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Stocks · Communication · Commercial Printing

CPI Card Group Inc.

PMTS Clue Score51
United States Fiscal year ends December CIK 0001641614
$25.54 +2.16% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $25.54 −10.04% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue308.7Operating income29.0Net income5.4Fiscal year 2017Revenue223.7 −27.5%Operating income−19.3Net income−22.0 −507.7%Fiscal year 2018Revenue255.8 +14.3%Operating income4.6Net income−37.5Fiscal year 2019Revenue278.1 +8.7%Operating income24.7Net income−5.1EPS, diluted−0.46Fiscal year 2020Revenue312.2 +12.3%Operating income38.4Net income16.1EPS, diluted1.44Fiscal year 2021Revenue375.1 +20.2%Operating income59.5Net income15.9 −1.2%EPS, diluted1.36 −5.6%Fiscal year 2022Revenue475.7 +26.8%Operating income79.1Net income36.5 +129.2%EPS, diluted3.11 +128.7%Fiscal year 2023Revenue444.5 −6.6%Operating income61.6Net income24.0 −34.4%EPS, diluted2.01 −35.4%Fiscal year 2024Revenue480.6 +8.1%Operating income62.8Net income19.5 −18.6%EPS, diluted1.64 −18.4%Fiscal year 2025Revenue543.5 +13.1%Operating income54.8Net income15.0 −23.4%EPS, diluted1.25 −23.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 308.7 223.7 255.8 278.1 312.2 375.1 475.7 444.5 480.6 543.5
Growth −27.5% +14.3% +8.7% +12.3% +20.2% +26.8% −6.6% +8.1% +13.1%
Operating income 29.0 −19.3 4.6 24.7 38.4 59.5 79.1 61.6 62.8 54.8
Net income 5.4 −22.0 −37.5 −5.1 16.1 15.9 36.5 24.0 19.5 15.0
Growth −507.7% −1.2% +129.2% −34.4% −18.6% −23.4%
EPS, diluted n/a n/a n/a −0.46 1.44 1.36 3.11 2.01 1.64 1.25
Growth −5.6% +128.7% −35.4% −18.4% −23.8%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2016Gross margin33.0%Operating margin9.4%Net margin1.7%Free cash flow margin14.8%Fiscal year 2017Gross margin30.5%Operating margin−8.6%Net margin−9.8%Free cash flow margin−2.2%Fiscal year 2018Gross margin30.7%Operating margin1.8%Net margin−14.6%Free cash flow margin0.6%Fiscal year 2019Gross margin32.8%Operating margin8.9%Net margin−1.8%Free cash flow margin−0.4%Fiscal year 2020Gross margin35.3%Operating margin12.3%Net margin5.2%Free cash flow margin4.8%Fiscal year 2021Gross margin37.7%Operating margin15.9%Net margin4.2%Free cash flow margin2.7%Fiscal year 2022Gross margin36.9%Operating margin16.6%Net margin7.7%Free cash flow margin2.8%Fiscal year 2023Gross margin35.0%Operating margin13.9%Net margin5.4%Free cash flow margin6.2%Fiscal year 2024Gross margin35.6%Operating margin13.1%Net margin4.1%Free cash flow margin7.1%Fiscal year 2025Gross margin31.3%Operating margin10.1%Net margin2.8%Free cash flow margin7.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin 33.0% 30.5% 30.7% 32.8% 35.3% 37.7% 36.9% 35.0% 35.6% 31.3%
Operating margin 9.4% −8.6% 1.8% 8.9% 12.3% 15.9% 16.6% 13.9% 13.1% 10.1%
Net margin 1.7% −9.8% −14.6% −1.8% 5.2% 4.2% 7.7% 5.4% 4.1% 2.8%
Free cash flow margin 14.8% −2.2% 0.6% −0.4% 4.8% 2.7% 2.8% 6.2% 7.1% 7.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow60.0Capital expenditure−14.3Free cash flow45.7Buybacks−6.0Dividends paid−7.5Fiscal year 2017Operating cash flow2.4Capital expenditure−7.3Free cash flow−4.8 −110.6%Dividends paid−7.5Fiscal year 2018Operating cash flow7.1Capital expenditure−5.6Free cash flow1.4Fiscal year 2019Operating cash flow3.0Capital expenditure−4.2Free cash flow−1.2 −184.3%Fiscal year 2020Operating cash flow22.1Capital expenditure−7.1Free cash flow15.0Fiscal year 2021Operating cash flow20.2Capital expenditure−10.1Free cash flow10.2 −32.2%Fiscal year 2022Operating cash flow31.3Capital expenditure−17.9Free cash flow13.5 +32.6%Fiscal year 2023Operating cash flow34.0Capital expenditure−6.4Free cash flow27.6 +105.2%Buybacks−0.3Fiscal year 2024Operating cash flow43.3Capital expenditure−9.3Free cash flow34.1 +23.2%Buybacks−8.7Fiscal year 2025Operating cash flow59.5Capital expenditure−18.2Free cash flow41.3 +21.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 60.0 2.4 7.1 3.0 22.1 20.2 31.3 34.0 43.3 59.5
Capital expenditure −14.3 −7.3 −5.6 −4.2 −7.1 −10.1 −17.9 −6.4 −9.3 −18.2
Free cash flow 45.7 −4.8 1.4 −1.2 15.0 10.2 13.5 27.6 34.1 41.3
Growth −110.6% −184.3% −32.2% +32.6% +105.2% +23.2% +21.4%
Buybacks −6.0 n/a n/a n/a n/a n/a n/a −0.3 −8.7 n/a
Dividends paid −7.5 −7.5 n/a n/a n/a n/a n/a n/a n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash37.0Total debt301.9Net cash (debt)−265.0Shareholders’ equity−95.3Fiscal year 2017Cash23.2Total debt303.9Net cash (debt)−280.7Shareholders’ equity−119.6Fiscal year 2018Cash20.3Total debt305.8Net cash (debt)−285.5Shareholders’ equity−150.8Fiscal year 2019Cash18.7Total debt307.8Net cash (debt)−289.1Shareholders’ equity−154.3Fiscal year 2020Cash57.6Total debt336.7Net cash (debt)−279.1Shareholders’ equity−138.0Fiscal year 2021Cash20.7Total debt303.6Net cash (debt)−282.9Shareholders’ equity−121.0Fiscal year 2022Cash11.0Total debt285.5Net cash (debt)−274.5Shareholders’ equity−82.1Fiscal year 2023Cash12.4Total debt265.0Net cash (debt)−252.6Shareholders’ equity−51.9Fiscal year 2024Cash33.5Total debt280.4Net cash (debt)−246.9Shareholders’ equity−35.6Fiscal year 2025Cash21.7Total debt286.7Net cash (debt)−265.0Shareholders’ equity−17.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 37.0 23.2 20.3 18.7 57.6 20.7 11.0 12.4 33.5 21.7
Total debt 301.9 303.9 305.8 307.8 336.7 303.6 285.5 265.0 280.4 286.7
Net cash (debt) −265.0 −280.7 −285.5 −289.1 −279.1 −282.9 −274.5 −252.6 −246.9 −265.0
Shareholders’ equity −95.3 −119.6 −150.8 −154.3 −138.0 −121.0 −82.1 −51.9 −35.6 −17.3

