PMTS (CPI Card Group) EBIT: $51.7 Mil (TTM As of Mar. 2026)


PMTS CPI Card Group Inc PMTS
72 GF Score
Price $18.88
GF Value $24.97
Valuation Modestly Undervalued
! 4 Warning Signs
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What is CPI Card Group EBIT?

CPI Card Group PMTS +3.45% 72 EBIT is $51.7 Mil as of Mar. 2026. GuruFocus rates PMTS with a GF Score™ of 72/100 and a GF Value™ of $24.97 (Modestly Undervalued). The stock has 4 warning signs investors should review.

CPI Card Group's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $11.0 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $51.7 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. CPI Card Group's annualized ROC % for the quarter that ended in Mar. 2026 was 9.19%. CPI Card Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 20.20%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. CPI Card Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 10.62%.

CPI Card Group  (NAS:PMTS) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

CPI Card Group's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=43.976 * ( 1 - 34.36% )/( (316.431 + 311.757)/ 2 )
=28.8658464/314.094
=9.19 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=403.191 - 65.06 - ( 21.7 - max(0, 84.097 - 204.944+21.7))
=316.431

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=386.454 - 55.401 - ( 19.296 - max(0, 74.329 - 188.888+19.296))
=311.757

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

CPI Card Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=43.976/( ( (108.433 + max(112.07, 0)) + (106.676 + max(108.167, 0)) )/ 2 )
=43.976/( ( 220.503 + 214.843 )/ 2 )
=43.976/217.673
=20.20 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(95.902 + 72.243 + 15.565) - (65.06 + 3.916 + 2.664)
=112.07

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(88.681 + 65.504 + 15.407) - (55.401 + 3.6 + 2.424)
=108.167

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

CPI Card Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=51.726/487.170
=10.62 %

* 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 EBIT Related Terms

CPI Card Group EBIT Historical Data

* Premium members only.

The historical data trend for CPI Card Group's EBIT 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.

CPI Card Group EBIT Chart

CPI Card Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 59.46 78.76 61.59 62.79 54.84

CPI Card Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.10 9.42 12.49 18.82 10.99

PMTS vs XYF, ANTA, FOA: EBIT Comparison

For the Credit Services subindustry, CPI Card Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, CPI Card Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where CPI Card Group's EV-to-EBIT falls into.


PMTS
72GF Score
CPI Card Group Inc PMTS
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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CPI Card Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $51.7 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $51.7 Mil mean?
CPI Card Group (PMTS) has a EBIT of $51.7 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on CPI Card Group.
Is CPI Card Group's EBIT too high?
CPI Card Group's current EBIT is $51.7 Mil. 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 EBIT compare to XYF and ANTA?
CPI Card Group's EBIT of $51.7 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on CPI Card Group. CPI Card Group's current EBIT is $51.7 Mil. 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 $24.97, compared to a current price of $18.88 — trading 24.4% below its estimated fair value. The current EBIT is $51.7 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For CPI Card Group (PMTS), the current EBIT is $51.7 Mil 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 $18.88 is trading 24.4% below its estimated GF Value™ of $24.97. GuruFocus considers CPI Card Group to be Modestly Undervalued.

Key valuation signals for PMTS:

  • EBIT: $51.7 Mil
  • GF Value™: $24.97 vs. price of $18.88 (24.4% below fair value)
  • GF Score™: 72/100 with 4 warning signs

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 Business Description

Other Exchanges CPB1:Germany
Address 10368 West Centennial Road, Littleton, CO, USA, 80127
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

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.88
Price
$24.97
GF Value