PMTS
Bullish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Supports a bullish reading. Current ratio 2.44 · operating margin 10%
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Supports a bullish reading. Interesting trend — weekly bias up
ACHAT TOTAL: 19 604 titres (~421 486,00 $ US)
- Insiders
- Riley H SanfordMallela RaviSHEINBAUM MARC
- Total bought
-
$421,486
Avg buy (VWAP, 90d window) $21.50 vs last close $24.75 (+15.1%)
- Total sold
-
—
Avg sell (VWAP, 90d window) $20.43 vs last close $24.75 (+21.2%)
- Last activity
- 2026-09-14
- Liquidity
- Thin $6,416,252/day · 20d vol
- Last synced
-
2026-09-25 21:10:48
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-14 | Mallela Ravi | Buy | 1,000 | $21.50 | $21,500 | Form 4 |
| 2026-09-14 | Parallel49 Equity, ULC | Sell | 2,687,921 | $20.43 | $54,900,786 | Form 4 |
| 2026-09-14 | Riley H Sanford | Buy | 13,953 | $21.50 | $299,990 | Form 4 |
| 2026-09-14 | SHEINBAUM MARC | Buy | 4,651 | $21.50 | $99,996 | Form 4 |
| 2026-09-14 | Tricor PMT25 Holdings Inc. | Buy | 525,000 | $21.50 | $11,287,500 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bullish signalScored 2026-09-20
PMTS presents a deeply unfavorable risk/reward profile: deteriorating fundamentals (score 35) with negative equity, extreme leverage, and an interest coverage ratio of only 1.69x leave virtually no margin of safety.
The first sentence of the analysis written for PMTS on 2026-09-20 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 31.3% | 35.6% | 35.0% | 36.9% | 37.7% | |
| Ebit Margin | 10.1% | 13.1% | 13.8% | 16.6% | 15.9% | |
| Ebitda Margin | 14.2% | 16.5% | 17.4% | 19.7% | 19.9% | |
| Operating Profit Margin | 10.1% | 13.1% | 13.9% | 16.6% | 15.9% | |
| Pretax Profit Margin | 4.0% | 5.2% | 7.8% | 10.3% | 6.4% | |
| Continuous Operations Profit Margin | 2.8% | 4.1% | 5.4% | 7.7% | 4.2% | |
| Net Profit Margin | 2.8% | 4.1% | 5.4% | 7.7% | 4.2% | |
| Bottom Line Profit Margin | 2.8% | 4.1% | 5.4% | 7.7% | 4.2% | |
| Current Ratio | 2.437 | 2.686 | 3.345 | 2.464 | 2.249 | |
| Quick Ratio | 1.578 | 1.725 | 1.917 | 1.458 | 1.354 | |
| Solvency Ratio | 0.089 | 0.093 | 0.115 | 0.136 | 0.080 | |
| Cash Ratio | 0.258 | 0.444 | 0.251 | 0.162 | 0.319 | |
| Price To Earnings Ratio | 11.121 | 17.080 | 9.138 | 11.136 | 13.063 | |
| Price To Earnings Growth Ratio | -0.453 | -1.025 | -0.260 | 0.087 | -9.406 | |
| Forward Price To Earnings Growth Ratio | -0.453 | -1.025 | -0.260 | 0.087 | -9.406 | |
| Price To Earnings Diluted Ratio | 11.744 | 18.226 | 9.547 | 11.601 | 13.640 | |
| Price To Earnings Diluted Growth Ratio | -0.494 | -0.990 | -0.270 | 0.090 | -2.455 | |
| Price To Book Ratio | -9.593 | -9.358 | -4.222 | -4.963 | -1.723 | |
| Price To Sales Ratio | 0.306 | 0.694 | 0.493 | 0.856 | 0.556 | |
| Price To Free Cash Flow Ratio | 4.024 | 9.788 | 7.934 | 30.246 | 20.530 | |
| Price To Operating Cash Flow Ratio | 2.794 | 7.696 | 6.441 | 13.001 | 10.306 | |
| Debt To Assets Ratio | 0.837 | 0.828 | 0.927 | 0.982 | 1.148 | |
| Debt To Equity Ratio | -19.470 | -8.126 | -5.243 | -3.548 | -2.543 | |
| Debt To Capital Ratio | 1.054 | 1.140 | 1.236 | 1.392 | 1.648 | |
| Long Term Debt To Capital Ratio | 1.064 | 1.146 | 1.244 | 1.403 | 1.663 | |
| Financial Leverage Ratio | -23.261 | -9.816 | -5.655 | -3.614 | -2.216 | |
| Working Capital Turnover Ratio | 4.378 | 3.949 | 4.126 | 5.272 | 4.250 | |
