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CPI Card GroupPMTS -1.83%72 Debt-to-EBITDA is 4.17 as of Mar. 2026, which is 4% above its 10-year median of 4.00. GuruFocus rates PMTS with a GF Score™ of 72/100 and a GF Value™ of $25.07 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 283 Credit Services companies, CPI Card Group ranks better than 70.32% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for CPI Card Group's Debt-to-EBITDA or its related term are showing as below:
PMTS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -164.34 Med: 4 Max: 13.5
Current: 3.8
During the past 13 years, the highest Debt-to-EBITDA Ratio of CPI Card Group was 13.50. The lowest was -164.34. And the median was 4.00.
PMTS's Debt-to-EBITDA is ranked better than 70.32% of 283
companies
in the Credit Services industry
Industry Median: 9.32
vs PMTS: 3.80
CPI Card Group (NAS:PMTS) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CPI Card Group Debt-to-EBITDA Related Terms
CPI Card Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CPI Card Group's Debt-to-EBITDA 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.
PMTS vs MFIN, CPSS, FOA: Debt-to-EBITDA Comparison
For the Credit Services subindustry, CPI Card Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
CPI Card Group (PMTS) has a Debt-to-EBITDA of 4.17 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CPI Card Group. This is near median its historical median of 4.00. According to the industry distribution chart, CPI Card Group ranks #84 out of 283 companies in the Credit Services industry, placing it in the top 29.7%.
Is CPI Card Group's Debt-to-EBITDA too high?
CPI Card Group's current Debt-to-EBITDA of 4.17 is near median its 10-year median of 4.00. The Credit Services industry median Debt-to-EBITDA is 9.32. CPI Card Group's value of 4.17 is 55.3% below this industry median. Based on the distribution chart, CPI Card Group ranks #84 out of 283 companies in the Credit Services industry, which is above 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 Debt-to-EBITDA compare to MFIN and CPSS?
According to the Credit Services industry distribution chart, CPI Card Group ranks #84 out of 283 companies for Debt-to-EBITDA. This puts CPI Card Group in the upper half of its industry. The industry median Debt-to-EBITDA is 9.32. CPI Card Group's value of 4.17 is 55.3% below this benchmark. While the company's 10-year median is 4.00 vs. the industry median of 9.32, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.32, based on 283 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Debt-to-EBITDA of 4.17 is 55.3% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CPI Card Group. For the Credit Services industry, the median Debt-to-EBITDA is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Debt-to-EBITDA is 4.17, which is near median its own 10-year median of 4.00. 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 $25.07, compared to a current price of $18.81 — trading 25% below its estimated fair value. The current Debt-to-EBITDA is 4.17, which is near median its 10-year median of 4.00 and 55.3% below the Credit Services industry median of 9.32. CPI Card Group's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Debt-to-EBITDA is 4.17 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 $18.81 is trading 25% below its estimated GF Value™ of $25.07.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
Debt-to-EBITDA: 4.17 (near median its 10-year median of 4.00)
GF Value™: $25.07 vs. price of $18.81 (25% below fair value)
Industry Position: 55.3% below the Credit Services median (#84 of 283)
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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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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