Finance of America [FOA] vs CPI Card [PMTS] Detailed Stock Comparison
Finance of America
NYSE
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CPI Card
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Finance of America wins in 9 metrics, CPI Card wins in 8 metrics, with 0 ties. Finance of America appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Finance of America | CPI Card | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 3.22 | 13.73 | Finance of America |
| Price-to-Book Ratio | 0.76 | -5.93 | CPI Card |
| Debt-to-Equity Ratio | 2,306.87 | -12.45 | CPI Card |
| PEG Ratio | 0.00 | -0.15 | CPI Card |
| EV/EBITDA | N/A | 6.66 | N/A |
| Profit Margin (TTM) | 17.11% | 2.66% | Finance of America |
| Operating Margin (TTM) | 50.24% | 7.26% | Finance of America |
| EBITDA Margin (TTM) | 50.24% | 7.26% | Finance of America |
| Return on Equity | 60.90% | -54.80% | Finance of America |
| Return on Assets (TTM) | 0.76% | 10.32% | CPI Card |
| Free Cash Flow (TTM) | $-423.82M | $34.06M | CPI Card |
| 1-Year Return | 114.82% | -34.66% | Finance of America |
| Price-to-Sales Ratio (TTM) | 0.47 | 0.34 | CPI Card |
| Enterprise Value | $11.27B | $517.08M | Finance of America |
| EV/Revenue Ratio | 21.36 | 1.03 | CPI Card |
| Gross Profit Margin (TTM) | N/A | 30.92% | N/A |
| Revenue per Share (TTM) | $51 | $45 | Finance of America |
| Earnings per Share (Diluted) | $6.93 | $1.11 | Finance of America |
| Beta (Stock Volatility) | 1.51 | 1.37 | CPI Card |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Finance of America vs CPI Card Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Finance of America | 0.09% | -1.15% | -14.52% | -2.53% | 13.07% | -21.07% |
| CPI Card | 2.43% | 4.77% | 11.10% | -35.76% | -35.23% | -50.91% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Finance of America | 114.82% | 40.38% | -77.57% | -77.57% | -77.57% | -77.57% |
| CPI Card | -34.66% | -12.99% | 493.54% | -75.08% | -74.35% | -74.35% |
News Based Sentiment: Finance of America vs CPI Card
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.
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.
Performance & Financial Health Analysis: Finance of America vs CPI Card
| Metric | FOA | PMTS |
|---|---|---|
| Market Information | ||
| Market Cap | $247.07M | $175.28M |
| Market Cap Category | Micro cap | Micro cap |
| 10 Day Avg. Volume | 175,090 | 38,143 |
| 90 Day Avg. Volume | 142,687 | 41,131 |
| Last Close | $22.32 | $15.61 |
| 52 Week Range | $10.00 - $32.40 | $12.52 - $35.19 |
| % from 52W High | -31.11% | -55.64% |
| All-Time High | $116.65 (May 03, 2021) | $67.50 (Oct 12, 2015) |
| % from All-Time High | -80.87% | -76.87% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.24% | 0.09% |
| Quarterly Earnings Growth | 1.44% | -0.91% |
| Financial Health | ||
| Profit Margin (TTM) | 0.17% | 0.03% |
| Operating Margin (TTM) | 0.50% | 0.07% |
| Return on Equity (TTM) | 0.61% | -0.55% |
| Debt to Equity (MRQ) | 2,306.87 | -12.45 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $29.37 | $-2.56 |
| Cash per Share (MRQ) | $4.20 | $1.51 |
| Operating Cash Flow (TTM) | $-376,128,992 | $49.14M |
| Levered Free Cash Flow (TTM) | $15.49M | $15.27M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | $0.00 |
Valuation & Enterprise Metrics Analysis: Finance of America vs CPI Card
| Metric | FOA | PMTS |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 3.22 | 13.73 |
| Forward P/E | 8.38 | 5.40 |
| PEG Ratio | 0.00 | -0.15 |
| Price to Sales (TTM) | 0.47 | 0.34 |
| Price to Book (MRQ) | 0.76 | -5.93 |
| Market Capitalization | ||
| Market Capitalization | $247.07M | $175.28M |
| Enterprise Value | $11.27B | $517.08M |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 21.36 | 1.03 |
| Enterprise to EBITDA | N/A | 6.66 |
| Risk & Other Metrics | ||
| Beta | 1.51 | 1.37 |
| Book Value per Share (MRQ) | $29.37 | $-2.56 |
Financial Statements Comparison: Finance of America vs CPI Card
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) | FOA | PMTS |
|---|---|---|
| Revenue/Sales | $146.62M | $122.76M |
| Cost of Goods Sold | N/A | $82.07M |
| Gross Profit | N/A | $40.70M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $14.10M |
| EBITDA | N/A | $18.35M |
| Pre-Tax Income | $81.69M | $6.44M |
| Income Tax | $1.94M | $1.66M |
| Net Income (Profit) | $75.00M | $4.77M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | FOA | PMTS |
|---|---|---|
| Cash & Equivalents | $52.02M | $31.52M |
| Total Current Assets | N/A | $192.61M |
| Total Current Liabilities | N/A | $65.21M |
| Long-Term Debt | $27.77B | $280.66M |
| Total Shareholders Equity | $394.89M | $-29.72M |
| Retained Earnings | $-668.69M | $74.57M |
| Property, Plant & Equipment | N/A | $56.85M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | FOA | PMTS |
|---|---|---|
| Operating Cash Flow | $-96.47M | $23.88M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $-96.47M | $292,000 |
| Debt Repayment | $-2.86B | $-1.83M |
| Common Stock Repurchase | N/A | $0 |
Short Interest & Institutional Ownership Analysis
| Metric | FOA | PMTS |
|---|---|---|
| Shares Short | 541,234 | 144,725 |
| Short Ratio | 4.65 | 3.61 |
| Short % of Float | 0.11% | 0.02% |
| Average Daily Volume (10 Day) | 175,090 | 38,143 |
| Average Daily Volume (90 Day) | 142,687 | 41,131 |
| Shares Outstanding | 9.93M | 11.24M |
| Float Shares | 4.02M | 6.19M |
| % Held by Insiders | 0.26% | 0.03% |
| % Held by Institutions | 0.65% | 0.77% |
Dividend Analysis & Yield Comparison: Finance of America vs CPI Card
| Metric | FOA | PMTS |
|---|---|---|
| Last 12-Month Dividend | N/A | $0.00 |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | $0.00 |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | $0.00 |
| Ex-Dividend Date | N/A | N/A |