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CPI Card Group Inc

Company price
25.44 USD 0.10 ( 0.39%)
Last update at 2026-11-12T15:30:00Z
VOLUME
22960
Market Cap
281.57M
P/E
21.12

Momentum Score

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CPI Card Group Inc., together with its subsidiaries, provides physical and digital payment solutions for financial institutions, processors, fintechs, prepaid program managers, and other organizations in the United States. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces secure debit and credit cards, such as contact, contactless, eco-focused, and magnetic stripe cards; and provides card services, including digital services. This segment also provides personalization services, which include instant issuance solutions that provide customers with the ability to issue an instant personalized debit or credit card on-demand; and other payment solutions, such as digital push provisioning for mobile wallets. The Prepaid Debit segment primarily provides integrated card services comprising tamper-evident security packaging services. It also produces payment cards issued on the networks of the payment card brands. The company offers card data personalization and fulfillment services, SaaS -based instant card issuance and other digital solutions, an integrated end-to-end on-demand payment card solution, and Card@Once, a proprietary and patented SaaS -based instant card issuance system. It serves issuers of debit and credit cards, prepaid program managers, financial institution platform providers and card processor organizations, fintechs, small to mid-sized financial institutions, healthcare providers, entertainment venues, government disbursements, transit services, and others through sales representatives, customer relationships, and partners. The company was formerly known as CPI Holdings I, Inc. and changed its name to CPI Card Group Inc. in August 2015. CPI Card Group Inc. was incorporated in 2007 and is headquartered in Littleton, Colorado.

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Day Price Range
24.92
Low
25.85
High
52 Week Price Range
10.81
Low
31.25
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

CPI Card Group Inc manufactures and personalizes secure payment cards and provides related issuance services with U.S.-based production and personalization capabilities. Long-term growth may be supported by ongoing EMV and contactless adoption, security and regulatory demand for domestic suppliers, and recurring replacement and personalization contracts, which may appeal to investors seeking exposure to a specialized payments supply-chain provider.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
25.34
Dividend Yield
-
Revenue TTM
587.31M
Revenue Per Share
51.40
Gross Profit TTM
179.39M
Debt / Equity
-19.47
ROE
-
Net Debt
315.77M
ROCE
17.19%
Diluted EPS TTM
1.15

