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CPI Card Group Inc.
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
▼ -13.2% over 5Y.
today you would have $712.85▼ -28.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 11 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $14.68 | $29.89 | $19.19 | $36.08 | $18.55 | $4.39 | $0.90 | $2.29 | $3.67 | $20.75 | $53.30 | |
| P/E | 11.7x | 11.7x | 18.2x | 9.5x | 11.6x | 13.6x | 3.0x | — | — | — | 43.2x |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Median P/E of 13.4 among peers in the sector.
Median P/E of 11.7 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
Sector median of 11.2x operating profit, less net debt. Sees the business before its financing, so debt does not distort the comparison. Banks have no EBITDA — interest is their revenue, not a cost.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| XRPNArmada Acquisition Corp. II | $10.55 | 105.5x | — | — | — | $333.27M |
| BCMLBayCom Corp | $30.29 | 25.2x | 1.0x | 3.96% | 3.93% | $330.77M |
| RREVRRE Ventures Acquisition Corp. | $9.92 | — | — | — | — | $330.67M |
| CEPVCantor Equity Partners V, Inc. | $10.38 |
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.
Company description provided by Yahoo Finance.
| — |
| P/S | 0.5x | 0.3x | 0.7x | 0.5x | 0.9x | 0.6x | 0.2x | 0.0x | 0.1x | 0.2x | 0.7x | 1.6x |
| EPS | $1.25 | $1.64 | $2.01 | $3.11 | $1.36 | $1.44 | -$0.46 | -$3.36 | -$1.98 | $0.48 | -$0.19 |
| Dividend yield | — | — | — | — | — | — | — | — | — | 12.26% | 4.34% | — |
| Payout | — | — | — | — | — | — | — | — | — | — | 187.50% | — |
| Profit margin | 4.06% | 2.75% | 4.06% | 5.40% | 7.68% | 4.25% | 5.17% | -1.84% | -14.64% | -8.64% | 1.75% | 8.25% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
Dividend growing 0.0% a year against a 8.6% required return, taken from the stock’s beta. The only method anchored on what the company pays rather than what it reports.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
5 methods answered, across 4 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
-6.3% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| 38.4x |
| — |
| — |
| — |
| $329.98M |
| BLUWBlue Water Acquisition Corp. III | $10.37 | 33.5x | — | — | — | $335.15M |
| FVCBFVCBankcorp, Inc. | $18.27 | 12.8x | 1.2x | 1.53% | 10.14% | $329.48M |