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CPI Card Group Q4: Unjustified Sell-Off Provides A Buying Opportunity
CPI Card Group reported Q4 results with weakness in financials due to customers' inventory management and cautious spending, in line with expectations when excluding a severance package. The company's 2024 outlook implies a recovery into growth in H2/2024 as short-term challenges start to subside. The stock had a significant sell-off, which was unjustified in my opinion. With the undervaluation only widening, I remain with a buy rating.
CPI Card Group Inc. (PMTS) Q4 Earnings and Revenues Lag Estimates
CPI Card Group Inc. (PMTS) came out with quarterly earnings of $0.23 per share, missing the Zacks Consensus Estimate of $0.30 per share. This compares to earnings of $1.06 per share a year ago.
CPI Card Group Inc. (PMTS) Expected to Beat Earnings Estimates: Should You Buy?
CPI Card Group Inc. (PMTS) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
CPI Card Group: Bullish Long-Term Future Despite Short-Term Challenges
CPI Card Group, a credit and debit card producer, has experienced impressive growth since the company's weak revenues in 2017, with revenues increasing at a CAGR of 13.7% since. The company reported weak revenues in Q3 2023 due to lower card volumes and customers' high inventory levels, with the challenges expected to continue into 2024. Despite short-term challenges, CPI Card Group seems to be a promising long-term investment with a currently very low valuation.
New Strong Sell Stocks for November 20th
AESI, GIB and PMTS have been added to the Zacks Rank #5 (Strong Sell) List on November 20, 2023.
CPI Card Group Inc. (PMTS) Q3 2023 Earnings Call Transcript
CPI Card Group Inc. (NASDAQ:PMTS ) Q3 2023 Earnings Conference Call November 7, 2023 9:00 AM ET Company Participants Mike Salop - Head, IR Scott Scheirman - President and CEO John Lowe - EVP, End-to-End Payment Solutions Jeff Hochstadt - CFO Conference Call Participants Jaeson Schmidt - Lake Street Hal Goetsch - B. Riley Securities Operator Welcome to CPI Card Group's Third Quarter 2023 Earnings Call.
CPI Card Group Inc. to Release Third Quarter Results on November 7, 2023
LITTLETON, Colo.--(BUSINESS WIRE)--CPI Card Group Inc. (Nasdaq: PMTS) (“CPI Card Group”), a payment technologies company and leading provider of credit, debit and prepaid solutions, today announced it will host a webcast and conference call on Tuesday, November 7, 2023 at 9:00 a.m. Eastern Time (ET) to discuss its third quarter 2023 financial results. Participating on the call will be President and Chief Executive Officer Scott Scheirman, Chief Financial Officer Jeff Hochstadt, and EVP, End-to-.
CPI Card Group: A Compelling Value Investment
Despite significant banking turmoil, PMTS grew 2nd qtr. revenue single digits and EBITDA mid-teens demonstrating its resilient recurring business model. Some of the company's 27% growth in 2022 was due to excessive channel inventory, which should dissipate in Q4 2023 unmasking secular growth. The new CEO should be a catalyst as they would reengage with investors bringing new institutional investors into the stock.
Why CPI Card Group Stock Soared 21% Today
CPI Card Group jumped high over a low bar for earnings results this morning. Sales were supposed to shrink, but grew modestly instead, allowing earnings to keep rising.
CPI Card Group - No Major Worries, Almost A Buy
The lingering effects of the regional banking crisis could see a sequential dip in PMTS's key metrics, from what was seen in Q1. The CPI Card Group's long-standing track record of generating superior operating leverage will persist over the next two years. The net leverage is in a much better place and FCF this year could double.
