, 2017	FY, 2018	FY, 2019
Revenue	261.0m	374.1m	308.7m	254.9m	255.8m	278.1m
Revenue growth, %		43%	(17%)
Cost of goods sold	179.3m	238.3m	206.8m	179.9m	177.2m	186.8m
Gross profit	81.7m	135.8m	101.9m	75.0m	78.6m	91.3m
Gross profit Margin, %	31%	36%	33%	29%	31%	33%
General and administrative expense	42.7m	61.1m	66.7m	67.3m	68.0m	65.7m
Operating expense total	42.7m	68.1m	72.9m	93.1m	74.0m	65.8m
Depreciation and amortization		6.3m	6.2m	6.8m	6.0m	6.0m
EBITDA	54.2m	96.2m	57.2m
EBITDA margin, %	21%	26%	19%
EBIT	34.5m	67.7m	29.0m	(18.1m)	4.6m	25.5m
EBIT margin, %	13%	18%	9%	(7%)	2%	9%
Interest expense	7.5m	18.3m	20.0m	20.8m	23.4m	24.9m
Pre tax profit	26.3m	49.1m	8.5m	(38.4m)	(19.1m)	(678.0k)
Income tax expense	10.3m	17.8m	3.1m	(16.4m)	(4.3m)	3.7m
Net Income	13.3m	30.9m	5.4m	(22.0m)	(37.5m)	(4.5m)

Source: SEC Filings

Quarterly

USD	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018	Q2, 2018	Q3, 2018	Q1, 2019	Q2, 2019	Q3, 2019	Q1, 2020	Q2, 2020	Q3, 2020
Revenue	107.7m	86.4m	73.7m	81.2m	56.0m	65.8m	68.0m	59.1m	61.5m	71.0m	66.9m	66.9m	71.7m	74.0m	71.4m	82.7m
Cost of goods sold	64.6m	56.7m	51.0m	52.1m	39.9m	46.6m	47.1m	44.6m	41.6m	47.7m	45.3m	44.5m	46.3m	48.3m	48.2m	52.1m
Gross profit	43.0m	29.7m	22.7m	29.1m	16.1m	19.3m	21.0m	14.4m	19.9m	23.3m	21.5m	22.4m	25.4m	25.7m	23.2m	30.6m
Gross profit Margin, %	40%	34%	31%	36%	29%	29%	31%	24%	32%	33%	32%	33%	35%	35%	32%	37%
General and administrative expense	14.5m	14.5m	16.6m	15.8m	16.2m	15.6m	15.8m	16.8m	15.8m	17.0m	16.4m	16.8m	15.9m	16.5m	19.1m	15.6m
Operating expense total	16.7m	16.0m	18.2m	17.4m	17.9m	17.3m	17.5m	18.4m	17.2m	18.6m	18.0m	12.3m	17.4m	18.0m	20.6m	17.1m
Depreciation and amortization	1.5m	1.5m	1.5m	1.5m	1.7m	1.8m	1.7m	1.6m	1.5m	1.6m	1.5m	1.5m	1.5m	1.5m	1.5m	1.5m
EBIT	26.4m	13.7m	4.5m	11.7m	(1.8m)	2.0m	3.5m	(4.0m)	2.7m	4.7m	3.6m	10.1m	8.0m	7.7m	2.5m	13.5m
EBIT margin, %	24%	16%	6%	14%	(3%)	3%	5%	(7%)	4%	7%	5%	15%	11%	10%	4%	16%
Interest expense	4.6m	5.0m	5.1m	5.0m	5.1m	5.2m	5.3m	5.5m	5.6m	6.2m				6.1m	6.8m	6.3m
Pre tax profit	21.3m	8.5m	(489.0k)	6.6m	(6.8m)	(3.0m)	(1.5m)	(9.3m)	(3.4m)	(1.4m)	(2.7m)	2.3m	1.9m	1.5m	(4.3m)	7.2m
Income tax expense	6.6m	2.8m	(161.0k)	2.5m	(2.3m)	(847.0k)	(755.0k)	(2.0m)	(2.6m)	(355.0k)	403.0k	777.0k	2.5m	(943.0k)	(4.4m)	1.4m
Net Income	14.8m	5.7m	(328.0k)	4.0m	(4.5m)	(2.2m)	(735.0k)	(7.3m)	(16.7m)	(6.1m)	(3.1m)	1.5m	(684.0k)	2.4m	112.0k	5.8m

