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CPI Card Group Inc (PMTS)
NASDAQ:PMTS
Earnings Data
Report Date
May 12, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.36Last Year’s EPS
0.63Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a broadly positive outlook driven by a record fourth quarter, double-digit revenue growth, strong adjusted EBITDA expansion in Q4, substantial cash flow generation, strategic acquisitions (ArrowEye) and investments (Carta), and momentum in high-margin Integrated PayTech. Notable near-term headwinds include prepaid softness versus an exceptional prior period, gross margin compression from higher production costs and tariffs, nondeductible acquisition costs and higher tax rates that reduced net income, and planned incremental investments that temper 2026 EBITDA growth. Overall, the positive operational execution, cash generation, strategic positioning in digital paytech, and clear path to scale outweigh the near-term margin and investment-related challenges.Company Guidance
Record Fourth-Quarter Revenue
Q4 revenue increased 22% year-over-year to $153,000,000, driven by an $18,000,000 contribution from ArrowEye and double-digit organic growth in the debit and credit portfolio.
Strong Adjusted EBITDA and Margin Expansion in Q4
Fourth-quarter adjusted EBITDA rose 34% year-over-year to $29,400,000, with adjusted EBITDA margin improving 170 basis points to 19.2%, reflecting operating leverage from revenue growth.
Full-Year Revenue and EBITDA Growth
Full-year 2025 revenue grew 13% and adjusted EBITDA increased 5% to $96,500,000 despite headwinds, indicating solid annual performance.
Robust Cash Flow Generation
Operating cash flow for 2025 was $59,500,000 (up from $43,300,000 prior year) and free cash flow was $41,000,000 (up from $34,000,000), enabling balance sheet actions and maintenance of net leverage around 3x at year-end.
ArrowEye Acquisition Contribution
ArrowEye contributed $43,000,000 of revenue and more than $6,000,000 of adjusted EBITDA in less than eight months (implying roughly $9,000,000 annualized) and has since signed more than a dozen new customers.
Integrated PayTech Momentum
Integrated PayTech revenue grew nearly 20%; pro forma it represented ~14% of 2025 revenue and >20% of EBITDA. Segment metrics: ~55% gross margins, ~40% EBITDA margins, >95% customer retention, and expected >15% annual growth as investments scale.
Strategic Entry into Closed-Loop Prepaid and Carta Investment
Entered closed-loop prepaid shipments in 2025, signed early deals including TDS Gift Cards, invested 20% in Australian fintech Carta (option to acquire more), and initiated a pilot with a large national retailer for chip-embedded prepaid cards to reduce fraud.
Operational Investments and Capacity Expansion
Completed new Secure Card production facility in Indiana, invested in automation in Colorado, increased personalization capacity, and expanded metal card offerings (nearly $15,000,000 in metal sales in 2025), supporting share gains and large customer renewals.
Capital Allocation and Debt Actions
2025 capital allocation included $46,000,000 ArrowEye acquisition, investment in Carta, $18,000,000 CapEx (double prior year) for facility and equipment, and retirement of $20,000,000 principal on 10% senior notes; net leverage target set to improve to 2.5–3.0x in 2026.
PMTS Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PMTS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 05, 2026 | $12.46 | $17.60 | +41.25% |
Nov 04, 2025 | $17.53 | $13.89 | -20.76% |
Aug 08, 2025 | $18.62 | $13.25 | -28.84% |
May 07, 2025 | $25.34 | $20.18 | -20.36% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does CPI Card Group Inc (PMTS) report earnings?
CPI Card Group Inc (PMTS) is schdueled to report earning on May 12, 2026, Before Open (Confirmed).
What is CPI Card Group Inc (PMTS) earnings time?
CPI Card Group Inc (PMTS) earnings time is at May 12, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is PMTS EPS forecast?
PMTS EPS forecast for the fiscal quarter 2026 (Q1) is 0.36.