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CPI Card Group (PMTS) Ratios
CPI Card Group Ratios
PMTS's free cash flow for Q2 2026 was $25.92M. For the 2026 fiscal year, PMTS's free cash flow was decreased by $-2.58M and operating cash flow was $28.50M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 2.44 | 2.69 | 3.34 | 2.46 | 2.25 |
| Quick Ratio | 1.58 | 1.72 | 1.92 | 1.46 | 1.35 |
| Cash Ratio | 0.26 | 0.44 | 0.25 | 0.16 | 0.32 |
| Solvency Ratio | 0.09 | 0.09 | 0.12 | 0.14 | 0.08 |
| Operating Cash Flow Ratio | 0.71 | 0.57 | 0.69 | 0.46 | 0.31 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -215.58M | $ -182.24M | $ -180.24M | $ -211.17M | $ -243.46M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.84 | 0.83 | 0.93 | 0.98 | 1.15 |
| Debt-to-Equity Ratio | -19.47 | -8.13 | -5.24 | -3.55 | -2.54 |
| Debt-to-Capital Ratio | 1.05 | 1.14 | 1.24 | 1.39 | 1.65 |
| Long-Term Debt-to-Capital Ratio | 1.06 | 1.15 | 1.24 | 1.40 | 1.66 |
| Financial Leverage Ratio | -23.26 | -9.82 | -5.65 | -3.61 | -2.22 |
| Debt Service Coverage Ratio | 2.18 | 2.16 | 2.48 | 2.74 | 2.18 |
| Interest Coverage Ratio | 1.69 | 1.84 | 2.29 | 2.67 | 1.94 |
| Debt to Market Cap | 1.72 | 0.84 | 1.21 | 0.70 | 1.46 |
| Interest Debt Per Share | 32.66 | 29.01 | 26.19 | 28.41 | 30.10 |
| Net Debt to EBITDA | 4.08 | 3.23 | 3.36 | 2.99 | 3.85 |
| Profitability Margins | |||||
| Gross Profit Margin | 31.29% | 35.63% | 34.98% | 36.95% | 37.70% |
| EBIT Margin | 10.09% | 13.07% | 13.81% | 16.56% | 15.85% |
| EBITDA Margin | 14.22% | 16.48% | 17.39% | 19.68% | 19.88% |
| Operating Profit Margin | 10.09% | 13.07% | 13.85% | 16.63% | 15.85% |
| Pretax Profit Margin | 3.98% | 5.21% | 7.75% | 10.33% | 6.35% |
| Net Profit Margin | 2.75% | 4.06% | 5.40% | 7.68% | 4.25% |
| Continuous Operations Profit Margin | 2.75% | 4.06% | 5.40% | 7.68% | 4.25% |
| Net Income Per EBT | 69.19% | 78.00% | 69.60% | 74.35% | 66.92% |
| EBT Per EBIT | 39.40% | 39.86% | 55.95% | 62.11% | 40.06% |
| Return on Assets (ROA) | 3.71% | 5.58% | 8.17% | 12.32% | 5.95% |
| Return on Equity (ROE) | -86.25% | -54.80% | -46.18% | -44.52% | -13.17% |
| Return on Capital Employed (ROCE) | 17.19% | 22.91% | 25.22% | 34.61% | 29.24% |
| Return on Invested Capital (ROIC) | 11.45% | 17.30% | 17.04% | 25.10% | 19.18% |
| Return on Tangible Assets | 4.45% | 6.68% | 10.32% | 15.78% | 8.01% |
| Earnings Yield | 8.99% | 5.86% | 10.94% | 8.97% | 7.65% |
| Efficiency Ratios | |||||
| Receivables Turnover | 5.70 | 5.62 | 6.03 | 5.90 | 6.10 |
| Payables Turnover | 13.43 | 19.19 | 22.58 | 12.31 | 8.84 |
| Inventory Turnover | 5.17 | 4.26 | 4.09 | 4.39 | 4.03 |