| Operating Cash Flow Ratio | 0.708 | 0.573 | 0.688 | 0.461 | 0.312 | |
| Operating Cash Flow Sales Ratio | 0.109 | 0.090 | 0.077 | 0.066 | 0.054 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.695 | 0.786 | 0.812 | 0.430 | 0.502 | |
| Debt Service Coverage Ratio | 2.176 | 2.162 | 2.483 | 2.736 | 2.179 | |
| Interest Coverage Ratio | 1.689 | 1.842 | 2.288 | 2.672 | 1.943 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.176 | 0.150 | 0.125 | 0.108 | 0.066 | |
| Capital Expenditure Coverage Ratio | 3.274 | 4.679 | 5.315 | 1.754 | 2.008 | |
| Dividend Paid And Capex Coverage Ratio | 3.274 | 4.679 | 5.315 | 1.754 | 2.008 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 6.236 | 7.439 | 6.198 | 7.342 | 6.646 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 31.3% | ▼-4.3% | ▼-4.0% |
| Ebit Margin | 10.1% | ▼-3.0% | ▼-3.8% |
| Ebitda Margin | 14.2% | ▼-2.3% | ▼-3.3% |
| Operating Profit Margin | 10.1% | ▼-3.0% | ▼-3.8% |
| Pretax Profit Margin | 4.0% | ▼-1.2% | ▼-2.8% |
| Continuous Operations Profit Margin | 2.8% | ▼-1.3% | ▼-2.1% |
| Net Profit Margin | 2.8% | ▼-1.3% | ▼-2.1% |
| Bottom Line Profit Margin | 2.8% | ▼-1.3% | ▼-2.1% |
| Current Ratio | 2.437 | ▼-0.249 | ▼-0.199 |
| Quick Ratio | 1.578 | ▼-0.147 | ▼-0.028 |
| Solvency Ratio | 0.089 | ▼-0.004 | ▼-0.014 |
| Cash Ratio | 0.258 | ▼-0.186 | ▼-0.029 |
| Price To Earnings Ratio | 11.121 | ▼-5.959 | ▼-1.187 |
| Price To Earnings Growth Ratio | -0.453 | ▲0.572 | ▲1.759 |
| Forward Price To Earnings Growth Ratio | -0.453 | ▲0.572 | ▲1.759 |
| Price To Earnings Diluted Ratio | 11.744 | ▼-6.482 | ▼-1.208 |
| Price To Earnings Diluted Growth Ratio | -0.494 | ▲0.496 | ▲0.330 |
| Price To Book Ratio | -9.594 | ▼-0.235 | ▼-3.622 |
| Price To Sales Ratio | 0.306 | ▼-0.388 | ▼-0.275 |
| Price To Free Cash Flow Ratio | 4.024 | ▼-5.765 | ▼-10.481 |
| Price To Operating Cash Flow Ratio | 2.795 | ▼-4.902 | ▼-5.253 |
| Debt To Assets Ratio | 0.837 | ▲0.009 | ▼-0.107 |
| Debt To Equity Ratio | -19.470 | ▼-11.343 | ▼-11.684 |
| Debt To Capital Ratio | 1.054 | ▼-0.086 | ▼-0.240 |
| Long Term Debt To Capital Ratio | 1.064 | ▼-0.081 | ▼-0.240 |
| Financial Leverage Ratio | -23.262 | ▼-13.445 | ▼-14.349 |
| Working Capital Turnover Ratio | 4.378 | ▲0.429 | ▼-0.017 |
| Operating Cash Flow Ratio | 0.708 | ▲0.135 | ▲0.159 |
| Operating Cash Flow Sales Ratio | 0.110 | ▲0.019 | ▲0.030 |
| Free Cash Flow Operating Cash Flow Ratio | 0.695 | ▼-0.092 | ▲0.050 |
| Debt Service Coverage Ratio | 2.176 | ▲0.014 | ▼-0.171 |
| Interest Coverage Ratio | 1.689 | ▼-0.153 | ▼-0.398 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.176 | ▲0.027 | ▲0.051 |
| Capital Expenditure Coverage Ratio | 3.274 | ▼-1.405 | ▼-0.132 |
| Dividend Paid And Capex Coverage Ratio | 3.274 | ▼-1.405 | ▼-0.132 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 6.236 | ▼-1.203 | ▼-0.536 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $166.3M | $333.4M | $219.3M | $407.4M | $208.5M | |
| Enterprise value | $482.0M | $589.3M | $479.2M | $687.6M | $495.5M | |
| EV / Sales | 0.89x | 1.23x | 1.08x | 1.45x | 1.32x | |
| EV / Op. cash flow | 8.10x | 13.61x | 14.08x | 21.94x | 24.50x | |
| EV / Free cash flow | 11.66x | 17.30x | 17.34x | 51.05x | 48.80x | |
| EV / EBITDA | 6.24x | 7.44x | 6.20x | 7.34x | 6.65x | |
| Net debt / EBITDA | 4.08x | 3.23x | 3.36x | 2.99x | 3.85x | |
| Current ratio | 2.44x | 2.69x | 3.35x | 2.46x | 2.25x | |
