CPI Card GroupPMTS +5.00%72 Days Payable is 22.27 as of Mar. 2026, which is 25% below its 10-year median of 29.54. GuruFocus rates PMTS with a GF Score™ of 72/100 and a GF Value™ of $24.98 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 302 Credit Services companies, CPI Card Group ranks worse than 56.95% on this metric.
The historical rank and industry rank for CPI Card Group's Days Payable or its related term are showing as below:
PMTS'
s Days Payable Range Over the Past 10 Years
Min: 17.06 Med: 29.54 Max: 35.4
Current: 23.38
During the past 13 years, CPI Card Group's highest Days Payable was 35.40. The lowest was 17.06. And the median was 29.54.
PMTS's Days Payable is ranked worse than 56.95% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs PMTS: 23.38
CPI Card Group's Days Payable
increased
from Mar. 2025 (21.23) to Mar. 2026 (22.27).
It may suggest that CPI Card Groupdelayed paying its suppliers.
CPI Card Group Days Payable Related Terms
CPI Card Group Days Payable Historical Data
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The historical data trend for CPI Card Group's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, CPI Card Group's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CPI Card Group Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Days Payable distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
CPI Card Group's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CPI Card Group (PMTS) has a Days Payable of 22.27 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on CPI Card Group and its competitors. This is 25% below median its historical median of 29.54. Over the past decade, CPI Card Group's Days Payable has ranged from 17.06 to 35.40. According to the industry distribution chart, CPI Card Group ranks #172 out of 302 companies in the Credit Services industry, placing it in the top 57%.
Is CPI Card Group's Days Payable too high?
CPI Card Group's current Days Payable of 22.27 is 25% below median its 10-year median of 29.54. Over the past 10 years, this metric has ranged from a low of 17.06 to a high of 35.40. The Credit Services industry median Days Payable is 33.41. CPI Card Group's value of 22.27 is 33.3% below this industry median. Based on the distribution chart, CPI Card Group ranks #172 out of 302 companies in the Credit Services industry, which is below the industry midpoint. Overall, CPI Card Group has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CPI Card Group's Days Payable compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #172 out of 302 companies for Days Payable. This places CPI Card Group in the lower half of its industry. The industry median Days Payable is 33.41. CPI Card Group's value of 22.27 is 33.3% below this benchmark. Historically, CPI Card Group's own Days Payable has ranged from 17.06 to 35.40 over the past decade. While the company's 10-year median is 29.54 vs. the industry median of 33.41, CPI Card Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Days Payable of 22.27 is 33.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Days Payable is 22.27, which is 25% below median its own 10-year median of 29.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CPI Card Group stock overvalued right now?
Based on GuruFocus' analysis, CPI Card Group (PMTS) is currently considered Modestly Undervalued. The stock's GF Value™ is $24.98, compared to a current price of $20.13 — trading 19.4% below its estimated fair value. The current Days Payable is 22.27, which is 25% below median its 10-year median of 29.54 and 33.3% below the Credit Services industry median of 33.41. CPI Card Group's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Days Payable is 22.27 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CPI Card Group (PMTS) Overvalued in 2026?
Based on GuruFocus' analysis, CPI Card Group stock appears to be undervalued.
The current stock price of $20.13 is trading 19.4% below its estimated GF Value™ of $24.98.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
Days Payable: 22.27 (25% below median its 10-year median of 29.54)
GF Value™: $24.98 vs. price of $20.13 (19.4% below fair value)
Industry Position: 33.3% below the Credit Services median (#172 of 302)
No single metric tells the full story. See the PMTS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CPI Card Group Inc is a payment technology company engaged in providing financial payment card solutions and services. It offers credit, debit, and prepaid cards. The business segments of the group are Debit and Credit segment, which principally produce secure debit and credit cards and provide card services for U.S. card-issuing financial institutions, including personalization, instant issuance and other payment solutions such as digital push provisioning for mobile wallets; Prepaid Debit, which provides secure packaging solutions, Prepaid Debit Cards, and other integrated prepaid card services to prepaid program managers in the U.S.; and other: principally corporate expenses. The firm generates key revenue from Debit and Credit segment.
72GF Score
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