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
33.0% 30.5% 30.7% 32.8% 35.3% 37.7% 36.9% 35.0% 35.6% 31.3%
9.4% −8.6% 1.8% 8.9% 12.3% 15.9% 16.6% 13.9% 13.1% 10.1%
2.8% −17.7% −7.5% −0.5% 4.1% 6.4% 10.3% 7.8% 5.2% 4.0%
1.7% −9.8% −14.6% −1.8% 5.2% 4.2% 7.7% 5.4% 4.1% 2.8%
14.8% −2.2% 0.6% −0.4% 4.8% 2.7% 2.8% 6.2% 7.1% 7.6%
Spending
20.7% 27.8% 26.6% 23.9% 21.1% 20.2% 19.1% 19.9% 21.5% n/a
4.6% 3.2% 2.2% 1.5% 2.3% 2.7% 3.8% 1.4% 1.9% 3.3%
36.8% n/a n/a n/a −25.6% 33.1% 25.7% 30.4% 22.0% 30.6%
Returns
2.0% −9.4% −18.1% −2.4% 6.1% 5.9% 12.3% 8.2% 5.6% 3.7%
Balance and payout
136.0% 151.1% 172.2% 172.4% 151.9% 145.1% 127.7% 117.7% 110.2% 104.3%
139.3% n/a n/a n/a n/a n/a n/a n/a n/a n/a
29.6% n/a n/a n/a n/a n/a n/a 0.9% 25.5% n/a