| Income quality | 3.98x | 2.22x | 1.42x | 0.86x | 1.27x | |
| Graham net-net | -$26 | -$23 | -$21 | -$24 | -$26 | |
| Tax burden | 69.2% | 78.0% | 69.6% | 74.3% | 66.9% | |
| Interest burden | 39.4% | 39.9% | 56.1% | 62.4% | 40.1% | |
| Working capital | $120.8M | $127.5M | $115.9M | $99.6M | $80.9M | |
| Invested capital | $296.6M | $253.7M | $240.3M | $221.9M | $197.2M | |
| Return on assets | 3.7% | 5.6% | 8.2% | 12.3% | 5.9% | |
| Operating ROA | 14.6% | 19.5% | 20.9% | 28.0% | 22.3% | |
| Return on tangible assets | 4.5% | 6.7% | 10.3% | 15.8% | 8.0% | |
| Return on equity | -86.3% | -54.8% | -46.2% | -44.5% | -13.2% | |
| Return on invested capital | 11.4% | 17.3% | 17.0% | 25.1% | 19.2% | |
| Return on capital employed | 17.2% | 22.9% | 25.2% | 34.6% | 29.2% | |
| Earnings yield | 9.0% | 5.9% | 10.9% | 9.0% | 7.6% | |
| Free cash flow yield | 24.9% | 10.2% | 12.6% | 3.3% | 4.9% | |
| Capex / Op. cash flow | 30.5% | 21.4% | 18.8% | 57.0% | 49.8% | |
| Capex / Depreciation | 80.9% | 56.4% | 40.2% | 120.0% | 66.7% | |
| Capex / Sales | 3.3% | 1.9% | 1.4% | 3.8% | 2.7% | |
| SG&A / Sales | 21.2% | 21.5% | 19.9% | 19.1% | 20.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.3% | 1.8% | 1.7% | 0.7% | 0.3% | |
| Intangibles / Total assets | 16.7% | 16.5% | 20.9% | 22.0% | 25.7% | |
| Days sales outstanding | 64d | 65d | 61d | 62d | 60d | |
| Days payables outstanding | 27d | 19d | 16d | 30d | 41d | |
| Operating cycle | 135d | 151d | 150d | 145d | 150d | |
| Cash conversion cycle | 108d | 132d | 134d | 115d | 109d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-50.1%EV / Sales ▼-27.7%EV / EBITDA ▼-16.2%EV / Op. cash flow ▼-5.504Earnings yield ▲+0.031
Profitability
Return on equity ▼-0.314Return on assets ▼-0.019Return on invested capital ▼-0.059Return on capital employed ▼-0.057Operating ROA ▼-0.050Income quality ▲+1.761Tax burden ▼-0.088
Efficiency
Days sales outstanding ▼-0.839Days payables outstanding ▲+8.152Operating cycle ▼-15.951Cash conversion cycle ▼-24.103Capex / Sales ▲+0.014R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.249Net debt / EBITDA ▲+0.854Working capital ▼-6608000.000Invested capital ▲+42843000.000Intangibles / Total assets ▲+0.002
Change over 5 years
Valuation
Market cap ▼-20.2%EV / Sales ▼-32.9%EV / EBITDA ▼-6.2%EV / Op. cash flow ▼-16.395Earnings yield ▲+0.013
Profitability
Return on equity ▼-0.731Return on assets ▼-0.022Return on invested capital ▼-0.077Return on capital employed ▼-0.121Operating ROA ▼-0.077Income quality ▲+2.711Tax burden ▲+0.023
Efficiency
Days sales outstanding ▲+4.260Days payables outstanding ▼-14.127Operating cycle ▼-15.732Cash conversion cycle ▼-1.606Capex / Sales ▲+0.007R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.188Net debt / EBITDA ▲+0.235Working capital ▲+39921000.000Invested capital ▲+99407000.000Intangibles / Total assets ▼-0.090
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-09-16 First Look: Fed Rate Hike Looms, Ford Unveils 2027 F-150, Paramount-WBD Antitrust Talks Prefer to listen? Hear this as a ~5-minute audio briefing on The GuruFocus Brief.Stock NewsFed poised for first rate hike in three years: The Federal Reserve is
- 2026-09-16 Equity Ulc Parallel49 Sells 2,687,921 Shares of CPI Card Group (NASDAQ:PMTS) Stock CPI Card Group Inc. (NASDAQ: PMTS - Get Free Report) major shareholder Equity Ulc Parallel49 sold 2,687,921 shares of the company''s stock in a transaction dated Monday, September 14th. The stock was sold at an average price of $20.43, for a total transaction of $54,914,226.03. The sale was disclosed in a document filed with the SEC,
