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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CPI Card Group's Debt-to-Equity or its related term are showing as below:
PMTS'
s Debt-to-Equity Range Over the Past 10 Years
Min: -20.69 Med: -2.91 Max: -2.01
Current: -20.69
During the past 13 years, the highest Debt-to-Equity Ratio of CPI Card Group was -2.01. The lowest was -20.69. And the median was -2.91.
PMTS's Debt-to-Equity is not ranked
in the Credit Services industry.
Industry Median: 1.225
vs PMTS: -20.69
CPI Card Group (NAS:PMTS) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CPI Card Group Debt-to-Equity Related Terms
CPI Card Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CPI Card Group's Debt-to-Equity 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-Equity Comparison
For the Credit Services subindustry, CPI Card Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Debt-to-Equity 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.
CPI Card Group (PMTS) has a Debt-to-Equity of -20.69 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CPI Card Group and its competitors. According to the industry distribution chart, CPI Card Group ranks #999999 out of 456 companies in the Credit Services industry.
Is CPI Card Group's Debt-to-Equity too high?
CPI Card Group's current Debt-to-Equity is -20.69. Based on the distribution chart, CPI Card Group ranks #999999 out of 456 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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-Equity compare to MFIN and CPSS?
According to the Credit Services industry distribution chart, CPI Card Group ranks #999999 out of 456 companies for Debt-to-Equity. This places CPI Card Group in the lower half of its industry. The industry median Debt-to-Equity is 1.23. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Debt-to-Equity is -20.69. 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 $25.10, compared to a current price of $19.52 — trading 22.2% below its estimated fair value. The current Debt-to-Equity is -20.69. CPI Card Group's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Debt-to-Equity is -20.69 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 $19.52 is trading 22.2% below its estimated GF Value™ of $25.10.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
Debt-to-Equity: -20.69
GF Value™: $25.10 vs. price of $19.52 (22.2% below fair value)
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
Get the complete analysis for PMTS
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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