Stock fact sheet · data as of
CPI Card Group Inc. (PMTS): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · United States · Blend
Is PMTS undervalued?
CPI Card Group Inc. (PMTS) closed at 25.31 on 16 Oct 2026. The GLS average fair value - the simple average of the 7 valuation models that produced a positive number - is 50.47, which puts the price 50% below it. 4 of the 7 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The 7 models disagree widely: GLS Growth gives 9.30 while 10 Cap gives 154.03. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files PMTS under Blend.
Nine valuation models for PMTS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 48.99 | +94% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | 43.13 | +70% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 16.96 | -33% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 9.30 | -63% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 154.03 | +509% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 67.53 | +167% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 13.32 | -47% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -18.60 | -173% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 31.00 | +22% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health PMTS scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is low at 4.1 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 4.7%, ROE -86.3%, ROA 3.7% - with debt at -19.47 times equity and a free-cash-flow yield of 26.1%.
CPI Card Group Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Debit and Credit 83%, Prepaid Debit 17% (fiscal year FY2025).
Institutional ownership scores 3/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 14 Sep 2026.
| Piotroski F-score | 7 / 9 | ROIC | 4.7% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | -86.3% |
| Debt / equity | -19.47 | ROA | 3.7% |
| Free-cash-flow yield | 26.1% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 39: No options
PMTS has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 154k shares a day on a market cap of $293M, with a beta of 0.97; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 50% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 6 / 15 | moat 4.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 154k shares/day, $293M cap, beta 0.97 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 3 Nov 2026 (before the open), 18 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to CPI Card Group Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| RM Regional Management Corp. | 33.38 | 202.77 | +84% | 73Good | $308M |
| RWAYL Runway Growth Finance Corp. - 7 | 25.25 | 26.73 | +6% | 39No options | $268M |
| RWAY Runway Growth Finance Corp. | 6.31 | 19.22 | +67% | 45Weak | $264M |
| ORBS Eightco Holdings Inc. | 0.7676 | - | - | 35Weak | $330M |
| MFIN Medallion Financial Corp. | 11.19 | 65.18 | +83% | 76Good | $257M |
| TREE LendingTree, Inc. | 24.17 | 233.16 | +90% | 63Fair | $339M |
| HTT High Templar Tech Limited | 2.14 | 36.14 | +94% | 50Fair | $359M |
| OPRT Oportun Financial Corporation | 9.21 | 33.95 | +73% | 74Good | $424M |
| CPSS Consumer Portfolio Services, Inc. | 9.17 | 69.18 | +87% | 73Good | $201M |
| TROO TROOPS, Inc. | 1.63 | - | - | 25Weak | $199M |
| SWKHL SWK Holdings Corporation 9.00% Senior Notes due 2027 | 25.11 | 57.08 | +56% | 38No options | $192M |
| OPFI OppFi Inc. | 5.77 | 79.51 | +93% | 81Prime | $492M |
⚖ Compare PMTS with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about PMTS
Is PMTS undervalued right now?
By the GLS models, yes: at 25.31 the stock is 50% below the average fair value of 50.47 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PMTS and what does it mean?
PMTS has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for PMTS?
50.47 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CPI Card Group Inc. report earnings next?
The next earnings report is due on 3 Nov 2026 (before the open), 18 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does PMTS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PMTS, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.