- 2026-09-15 CPI Card Group (PMTS) Soars 7.8%: Is Further Upside Left in the Stock? CPI Card Group (PMTS) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.
- 2026-09-14 CPI Closes Secondary Offering of Common Stock by Selling Stockholders; Underwriters Fully Exercise Overallotment Option DENVER--(BUSINESS WIRE)--CPI Card Group Inc. (Nasdaq: PMTS) (“CPI” or the “Company”), a payments technology leader providing a comprehensive range of physical and digital payment solutions, today announced the closing of the previously announced registered underwritten secondary public offering of shares of the Company''s common stock by certain stockholders affiliated with Parallel49 Equity (the “selling stockholders”). The aggregate size of the offering was 2,687,921 shares of the Company''s co.
- 2026-09-11 Why CPI Card Group Stock Just Crashed Parallel49 Equity is selling somewhere between 2.3 million and 2.7 million shares of CPI stock. The private equity firm is taking a 20% haircut on its shares, selling for just $21.50 per share.
- 2026-09-11 CPI Announces Pricing of Secondary Public Offering of Common Stock DENVER--(BUSINESS WIRE)--CPI Card Group Inc. (Nasdaq: PMTS) (“CPI” or the “Company”), a payments technology leader providing a comprehensive range of physical and digital payment solutions, today announced the pricing of a registered underwritten secondary public offering of 2,337,323 shares of the Company''s common stock to be sold by certain stockholders affiliated with Parallel49 Equity (the “selling stockholders”), at a public offering price of $21.50 per share. The underwriters were also gr.
- 2026-09-10 CPI Announces Proposed Secondary Public Offering of Common Stock by Major Stockholder DENVER--(BUSINESS WIRE)--CPI Card Group Inc. (Nasdaq: PMTS) (“CPI” or the “Company”), a payments technology leader providing a comprehensive range of physical and digital payment solutions, today announced that certain stockholders affiliated with Parallel49 Equity (the “selling stockholders”) have commenced an underwritten secondary public offering of 2,337,323 shares of the Company''s common stock. In addition, the selling stockholders expect to grant the underwriters a 30-day option to purcha.
- 2026-08-26 CPI Announces Brennan Hughes as Chief Accounting Officer [url="]CPI[/url]â¢(NASDAQ: PMTS), a payments technology leader providing a comprehensive range of physical and digital payment solutions, today announced the a
- 2026-08-26 CPI Announces Brennan Hughes as Chief Accounting Officer DENVER--(BUSINESS WIRE)--CPI™ (NASDAQ: PMTS), a payments technology leader providing a comprehensive range of physical and digital payment solutions, today announced the appointment of Brennan Hughes as Chief Accounting Officer, effective August 24, 2026. Hughes brings more than 25 years of finance and accounting leadership experience. Most recently, he served as Director of Finance and Head of Investor Relations at Artisan Partners Asset Management. Prior to Artisan Partners, he spent nearly t.
- 2026-08-20 CPI Card Group (PMTS) Upgraded to Buy: Here''s What You Should Know CPI Card Group (PMTS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).