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 21.61M 25.03M 34.46M 49.15M 23.82M
Net income 14.95M 19.52M 23.98M 36.54M 15.94M
Selling general administrative 115.25M 103.40M 88.18M 90.78M 75.70M
Gross profit 170.10M 171.22M 155.49M 175.77M 141.43M
Reconciled depreciation 22.46M 16.42M 15.74M 14.89M 15.10M
Ebit 54.84M 62.79M 61.38M 79.13M 59.46M
Ebitda 77.30M 79.21M 77.31M 94.49M 74.58M
Depreciation and amortization 22.46M 16.42M 15.93M 15.36M 15.11M
Non operating income net other - - - -0.37M -5.03M
Operating income 54.84M 62.79M 61.59M 79.13M 59.46M
Other operating expenses 488.69M 417.81M 382.96M 396.62M 315.65M
Interest expense 32.47M 34.09M 26.91M 29.62M 30.61M
Tax provision 6.66M 5.51M 12.32M 12.61M 7.88M
Net interest income -32.47M -34.09M -27.52M -29.62M -30.61M
Income tax expense 6.66M 5.51M 10.48M 12.61M 7.88M
Total revenue 543.53M 480.60M 444.55M 475.75M 375.12M
Total operating expenses 115.25M 108.43M 93.90M 96.64M 81.96M
Cost of revenue 373.44M 309.38M 289.06M 299.98M 233.69M
Total other income expense net -33.23M -37.77M -27.13M -29.98M -35.64M
Net income from continuing ops 14.95M 19.52M 33.73M 36.54M 15.94M
Net income applicable to common shares - - - 36.54M 15.94M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 403.19M 349.66M 306.34M 296.67M 268.14M
Intangible assets 18.54M 10.49M 14.12M 17.99M 21.85M
Other current assets 15.56M 11.35M 8.65M 7.38M 5.52M
Total liab 420.52M 385.28M 358.28M 378.74M 389.16M
Total stockholder equity -17.33M -35.62M -51.94M -82.08M -121.02M
Deferred long term liab - - - 6.81M 5.25M
Other current liab 39.92M 48.05M 28.48M 34.37M 33.04M
Common stock 0.01M 0.01M 0.01M 0.01M 0.01M
Capital stock 0.01M 0.01M 0.01M 0.01M 0.01M
Retained earnings 84.75M 69.80M 50.28M 26.29M -10.25M
Other liab - - - 8.95M 7.39M
Good will 48.76M 47.15M 47.15M 47.15M 47.15M
Other assets - - - 6.78M 6.18M
Cash 21.70M 33.54M 12.41M 11.04M 20.68M
Total current liabilities 84.10M 75.59M 49.45M 68.01M 64.78M
Current deferred revenue 3.92M 1.49M 0.84M 3.57M 1.18M
Net debt 315.77M 255.93M 282.61M 280.18M 282.94M
Short term debt 12.46M 9.06M 7.32M 5.70M 4.11M
Short long term debt total 337.47M 289.47M 295.03M 291.22M 303.63M
Other stockholder equity -102.09M -105.43M -102.22M -108.38M -110.78M
Property plant equipment - - - 57.18M 47.25M
Total current assets 204.94M 203.04M 165.38M 167.57M 145.70M
Net tangible assets - - - -147.22M -190.02M
Net receivables 95.44M 85.49M 73.72M 80.75M 61.49M
Long term debt 286.67M 280.40M 265.00M 285.52M 303.63M
Inventory 72.24M 72.66M 70.59M 68.40M 58.01M
Accounts payable 27.80M 16.12M 12.80M 24.37M 26.44M
Accumulated other comprehensive income - -105.43M -102.22M - -
Common stock total equity - - - 0.01M 0.01M
Retained earnings total equity - - - 26.29M -10.25M
Non currrent assets other 22.51M 20.32M 3.98M -0.03M 6.18M
Non current assets total 198.25M 146.62M 140.96M 129.10M 122.44M
Capital lease obligations 12.46M 9.06M 7.32M 5.70M 4.11M
Long term debt total - - - 285.52M 303.63M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -9.22M -9.32M -17.77M -9.92M
Change to liabilities - - - 2.13M 26.97M
Total cashflows from investing activities -65.13M -9.22M -6.22M -17.77M -9.92M
Net borrowings -3.37M 11.88M -25.82M -21.88M -15.06M
Total cash from financing activities -6.22M -12.96M -26.44M -23.16M -47.23M
Change to operating activities - - - -0.47M 6.35M
Net income 14.95M 19.52M 23.98M 36.54M 15.94M
Change in cash -11.84M 21.13M 1.38M -9.65M -36.92M
Begin period cash flow 33.54M 12.41M 11.04M 20.68M 57.60M
End period cash flow 21.70M 33.54M 12.41M 11.04M 20.68M
Total cash from operating activities 59.50M 43.31M 34.04M 31.34M 20.23M
Depreciation 22.46M 16.42M 15.93M 14.89M 15.10M
Other cashflows from investing activities -18.11M 0.04M 0.18M 0.10M 0.16M
Change to inventory 3.61M -1.99M -1.64M -10.70M -33.39M
Change to account receivables -0.69M -11.79M 6.79M -19.75M -6.36M
Sale purchase of stock 0.00M -8.68M -0.25M - -
Other cashflows from financing activities -1.98M -16.16M -0.37M 35.13M 312.44M
Change to netincome - - - 6.60M 4.36M
Capital expenditures 18.18M 9.26M 6.41M 17.87M 10.07M
Change receivables - - - -19.75M -6.36M
Cash flows other operating - - - -0.31M -4.75M
Cash and cash equivalents changes - - - -9.60M -36.92M
Change in working capital 7.32M -7.54M -15.16M -28.62M -17.53M
Stock based compensation 6.96M 8.54M 7.51M 3.48M 1.25M
Other non cash items 2.20M 10.30M 1.44M 3.50M 7.63M
Free cash flow 41.33M 34.06M 27.64M 13.47M 10.15M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
PMTS
CPI Card Group Inc
0.10
0.39%
25.44 21.12 7.04 0.48 - 0.91 6.72
V
Visa Inc. Class A
0.88
0.21%
426.43 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc
0.82
0.12%
661.55 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company
-0.92
0.28%
322.54 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation
1.12
0.57%
196.96 11.39 8.75 2.64 1.11 2.76 -

Profile*

CPI Card Group Inc

CPI Card Group Inc., together with its subsidiaries, provides physical and digital payment solutions for financial institutions, processors, fintechs, prepaid program managers, and other organizations in the United States. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces secure debit and credit cards, such as contact, contactless, eco-focused, and magnetic stripe cards; and provides card services, including digital services. This segment also provides personalization services, which include instant issuance solutions that provide customers with the ability to issue an instant personalized debit or credit card on-demand; and other payment solutions, such as digital push provisioning for mobile wallets. The Prepaid Debit segment primarily provides integrated card services comprising tamper-evident security packaging services. It also produces payment cards issued on the networks of the payment card brands. The company offers card data personalization and fulfillment services, SaaS -based instant card issuance and other digital solutions, an integrated end-to-end on-demand payment card solution, and Card@Once, a proprietary and patented SaaS -based instant card issuance system. It serves issuers of debit and credit cards, prepaid program managers, financial institution platform providers and card processor organizations, fintechs, small to mid-sized financial institutions, healthcare providers, entertainment venues, government disbursements, transit services, and others through sales representatives, customer relationships, and partners. The company was formerly known as CPI Holdings I, Inc. and changed its name to CPI Card Group Inc. in August 2015. CPI Card Group Inc. was incorporated in 2007 and is headquartered in Littleton, Colorado.

10368 West Centennial Road, Littleton, CO, United States, 80127

720 681 6304

1700

Name Title Year Born
Mr. Scott T. Scheirman Pres, CEO & Director 1963
Mr. Lane R. Dubin Sr. VP and GM of Prepaid, Personalization Solutions & Instant Issuance 1969
Mr. John D. Lowe CFA, CPA Sr. VP & GM of Secure Card 1977
Mr. Amintore T. X. Schenkel Chief Financial Officer 1967
Ms. Donna Renee Abbey Chief Accounting Officer & Controller 1976
Ms. Sarah Elizabeth Williams Chief Technology Officer 1976
Jennifer Almquist Head of Investor Relations NA
Ms. Sarah J. Kilgore Chief Legal & Compliance Officer and Corp. Sec. 1969
Ms. Beth Starkey Chief Marketing Officer NA
Ms. Sonya Vollmer Chief HR Officer 1974

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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