Source: SEC Filings

Annual

USD	FY, 2014	FY, 2015	FY, 2016	FY, 2017	FY, 2018	FY, 2019
Cash	12.9m	13.6m	37.0m	23.2m	20.3m	18.7m
Accounts Receivable	43.5m	52.5m	31.5m	37.5m	43.8m	42.8m
Prepaid Expenses				4.0m	5.0m	6.3m
Inventories	21.6m	25.6m	19.4m	16.2m	9.8m	20.2m
Current Assets	88.7m	101.0m	92.4m	89.4m	84.5m	92.2m
PP&E	44.8m	52.1m	53.4m	49.3m	39.1m	42.1m
Goodwill	73.8m	73.1m	72.0m	53.6m	47.2m	47.2m
Total Assets	266.0m	280.4m	264.4m	234.0m	207.2m	213.5m
Accounts Payable	16.3m	17.8m	11.0m	16.5m	16.5m	16.5m
Short-term debt	6.3m	9.0m
Current Liabilities	36.6m	42.0m	35.3m	34.5m	41.3m	39.8m
Long-term debt	172.5m	300.0m	301.9m	303.9m	305.8m	307.8m
Total Debt	178.8m	309.0m	301.9m	303.9m	305.8m	307.8m
Total Liabilities	229.5m	367.0m	359.7m	353.6m	356.8m	365.9m
Common Stock				11.0k	11.0k	11.0k
Additional Paid-in Capital				(113.1m)	(112.2m)	(112.0m)
Retained Earnings	5.8m	36.7m	26.0m	(1.4m)	(36.0m)	(40.5m)
Total Equity	(21.7m)	(86.6m)	(95.3m)	(119.6m)	(149.6m)	(152.4m)
Debt to Equity Ratio	-8.2 x	-3.6 x	-3.2 x		-2 x
Debt to Assets Ratio	0.7 x	1.1 x	1.1 x		1.5 x
Financial Leverage	-12.3 x	-3.2 x	-2.8 x	-2 x	-1.4 x	-1.4 x