| Fixed Asset Turnover | 5.01 | 7.00 | 7.05 | 8.32 | 7.94 |
| Asset Turnover | 1.35 | 1.37 | 1.51 | 1.60 | 1.40 |
| Working Capital Turnover Ratio | 4.38 | 3.95 | 4.13 | 5.27 | 4.25 |
| Cash Conversion Cycle | 107.53 | 131.63 | 133.51 | 115.40 | 109.13 |
| Days of Sales Outstanding | 64.09 | 64.93 | 60.53 | 61.82 | 59.83 |
| Days of Inventory Outstanding | 70.61 | 85.72 | 89.14 | 83.22 | 90.60 |
| Days of Payables Outstanding | 27.17 | 19.02 | 16.17 | 29.65 | 41.30 |
| Operating Cycle | 134.70 | 150.65 | 149.67 | 145.05 | 150.43 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.25 | 3.88 | 2.98 | 2.78 | 1.80 |
| Free Cash Flow Per Share | 3.65 | 3.05 | 2.42 | 1.19 | 0.90 |
| Dividend Paid and CapEx Coverage Ratio | 3.27 | 4.68 | 5.31 | 1.75 | 2.01 |
| Capital Expenditure Coverage Ratio | 3.27 | 4.68 | 5.31 | 1.75 | 2.01 |
| Operating Cash Flow Coverage Ratio | 0.18 | 0.15 | 0.13 | 0.11 | 0.07 |
| Operating Cash Flow to Sales Ratio | 0.11 | 0.09 | 0.08 | 0.07 | 0.05 |
| Free Cash Flow Yield | 24.85% | 10.22% | 12.60% | 3.31% | 4.87% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.12 | 17.08 | 9.14 | 11.15 | 13.08 |
| Price-to-Sales (P/S) Ratio | 0.31 | 0.69 | 0.49 | 0.86 | 0.56 |
| Price-to-Book (P/B) Ratio | -9.59 | -9.36 | -4.22 | -4.96 | -1.72 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 4.02 | 9.79 | 7.93 | 30.25 | 20.53 |
| Price-to-Operating Cash Flow Ratio | 2.79 | 7.70 | 6.44 | 13.00 | 10.31 |
| Price-to-Earnings Growth (PEG) Ratio | -0.45 | -1.02 | -0.26 | 0.09 | -9.42 |
| Enterprise Value Multiple | 6.24 | 7.44 | 6.20 | 7.34 | 6.65 |
| Enterprise Value | 482.05M | 589.28M | 479.17M | 687.57M | 495.54M |
| EV to EBITDA | 6.24 | 7.44 | 6.20 | 7.34 | 6.65 |
| EV to Sales | 0.89 | 1.23 | 1.08 | 1.45 | 1.32 |
| EV to Free Cash Flow | 11.66 | 17.30 | 17.34 | 51.05 | 48.80 |
| EV to Operating Cash Flow | 8.10 | 13.61 | 14.08 | 21.94 | 24.50 |
| Tangible Book Value Per Share | -7.47 | -8.36 | -9.91 | -13.04 | -16.91 |
| Shareholders’ Equity Per Share | -1.53 | -3.19 | -4.55 | -7.27 | -10.77 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.31 | 0.22 | 0.30 | 0.26 | 0.33 |
| Revenue Per Share | 47.98 | 43.09 | 38.91 | 42.13 | 33.38 |
| Net Income Per Share | 1.32 | 1.75 | 2.10 | 3.24 | 1.42 |
| Tax Burden | 0.69 | 0.78 | 0.70 | 0.74 | 0.67 |
| Interest Burden | 0.39 | 0.40 | 0.56 | 0.62 | 0.40 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.21 | 0.22 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.01 | 0.02 | 0.02 | 0.01 | 0.00 |
| Income Quality | 3.98 | 2.22 | 1.42 | 0.86 | 1.27 |
Currency in USD