PMTS Financial details
PMTS Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2023-12-31
Metric | History | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 25.06 | 27.8 | 33.38 | 42.13 | 38.91 | |
Net income per share | -0.39 | 1.44 | 1.42 | 3.24 | 2.1 | |
Operating cash flow per share | 0.26 | 1.96 | 1.8 | 2.78 | 2.98 | |
Free cash flow per share | -0.12 | 1.33 | 0.9 | 1.19 | 2.42 | |
Cash per share | 1.68 | 5.13 | 1.84 | 0.98 | 1.09 | |
Book value per share | -13.74 | -12.29 | -10.77 | -7.27 | -4.55 | |
Tangible book value per share | -20.76 | -18.83 | -16.91 | -13.04 | -9.91 | |
Share holders equity per share | -13.74 | -12.29 | -10.77 | -7.27 | -4.55 | |
Interest debt per share | 30.39 | 32.25 | 30.1 | 28.41 | 26.19 | |
Market cap | 9.99M | 49.29M | 208.48M | 407.39M | 219.27M | |
Enterprise value | 299.08M | 328.4M | 491.43M | 687.57M | 501.88M | |
P/E ratio | -2.31 | 3.06 | 13.08 | 11.15 | 9.14 | |
Price to sales ratio | 0.04 | 0.16 | 0.56 | 0.86 | 0.49 | |
POCF ratio | 3.51 | 2.24 | 10.31 | 13 | 6.44 | |
PFCF ratio | -7.49 | 3.3 | 20.53 | 30.25 | 7.93 | |
P/B Ratio | -0.07 | -0.36 | -1.72 | -4.96 | -4.22 | |
PTB ratio | -0.07 | -0.36 | -1.72 | -4.96 | -4.22 | |
EV to sales | 1.08 | 1.05 | 1.31 | 1.45 | 1.13 | |
Enterprise value over EBITDA | 8.18 | 5.96 | 6.59 | 7.28 | 6.47 | |
EV to operating cash flow | 105.27 | 14.92 | 24.29 | 21.94 | 14.74 | |
EV to free cash flow | -224.2 | 22.01 | 48.39 | 51.05 | 18.16 | |
Earnings yield | -0.43 | 0.33 | 0.08 | 0.09 | 0.11 | |
Free cash flow yield | -0.13 | 0.3 | 0.05 | 0.03 | 0.13 | |
Debt to equity | -2.05 | -2.44 | -2.54 | -3.55 | -5.24 | |
Debt to assets | 1.46 | 1.27 | 1.15 | 0.98 | 0.89 | |
Net debt to EBITDA | 7.91 | 5.06 | 3.79 | 2.97 | 3.65 | |
Current ratio | 2.32 | 2.68 | 2.25 | 2.46 | 3.34 | |
Interest coverage | 0.79 | 1.51 | 1.94 | 2.67 | 2.29 | |
Income quality | -0.64 | 1.36 | 1.27 | 0.86 | 1.42 | |
Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
Payout ratio | 0 | 0 | 0 | 0 | 0 | |
Sales general and administrative to revenue | 0 | 0 | 0 | 0 | 0 | |
Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
Intangibles to total assets | 0.37 | 0.28 | 0.26 | 0.22 | 0.2 | |
Capex to operating cash flow | -1.47 | -0.32 | -0.5 | -0.57 | -0.19 | |
Capex to revenue | -0.02 | -0.02 | -0.03 | -0.04 | -0.01 | |
Capex to depreciation | -0.25 | -0.42 | -0.67 | -1.2 | -0.4 | |
Stock based compensation to revenue | 0 | 0 | 0 | 0.01 | 0.02 | |
Graham number | 10.98 | 19.93 | 18.54 | 23.01 | 14.65 | |
ROIC | 0.76 | 0.24 | 0.21 | 0.27 | 0.18 | |
Return on tangible assets | -0.03 | 0.08 | 0.08 | 0.16 | 0.1 | |
Graham Net | -27.21 | -25.41 | -26.1 | -24.17 | -22.34 | |
Working capital | 52.45M | 95.61M | 80.93M | 99.56M | 115.93M | |
Tangible asset value | -230.39M | -211.39M | -190.02M | -147.22M | -113.21M | |
Net current asset value | -273.71M | -251.65M | -243.46M | -211.17M | -192.9M | |
Invested capital | -2.05 | -2.44 | -2.54 | -3.55 | -5.24 | |
Average receivables | 48.18M | 56.05M | 63.3M | 71.12M | 77.24M | |
Average payables | 16.5M | 17.68M | 22.66M | 25.41M | 18.59M | |
Average inventory | 15.01M | 22.49M | 41.4M | 63.2M | 69.5M | |
Days sales outstanding | 61.69 | 76.12 | 59.83 | 61.96 | 60.53 | |
Days payables outstanding | 32.21 | 34.14 | 41.3 | 29.65 | 15.86 | |
Days of inventory on hand | 39.46 | 44.83 | 90.6 | 83.22 | 87.43 | |
Receivables turnover | 5.92 | 4.8 | 6.1 | 5.89 | 6.03 | |
Payables turnover | 11.33 | 10.69 | 8.84 | 12.31 | 23.02 | |
Inventory turnover | 9.25 | 8.14 | 4.03 | 4.39 | 4.17 | |
ROE | 0.03 | -0.12 | -0.13 | -0.45 | -0.46 | |
Capex per share | -0.38 | -0.63 | -0.9 | -1.58 | -0.56 |
Quarterly Fundamentals Overview
Last date of statement is 2023-12-31 for Q4
Metric | History | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 11.1 | 10.61 | 10.06 | 9.26 | 8.98 | |