Source: SEC Filings

Quarterly

USD	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018	Q2, 2018	Q3, 2018	Q1, 2019	Q2, 2019	Q3, 2019	Q1, 2020	Q2, 2020	Q3, 2020
Cash	15.9m	26.9m	31.5m	21.3m	25.9m	17.9m	14.8m	20.2m	17.8m	12.8m	7.9m	17.5m	14.3m	46.9m	54.4m	50.3m
Accounts Receivable	53.5m	44.6m	36.0m	42.7m	34.0m	37.3m	42.7m	42.3m	43.6m	51.4m	45.2m	42.2m	44.8m	43.8m	45.3m	59.1m
Prepaid Expenses	3.7m	4.9m	4.8m	4.2m	5.1m	4.8m	3.9m	4.3m	3.9m	2.9m	4.9m	4.1m	4.0m	4.5m	4.2m	4.3m
Inventories	27.1m	23.7m	23.4m	23.4m	24.0m	22.1m	18.6m	8.6m	10.5m	10.5m	14.2m	14.9m	22.1m	19.1m	18.9m	20.2m
Current Assets	106.9m	101.1m	99.7m	92.8m	90.8m	85.8m	84.5m	84.3m	90.4m	84.3m	77.7m	84.0m	90.4m	120.0m	132.2m	141.7m
PP&E	49.8m	52.9m	53.3m	55.1m	53.5m	53.2m	51.3m	50.2m	40.0m	38.8m	45.6m	45.5m	43.7m	39.9m	37.6m	35.5m
Goodwill	73.4m	73.0m	72.6m	72.3m	72.1m	72.4m	72.6m	53.9m	47.2m	47.2m	47.2m	47.2m	47.2m	47.2m	47.2m	47.2m
Total Assets	289.3m	280.0m	277.1m	270.7m	261.8m	255.5m	251.5m	228.9m	215.6m	207.1m	205.6m	210.3m	213.7m	237.4m	246.5m	253.7m
Accounts Payable	19.6m	14.1m	14.4m	13.4m	12.8m	15.2m	13.5m	15.3m	15.7m	15.3m	17.1m	14.4m	14.8m	13.8m	15.0m	17.2m
Short-term debt	13.4m	9.0m	9.0m
Current Liabilities	51.2m	37.2m	42.8m	34.1m	38.7m	35.9m	31.5m	31.4m	40.4m	34.5m	36.3m	35.6m	36.9m	35.4m	44.9m	47.6m
Long-term debt	413.1m	300.5m	301.0m	301.4m	302.4m	302.9m	303.4m	304.4m	304.8m	305.3m	306.3m	306.8m	307.3m	338.4m	334.8m	335.8m
Total Debt	13.4m	9.0m	9.0m	301.4m	302.4m	302.9m	303.4m	304.4m	304.8m	305.3m	306.3m	306.8m	307.3m	338.4m	334.8m	335.8m
Total Liabilities	497.1m	362.2m	368.1m	359.7m	363.7m	361.3m	357.1m	352.3m	355.9m	349.5m	358.1m	359.8m	363.9m	387.4m	396.4m	399.1m
Common Stock	2.0k	56.0k	55.0k	55.0k	56.0k	56.0k	56.0k	11.0k	11.0k	11.0k	11.0k	11.0k	11.0k	11.0k	11.0k	11.0k
Additional Paid-in Capital	(245.3m)	(117.9m)	(116.8m)	(115.8m)	(114.4m)	(114.2m)	(113.7m)	(112.7m)	(112.4m)	(112.4m)	(112.1m)	(111.9m)	(111.9m)	(112.0m)	(111.9m)	(111.9m)
Retained Earnings	39.0m	39.8m	31.0m	32.5m	18.7m	14.0m	13.2m	(5.9m)	(22.6m)	(28.7m)	(39.1m)	(37.5m)	(38.2m)	(38.0m)	(37.9m)	(33.5m)
Total Equity	(210.1m)	(82.2m)	(91.0m)	(89.0m)	(101.9m)	(105.8m)	(105.6m)	(123.4m)	(140.3m)	(142.3m)	(152.5m)	(149.5m)	(150.1m)	(150.0m)	(149.9m)	(145.4m)
Debt to Equity Ratio	-0.1 x	-0.1 x	-0.1 x		-3 x	-2.9 x	-2.9 x	-2.5 x	-2.2 x	-2.1 x
Debt to Assets Ratio	0 x	0 x	0 x		1.2 x	1.2 x	1.2 x	1.3 x	1.4 x	1.5 x
Financial Leverage	-1.4 x	-3.4 x	-3 x	-3 x	-2.6 x	-2.4 x	-2.4 x	-1.9 x	-1.5 x	-1.5 x	-1.3 x	-1.4 x	-1.4 x	-1.6 x	-1.6 x	-1.7 x

Source: SEC Filings

Annual

USD	FY, 2014	FY, 2015	FY, 2016	FY, 2017	FY, 2018	FY, 2019
Net Income	13.3m	30.9m	5.4m	(22.0m)	(37.5m)	(4.5m)
Depreciation and Amortization	14.2m	16.0m	16.9m	18.0m	18.4m	17.0m
Accounts Receivable	(7.0m)	(9.6m)	19.8m	(5.5m)	(5.5m)	(688.0k)
Inventories	(5.8m)	(4.4m)	5.8m	3.6m	(2.0m)	(10.4m)
Accounts Payable	1.5m	1.7m	(6.4m)	5.3m	2.4m	1.1m
Cash From Operating Activities	26.6m	43.9m	60.0m	2.4m	7.1m	3.0m
Purchases of PP&E	(17.0m)	(18.7m)	(14.3m)	(8.8m)	(5.6m)	(4.2m)
Cash From Investing Activities	(71.8m)	(13.7m)	(14.3m)	(8.8m)	(5.6m)	(2.6m)
Short-term Borrowings						(11.5m)
Long-term Borrowings					(519.0k)	(1.9m)
Dividends Paid				(7.5m)
Cash From Financing Activities	48.5m	(29.4m)	(21.9m)	(7.9m)	(519.0k)	(1.9m)
Net Change in Cash				(13.7m)	(2.9m)	(1.6m)
Interest Paid			15.1m	18.5m	20.7m	23.0m
Income Taxes Paid			5.4m	30.0k	(657.0k)	780.0k

