CPI Card [PMTS] vs Finance of America [FOA] Detailed Stock Comparison
CPI Card
NASDAQ
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Finance of America
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: CPI Card wins in 8 metrics, Finance of America wins in 9 metrics, with 0 ties. Finance of America appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | CPI Card | Finance of America | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.73 | 3.22 | Finance of America |
| Price-to-Book Ratio | -5.93 | 0.76 | CPI Card |
| Debt-to-Equity Ratio | -12.45 | 2,306.87 | CPI Card |
| PEG Ratio | -0.15 | 0.00 | CPI Card |
| EV/EBITDA | 6.66 | N/A | N/A |
| Profit Margin (TTM) | 2.66% | 17.11% | Finance of America |
| Operating Margin (TTM) | 7.26% | 50.24% | Finance of America |
| EBITDA Margin (TTM) | 7.26% | 50.24% | Finance of America |
| Return on Equity | -54.80% | 60.90% | Finance of America |
| Return on Assets (TTM) | 10.32% | 0.76% | CPI Card |
| Free Cash Flow (TTM) | $34.06M | $-423.82M | CPI Card |
| 1-Year Return | -36.33% | 111.74% | Finance of America |
| Price-to-Sales Ratio (TTM) | 0.34 | 0.47 | CPI Card |
| Enterprise Value | $517.08M | $11.27B | Finance of America |
| EV/Revenue Ratio | 1.03 | 21.36 | CPI Card |
| Gross Profit Margin (TTM) | 30.92% | N/A | N/A |
| Revenue per Share (TTM) | $45 | $51 | Finance of America |
| Earnings per Share (Diluted) | $1.11 | $6.93 | Finance of America |
| Beta (Stock Volatility) | 1.37 | 1.51 | CPI Card |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
CPI Card vs Finance of America Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| CPI Card | -2.56% | 0.46% | 8.26% | -37.41% | -36.89% | -52.17% |
| Finance of America | -1.43% | -1.92% | -15.74% | -3.93% | 11.45% | -22.21% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| CPI Card | -36.33% | -15.22% | 478.33% | -75.72% | -75.00% | -75.00% |
| Finance of America | 111.74% | 38.36% | -77.89% | -77.89% | -77.89% | -77.89% |
News Based Sentiment: CPI Card vs Finance of America
CPI Card
News based Sentiment: MIXED
September was a month of conflicting signals for CPI Card Group, with positive analyst ratings and institutional investment countered by negative earnings guidance, downgrades, and a legal investigation. This creates a complex investment picture requiring careful monitoring and a balanced assessment of risks and opportunities.
Finance of America
News based Sentiment: MIXED
September presented a mixed bag for Finance of America, with strong revenue and debt management overshadowed by an earnings miss and a declining stock price. While institutional investors continue to show confidence, the insider sale and analyst downgrades introduce caution, making it a moderately significant month for investors.
Performance & Financial Health Analysis: CPI Card vs Finance of America
| Metric | PMTS | FOA |
|---|---|---|
| Market Information | ||
| Market Cap | $175.28M | $247.07M |
| Market Cap Category | Micro cap | Micro cap |
| 10 Day Avg. Volume | 38,143 | 175,090 |
| 90 Day Avg. Volume | 41,131 | 142,687 |
| Last Close | $15.21 | $22.00 |
| 52 Week Range | $12.52 - $35.19 | $10.00 - $32.40 |
| % from 52W High | -56.78% | -32.10% |
| All-Time High | $67.50 (Oct 12, 2015) | $116.65 (May 03, 2021) |
| % from All-Time High | -77.47% | -81.14% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | 1.24% |
| Quarterly Earnings Growth | -0.91% | 1.44% |
| Financial Health | ||
| Profit Margin (TTM) | 0.03% | 0.17% |
| Operating Margin (TTM) | 0.07% | 0.50% |
| Return on Equity (TTM) | -0.55% | 0.61% |
| Debt to Equity (MRQ) | -12.45 | 2,306.87 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $-2.56 | $29.37 |
| Cash per Share (MRQ) | $1.51 | $4.20 |
| Operating Cash Flow (TTM) | $49.14M | $-376,128,992 |
| Levered Free Cash Flow (TTM) | $15.27M | $15.49M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | $0.00 | N/A |
Valuation & Enterprise Metrics Analysis: CPI Card vs Finance of America
| Metric | PMTS | FOA |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.73 | 3.22 |
| Forward P/E | 5.40 | 8.38 |
| PEG Ratio | -0.15 | 0.00 |
| Price to Sales (TTM) | 0.34 | 0.47 |
| Price to Book (MRQ) | -5.93 | 0.76 |
| Market Capitalization | ||
| Market Capitalization | $175.28M | $247.07M |
| Enterprise Value | $517.08M | $11.27B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.03 | 21.36 |
| Enterprise to EBITDA | 6.66 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.37 | 1.51 |
| Book Value per Share (MRQ) | $-2.56 | $29.37 |
Financial Statements Comparison: CPI Card vs Finance of America
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PMTS | FOA |
|---|---|---|
| Revenue/Sales | $122.76M | $146.62M |
| Cost of Goods Sold | $82.07M | N/A |
| Gross Profit | $40.70M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $14.10M | N/A |
| EBITDA | $18.35M | N/A |
| Pre-Tax Income | $6.44M | $81.69M |
| Income Tax | $1.66M | $1.94M |
| Net Income (Profit) | $4.77M | $75.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PMTS | FOA |
|---|---|---|
| Cash & Equivalents | $31.52M | $52.02M |
| Total Current Assets | $192.61M | N/A |
| Total Current Liabilities | $65.21M | N/A |
| Long-Term Debt | $280.66M | $27.77B |
| Total Shareholders Equity | $-29.72M | $394.89M |
| Retained Earnings | $74.57M | $-668.69M |
| Property, Plant & Equipment | $56.85M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PMTS | FOA |
|---|---|---|
| Operating Cash Flow | $23.88M | $-96.47M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $292,000 | $-96.47M |
| Debt Repayment | $-1.83M | $-2.86B |
| Common Stock Repurchase | $0 | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PMTS | FOA |
|---|---|---|
| Shares Short | 144,725 | 541,234 |
| Short Ratio | 3.61 | 4.65 |
| Short % of Float | 0.02% | 0.11% |
| Average Daily Volume (10 Day) | 38,143 | 175,090 |
| Average Daily Volume (90 Day) | 41,131 | 142,687 |
| Shares Outstanding | 11.24M | 9.93M |
| Float Shares | 6.19M | 4.02M |
| % Held by Insiders | 0.03% | 0.26% |
| % Held by Institutions | 0.77% | 0.65% |
Dividend Analysis & Yield Comparison: CPI Card vs Finance of America
| Metric | PMTS | FOA |
|---|---|---|
| Last 12-Month Dividend | $0.00 | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | $0.00 | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | $0.00 | N/A |
| Ex-Dividend Date | N/A | N/A |