Net income per share | 1.1 | 0.95 | 0.57 | 0.34 | 0.24 | |
Operating cash flow per share | 1.72 | 0.7 | 0.2 | 1.04 | 1.03 | |
Free cash flow per share | 1.42 | 0.34 | -0.01 | 1.09 | 1 | |
Cash per share | 0.97 | 1.24 | 0.98 | 0.92 | 1.08 | |
Book value per share | -7.21 | -6.21 | -5.51 | -4.96 | -4.54 | |
Tangible book value per share | -12.93 | -11.84 | -11.04 | -10.4 | -9.89 | |
Share holders equity per share | -7.21 | -6.21 | -5.51 | -4.96 | -4.54 | |
Interest debt per share | 26.22 | 26.22 | 26 | 25.02 | 24.37 | |
Market cap | 410.8M | 512.89M | 265.69M | 211.74M | 219.71M | |
Enterprise value | 690.98M | 784.71M | 538.94M | 480.58M | 502.33M | |
P/E ratio | 8.23 | 11.79 | 10.18 | 13.72 | 20.11 | |
Price to sales ratio | 3.25 | 4.24 | 2.31 | 2 | 2.14 | |
POCF ratio | 20.93 | 64.1 | 114.47 | 17.73 | 18.66 | |
PFCF ratio | 25.36 | 133.01 | -2.08K | 16.99 | 19.2 | |
P/B Ratio | -5.01 | -7.25 | -4.22 | -3.73 | -4.23 | |
PTB ratio | -5.01 | -7.25 | -4.22 | -3.73 | -4.23 | |
EV to sales | 5.47 | 6.49 | 4.69 | 4.54 | 4.88 | |
Enterprise value over EBITDA | 28.64 | 32.31 | 25.1 | 28.42 | 34.41 | |
EV to operating cash flow | 35.21 | 98.08 | 232.2 | 40.24 | 42.66 | |
EV to free cash flow | 42.66 | 203.5 | -4.21K | 38.56 | 43.89 | |
Earnings yield | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | |
Free cash flow yield | 0.04 | 0.01 | 0 | 0.06 | 0.05 | |
Debt to equity | -3.55 | -4.13 | -4.61 | -4.92 | -5.24 | |
Debt to assets | 0.98 | 0.98 | 0.97 | 0.96 | 0.89 | |
Net debt to EBITDA | 11.61 | 11.19 | 12.72 | 15.9 | 19.36 | |
Current ratio | 2.46 | 2.93 | 3.16 | 3.53 | 3.34 | |
Interest coverage | 3.11 | 3.04 | 2.6 | 1.93 | 1.58 | |
Income quality | 1.57 | 0.74 | 0.36 | 3.1 | 4.31 | |
Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
Payout ratio | 0 | 0 | 0 | 0 | 0 | |
Sales general and administrative to revenue | 0 | 0 | 0 | 0 | 0 | |
Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
Intangibles to total assets | 0.22 | 0.22 | 0.21 | 0.21 | 0.2 | |
Capex to operating cash flow | -0.17 | -0.52 | -1.06 | 0.04 | -0.03 | |
Capex to revenue | -0.03 | -0.03 | -0.02 | 0 | 0 | |
Capex to depreciation | -0.89 | -1.09 | -0.6 | 0.13 | -0.08 | |
Stock based compensation to revenue | 0 | 0 | 0.01 | 0.02 | 0.03 | |
Graham number | 13.33 | 11.54 | 8.41 | 6.14 | 4.93 | |
ROIC | 0.09 | 0.07 | 0.05 | 0.04 | 0.03 | |
Return on tangible assets | 0.05 | 0.05 | 0.03 | 0.02 | 0.01 | |
Graham Net | -23.97 | -23.06 | -22.56 | -21.92 | -22.3 | |
Working capital | 99.56M | 110.87M | 116.26M | 115.22M | 115.93M | |
Tangible asset value | -147.22M | -134.9M | -126.17M | -118.96M | -113.21M | |
Net current asset value | -211.17M | -200.61M | -192.99M | -187.99M | -192.9M | |
Invested capital | -3.55 | -4.13 | -4.61 | -4.92 | -5.24 | |
Average receivables | 79.31M | 78.49M | 75.76M | 71.42M | 70.64M | |
Average payables | 25.04M | 25.14M | 24.24M | 19.72M | 14.84M | |
Average inventory | 70.31M | 69.06M | 72.48M | 74.66M | 72.34M | |
Days sales outstanding | 57.48 | 56.77 | 58.94 | 57.42 | 64.5 | |
Days payables outstanding | 27.79 | 29.99 | 27.4 | 21.79 | 16.74 | |
Days of inventory on hand | 77.98 | 80.69 | 91.34 | 95.64 | 92.33 | |
Receivables turnover | 1.57 | 1.59 | 1.53 | 1.57 | 1.4 | |
Payables turnover | 3.24 | 3 | 3.28 | 4.13 | 5.38 | |
Inventory turnover | 1.15 | 1.12 | 0.99 | 0.94 | 0.97 | |
ROE | -0.15 | -0.15 | -0.1 | -0.07 | -0.05 | |
Capex per share | -0.3 | -0.36 | -0.21 | 0.05 | -0.03 |
PMTS Frequently Asked Questions
What is CPI Card Group Inc. stock symbol ?
CPI Card Group Inc. is a US stock , located in Littleton of Co and trading under the symbol PMTS
What is CPI Card Group Inc. stock quote today ?
CPI Card Group Inc. stock price is $17.86 today.
Is CPI Card Group Inc. stock public?
Yes, CPI Card Group Inc. is a publicly traded company.