CPI Card Group Inc. | Micro-cap | Financial Services
$15.61
2.43%
| CPI Card Stock Comparison:
CPI Card vs VisaCPI Card vs MastercardCPI Card vs Finance of AmericaCPI Card vs Medallion FinancialCPI Card vs Consumer PortfolioCPI Card vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 122.8M
Gross Profit 40.7M 33.15%
Operating Income 14.1M 11.49%
Net Income 4.8M 3.89%
EPS (Diluted) $0.40

Balance Sheet Metrics

Total Assets 351.9M
Total Liabilities 381.6M
Shareholders Equity -29.7M

Cash Flow Metrics

Operating Cash Flow 23.9M
Free Cash Flow 292.0K

Revenue & Profitability Trend

CPI Card Income Statement From 2020 to 2024

Metric20242023202220212020
Revenue i480.6M444.5M475.7M375.1M312.2M
Cost of Goods Sold i309.4M289.1M300.0M233.7M201.9M
Gross Profit i171.2M155.5M175.8M141.4M110.3M
Gross Margin % i35.6%35.0%36.9%37.7%35.3%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i103.4M88.3M90.8M75.7M65.8M
Other Operating Expenses i-----
Total Operating Expenses i103.4M88.3M90.8M75.7M65.8M
Operating Income i62.8M61.6M79.1M59.5M38.4M
Operating Margin % i13.1%13.9%16.6%15.9%12.3%
Non-Operating Items
Interest Income i-----
Interest Expense i-26.9M29.6M30.6M25.4M
Other Non-Operating Income-3.7M-215.0K-367.0K-5.0M-109.0K
Pre-tax Income i25.0M34.5M49.1M23.8M12.9M
Income Tax i5.5M10.5M12.6M7.9M-3.3M
Effective Tax Rate % i22.0%30.4%25.7%33.1%-25.6%
Net Income i19.5M24.0M36.5M15.9M16.1M
Net Margin % i4.1%5.4%7.7%4.2%5.2%
Key Metrics
EBITDA i82.2M77.3M93.6M79.6M55.2M
EPS (Basic) i$1.75$2.10$3.24$1.42$1.44
EPS (Diluted) i$1.64$2.01$3.11$1.36$1.44
Basic Shares Outstanding i1115264811426124112912021123904911228707
Diluted Shares Outstanding i1115264811426124112912021123904911228707

Income Statement Trend

CPI Card Balance Sheet From 2020 to 2024

Metric20242023202220212020
Assets
Current Assets
Cash & Equivalents i33.5M12.4M11.0M20.7M57.6M
Short-term Investments i-----
Accounts Receivable i78.5M69.2M68.9M50.0M44.3M
Inventory i72.7M70.6M68.4M58.0M24.8M
Other Current Assets11.3M8.6M7.6M5.5M5.0M
Total Current Assets i203.0M165.4M167.6M145.7M152.5M
Non-Current Assets
Property, Plant & Equipment i47.4M43.8M33.2M21.2M17.2M
Goodwill i104.8M108.4M112.3M116.2M120.5M
Intangible Assets i10.5M14.1M18.0M21.9M26.2M
Long-term Investments-----
Other Non-Current Assets20.3M4.0M6.8M6.2M857.0K
Total Non-Current Assets i146.6M128.3M129.1M122.4M113.6M
Total Assets i349.7M293.7M296.7M268.1M266.2M
Liabilities
Current Liabilities
Accounts Payable i16.1M12.8M24.4M26.4M18.9M
Short-term Debt i9.1M7.3M5.7M4.1M12.4M
Current Portion of Long-term Debt-----
Other Current Liabilities-----
Total Current Liabilities i75.6M49.4M68.0M64.8M56.9M
Non-Current Liabilities
Long-term Debt i280.4M265.0M285.5M303.6M328.7M
Deferred Tax Liabilities i3.3M7.1M6.8M5.3M7.4M
Other Non-Current Liabilities26.0M24.0M18.4M15.5M11.2M
Total Non-Current Liabilities i309.7M296.2M310.7M324.4M347.3M
Total Liabilities i385.3M345.6M378.7M389.2M404.2M
Equity
Common Stock i11.0K11.0K11.0K11.0K11.0K
Retained Earnings i69.8M50.3M26.3M-10.2M-26.2M
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i-35.6M-51.9M-82.1M-121.0M-138.0M
Key Metrics
Total Debt i289.5M272.3M291.2M307.7M341.1M
Working Capital i127.5M115.9M99.6M80.9M95.6M

Balance Sheet Composition

CPI Card Cash Flow Statement From 2020 to 2024

Metric20242023202220212020
Operating Activities
Net Income i19.5M24.0M36.5M15.9M16.1M
Depreciation & Amortization i16.4M15.9M14.9M15.1M16.8M
Stock-Based Compensation i8.5M7.5M3.5M1.2M136.0K
Working Capital Changes i-9.4M-10.0M-28.1M-23.8M-20.9M
Operating Cash Flow i32.7M39.0M31.3M8.9M18.5M
Investing Activities
Capital Expenditures i-----7.1M
Acquisitions i----0
Investment Purchases i-----
Investment Sales i-----
Investing Cash Flow i36.0K183.0K95.0K156.0K-7.1M
Financing Activities
Share Repurchases i-8.7M-250.0K0--
Dividends Paid i-----
Debt Issuance i285.0M13.0M37.1M324.8M0
Debt Repayment i-273.1M-38.8M-58.3M-359.7M-2.6M
Financing Cash Flow i-13.0M-26.4M-23.2M-77.2M24.0M
Free Cash Flow i34.1M27.6M13.5M10.2M14.9M
Net Change in Cash i19.8M12.7M8.3M-68.2M35.4M

Cash Flow Trend

CPI Card Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 13.73
Forward P/E 5.40
Price to Book -5.93
Price to Sales 0.34
PEG Ratio -0.15

Profitability Ratios

Profit Margin 2.66%
Operating Margin 7.26%
Return on Equity -54.80%
Return on Assets 10.32%

Financial Health

Current Ratio 2.59
Debt to Equity -12.45
Beta 1.37

Per Share Data

EPS (TTM) $1.11
Book Value per Share $-2.56
Revenue per Share $44.82

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
pmts175.3M13.73-5.93-54.80%2.66%-12.45
Visa 679.0B34.1617.8651.76%52.16%65.02
Mastercard 524.7B39.1166.96176.95%44.93%240.92
Finance of America 247.1M3.220.7660.90%17.11%2,306.87
Medallion Financial 232.0M5.700.5810.25%12.59%432.28
Consumer Portfolio 177.4M9.650.576.66%10.11%1,126.18

Financial data is updated regularly. All figures are in the company's reporting currency.