PMTS · NASDAQ · Financial - Credit Services

CPI Card Group

Provides secure cards, prepaid packaging, instant issuance, and digital provisioning for U.S. payment programs.

$28.83
After-hours close+0.11 (+0.38%)
At close$28.72(−0.79%)
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Profile

CPI Card Group Inc.PMTSFinancials

Sells debit, credit, and prepaid card issuance services to U.S. financial institutions, processors, fintechs, and prepaid program managers. The business combines secure card production, personalization, fulfillment, Card@Once instant issuance, eco-focused materials, and newer integrated paytech services.

Builds and personalizes debit, credit, and prepaid payment cards for U.S. financial institutions, processors, fintechs, and prepaid program managers. Current reporting is organized around Secure Card Solutions, Prepaid Solutions, and Integrated Paytech.

Card@Once adds SaaS-based instant issuance for in-branch, on-demand cards, with digital push provisioning into mobile wallets. Eco-focused Earth Elements cards and Arroweye's on-demand personalization broaden the physical-card and fulfillment portfolio.

Execution depends on secure manufacturing, payment-card expertise, customer service, and compliance with payment-network and PCI data-security requirements. Order timing, material and labor costs, tariffs, competition, and customer inventory practices shape reported results.

Company facts

CEOJohn Lowe
ListedOct 9, 2015
ExchangeNASDAQ
HeadquartersLittleton, CO
CountryUnited States
Employees1,700
CIK0001641614
ISINUS12634H2004

Key statistics

Market cap$330.8M
EPS (ttm)$1.15
P/E (ttm)25.07
ROE-80.3%
P/B−28.83
P/S0.5633
Dividend yield
Beta1.35vs XLF 0.41

Year to date +102% · Average volume (30d) 89.9K

Analysts

Price target, next 12 months$32.00+11.0%Median of 11 analysts · vs the Aug 28 close
ConsensusBuy6 of 11 analysts rate it buy or better

Ratings

Target range

Latest analyst notes

DateFirmActionRatingPrior targetTarget
Aug 11, 2026Roth CapitalReiterateBuy$25$32
Aug 11, 2026DA DavidsonReiterateBuy$30$34
May 6, 2026Lake StreetTarget$25$27
May 5, 2026Roth CapitalTarget$30$25
Nov 5, 2025Lake StreetReiterateBuy$25

Earnings

EPS

Estimate$0.84
ReportedDue Nov 3, 2026

Revenue

Estimate$149.7M
ReportedDue Nov 3, 2026

History

Report dateEPS estEPSSurpriseRevenue estRevenueSurpriseNext session
Aug 6, 2026Q2 FY26$0.46$0.43−6.7%$143.9M$149.2M+3.7%+7.57%
May 5, 2026Q1 FY26$0.24$0.38+58.3%$134.7M$147.1M+9.2%−5.13%
Mar 5, 2026Q4 FY25$0.50$0.77+54.0%$145.2M$153.1M+5.4%−11.82%
Nov 4, 2025Q3 FY25$0.63$0.47−25.4%$145.2M$138.0M−5.0%+2.30%
View details

Financial highlights

12 quartersQ1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$122.8M$129.8M$138.0M$153.1M$147.1M$149.2M
Gross profit$40.7M$40.1M$41.0M$48.3M$44.1M$48.5M
Operating income$14.1M$9.4M$13.0M$18.3M$11.0M$11.9M
Net income$4.8M$518.0K$2.3M$7.4M$2.1M$2.0M
Diluted EPS$0.40$0.04$0.19$0.62$0.17$0.17
Gross margin33.2%30.9%29.7%31.5%30.0%32.5%
Operating margin11.5%7.3%9.4%12.0%7.5%8.0%

Fiscal years (4-quarter sums)FY21 $375.1M · FY22 $475.7M · FY23 $444.5M · FY24 $480.6M · FY25 $543.5M

Revenue by product · FY25

Debit And Credit$451.5M · 83%
Prepaid Debit$93.6M · 17%

Balance sheet, Jun 30, 2026Cash & short-term investments $21.4M · Total debt $275.2M · Total assets $390.4M · Shareholders' equity −$11.5M

Dividends

No dividends on record.

Ownership

Institutions 24.01%2.76M sharesInsiders 5.07%582.0K sharesOther 70.92%8.14M shares

Shares outstanding 11.48M · Float 5.97M · 52.0% free float

A Form 4 total here can count shares the filer formally disclaims — an award voted by proxy, for instance — which the holder's own Schedule 13D/G excludes, so where the two disagree the schedule's smaller figure is used.

Top shareholders13F · 13D/G · Form 4

HolderShares% outstandingFormFiled
Parallel49 Equity, ULC2.69M23.60%13GJan 14, 2026
Tricor Pacific Capital Inc.2.18M19.10%13DDec 18, 2025
Tricor PMT25 Holdings Inc. · 10 percent owner2.18M18.96%Form 4Dec 18, 2025
Pacific Ridge Capital Partners, LLC466.0K4.06%13FMay 11, 2026
BlackRock, Inc.431.4K3.76%13FMay 13, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
May 19, 2026H. Sanford Rileydirector, other: Non-Executive Chairman+11,900$16.00
May 11, 2026Donna Abbey Carmignaniofficer: Controller & Chief Acct. Off.−4,870$15.32
Dec 4, 2025Equity ULC Parallel4910 percent owner−2,126,056$13.51
Dec 4, 2025H. Sanford Rileydirector, other: Non-Executive Chairman+200,000$13.51
Nov 6, 2025H. Sanford Rileydirector, other: Non-Executive Chairman+10,000$14.20
View details

Peers

  • GPGI

    Direct peer in premium secure card manufacturing

  • Fiserv

    Card issuing, processing, and instant-issuance overlap

  • FIS

    Issuer-processing scale overlaps digital card infrastructure

  • Smurfit Westrock

    Prepaid/card packaging overlap through WestRock roots

CompareAfter-hours close

CompanyPriceChange
CPI Card Group$28.83+0.38%$330.8M25.18.10.6+15.0%
GPGI$13.25+0.08%$3.84B12.1
Fiserv$53.30+0.24%$28.36B10.27.21.4−10.0%
FIS$41.31−0.33%$21.42B6.36.51.7+29.1%
Smurfit Westrock$48.20−0.21%$25.33B51.416.30.8+1.7%
Median10.29.61.4+1.7%