Source: SEC Filings

Quarterly

USD	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017	Q1, 2018	Q2, 2018	Q3, 2018	Q1, 2019	Q2, 2019	Q3, 2019	Q1, 2020	Q2, 2020	Q3, 2020
Net Income	33.2m	5.7m	5.4m	9.4m	(4.5m)	(6.7m)	(7.4m)	(7.3m)	(24.0m)	(30.1m)	(3.1m)	(1.5m)	(2.2m)	2.4m	2.5m	8.8m
Depreciation and Amortization	12.5m	4.1m	8.3m	12.5m	4.5m	9.1m	13.6m	5.2m	9.9m	14.1m	4.2m	8.5m	12.8m	4.2m	8.3m	12.4m
Accounts Receivable	(13.0m)	7.7m	15.9m	9.1m	(2.4m)	(5.5m)	(10.7m)	2.1m	(6.6m)	(13.0m)	(1.4m)	66.0k	(2.6m)	(911.0k)	(2.4m)	(16.2m)
Inventories	(5.7m)	2.0m	2.0m	2.0m	(4.6m)	(2.5m)	1.2m	681.0k	(2.5m)	(2.6m)	(4.4m)	(5.0m)	(12.3m)	521.0k	259.0k	(1.1m)
Accounts Payable	1.9m	(3.8m)	(3.6m)	(4.4m)	1.8m	3.3m	2.3m	(1.4m)	2.3m	2.1m	403.0k	(1.0m)	(358.0k)	(2.7m)	(1.7m)	921.0k
Cash From Operating Activities	44.4m	16.8m	33.2m	39.8m	(5.0m)	(8.3m)	(6.9m)	(1.8m)	(1.4m)	(1.8m)	(10.2m)	(957.0k)	(3.0m)	3.2m	12.0m	10.2m
Purchases of PP&E	(13.9m)	(3.8m)	(7.0m)	(12.4m)	(3.3m)	(5.8m)	(7.8m)	(1.2m)	(2.1m)	(5.0m)	(2.1m)	(2.7m)	(3.3m)	(938.0k)	(1.6m)	(3.3m)
Cash From Investing Activities	(8.9m)	(3.8m)	(7.0m)	(12.4m)	(3.3m)	(5.8m)	(7.8m)	(1.2m)	(2.1m)	(5.0m)	(2.1m)	(1.2m)	(1.8m)	(938.0k)	(1.6m)	(3.3m)
Short-term Borrowings											(5.0m)	(11.5m)	(11.5m)
Long-term Borrowings	(170.9m)							(129.0k)	(306.0k)	(388.0k)	(143.0k)	(663.0k)	(1.2m)	(593.0k)	(1.2m)	(1.8m)
Dividends Paid	(220.7m)		(2.5m)	(5.0m)	(2.5m)	(5.0m)	(7.5m)
Cash From Financing Activities	(32.5m)	239.0k	(8.1m)	(19.5m)	(2.9m)	(5.4m)	(7.9m)	(129.0k)	(306.0k)	(388.0k)	(143.0k)	(663.0k)	(1.2m)	26.0m	25.4m	24.8m
Net Change in Cash	2.9m	13.2m	17.9m	7.7m	(11.0m)	(19.0m)	(22.1m)	(3.0m)	(5.5m)	(10.4m)	(12.4m)	(2.8m)	(6.0m)	28.2m	35.8m	31.7m
Interest Paid		4.6m	6.3m	10.7m	4.5m	9.1m	13.7m	4.8m	9.8m	14.7m	5.7m	11.7m	17.3m	5.5m	11.5m	17.5m
Income Taxes Paid		(1.6m)	958.0k	1.1m	65.0k	1.2m	1.4m	(88.0k)	(1.5m)	(1.3m)	(41.0k)	340.0k	675.0k	(232.0k)	16.0k	946.0k

Source: SEC Filings

USD	FY, 2014
Debt/Equity	-8.2 x
Debt/Assets	0.7 x
Financial Leverage	-12.3 x

CPI Card Group's Customers was reported to be 4 k in FY, 2016.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017
Customers					3.25 k				4 k
EMV Financial Payment Card Shipments	65.29 m	24.90 m	49.80 m	41.20 m	156.62 m	41.40 m	22.50 m	22.60 m		18.30 m
Patent Applications					30				13
Patents (Foreign)									14
Patents (US)					19				18
Trademarks					27

Source: SEC Filings

Culture & Values

3.6

Work/Life Balance

3.6

Senior Management

3.5

Salary & Benefits

3.9

Career Opportunities

3.5

Source

View CPI Card Group profile

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CPI Card Group (PMTS) stock price, revenue, and financials

$4.17

$55 M

$82.7 M

CPI Card Group Revenue

CPI Card Group Revenue Breakdown

CPI Card Group Income Statement

Annual

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Revenue growth, %

Cost of goods sold

Gross profit

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CPI Card Group Balance Sheet

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