PMTS (CPI Card Group) EBITDA per Share: $6.43 (TTM As of Mar. 2026)


PMTS CPI Card Group Inc PMTS
70 GF Score
Price $20.75
GF Value $25.00
Valuation Modestly Undervalued
! 5 Warning Signs
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What is CPI Card Group EBITDA per Share?

CPI Card Group PMTS -0.55% 70 EBITDA per Share is $6.43 as of Mar. 2026. GuruFocus rates PMTS with a GF Score™ of 70/100 and a GF Value™ of $25.00 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 316 Credit Services companies, CPI Card Group ranks worse than 73.73% on this metric.

CPI Card Group's EBITDA per Share for the three months ended in Mar. 2026 was $1.47. Its EBITDA per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $6.43.

During the past 12 months, the average EBITDA per Share Growth Rate of CPI Card Group was -3.80% per year. During the past 3 years, the average EBITDA per Share Growth Rate was -6.70% per year. During the past 5 years, the average EBITDA per Share Growth Rate was 3.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EBITDA per Share growth rate using EBITDA per Share data.

The historical rank and industry rank for CPI Card Group's EBITDA per Share or its related term are showing as below:

PMTS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -40   Med: 1.7   Max: 46
Current: -6.7

During the past 13 years, the highest 3-Year average EBITDA per Share Growth Rate of CPI Card Group was 46.00% per year. The lowest was -40.00% per year. And the median was 1.70% per year.

PMTS's 3-Year EBITDA Growth Rate is ranked worse than
73.73% of 316 companies
in the Credit Services industry
Industry Median: 9.3 vs PMTS: -6.70

CPI Card Group's EBITDA for the three months ended in Mar. 2026 was $17.4 Mil.

During the past 12 months, the average EBITDA Growth Rate of CPI Card Group was -4.00% per year. During the past 3 years, the average EBITDA Growth Rate was -6.20% per year. During the past 5 years, the average EBITDA Growth Rate was 4.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EBITDA Growth Rate using EBITDA data.

During the past 13 years, the highest 3-Year average EBITDA Growth Rate of CPI Card Group was 48.70% per year. The lowest was -35.50% per year. And the median was 6.30% per year.


CPI Card Group  (NAS:PMTS) EBITDA per Share Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals EBIT. EBIT is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost, it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies.


CPI Card Group EBITDA per Share Related Terms


CPI Card Group EBITDA per Share Historical Data

* Premium members only.

The historical data trend for CPI Card Group's EBITDA per Share 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 EBITDA per Share Chart

CPI Card Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBITDA per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.34 7.97 6.51 6.67 6.48

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
EBITDA per Share 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 1.53 1.25 1.57 2.14 1.47
PMTS
70GF Score
CPI Card Group Inc PMTS
EBITDA per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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CPI Card Group EBITDA per Share Calculation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

CPI Card Group's EBITDA per Share for the fiscal year that ended in Dec. 2025 is calculated as

EBITDA per Share(A: Dec. 2025 )
=EBITDA/Shares Outstanding (Diluted Average)
=77.302/11.922
=6.48

CPI Card Group's EBITDA per Share for the quarter that ended in Mar. 2026 is calculated as

EBITDA per Share(Q: Mar. 2026 )
=EBITDA/Shares Outstanding (Diluted Average)
=17.397/11.857
=1.47

EBITDA per Share 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 $6.43

* 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 EBITDA per Share →
What does a EBITDA per Share of $6.43 mean?
CPI Card Group (PMTS) has a EBITDA per Share of $6.43 as of Mar. 2026. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on CPI Card Group and its competitors. According to the industry distribution chart, CPI Card Group ranks #233 out of 316 companies in the Credit Services industry, placing it in the top 73.7%.
Is CPI Card Group's EBITDA per Share too high?
CPI Card Group's current EBITDA per Share is $6.43. The Credit Services industry median EBITDA per Share is 9.30. CPI Card Group's value of $6.43 is 30.9% below this industry median. Based on the distribution chart, CPI Card Group ranks #233 out of 316 companies in the Credit Services industry, which is below the industry midpoint. Overall, CPI Card Group has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CPI Card Group's EBITDA per Share compare to MFIN and CPSS?
According to the Credit Services industry distribution chart, CPI Card Group ranks #233 out of 316 companies for EBITDA per Share. This places CPI Card Group in the lower half of its industry. The industry median EBITDA per Share is 9.30. CPI Card Group's value of $6.43 is 30.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA per Share for a Credit Services company?
The median EBITDA per Share among Credit Services companies is 9.30, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA per Share significantly above this median, while those in the bottom quartile fall well below. However, EBITDA per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current EBITDA per Share of $6.43 is 30.9% 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 EBITDA per Share mean?
A high EBITDA per Share can signal that a stock is expensive relative to its fundamentals. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median EBITDA per Share is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current EBITDA per Share is $6.43. 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 $25.00, compared to a current price of $20.75 — trading 17% below its estimated fair value. The current EBITDA per Share is $6.43 and 30.9% below the Credit Services industry median of 9.30. CPI Card Group's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA per Share calculated?
EBITDA per Share is calculated from a company's financial statements. For CPI Card Group (PMTS), the current EBITDA per Share is $6.43 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 $20.75 is trading 17% below its estimated GF Value™ of $25.00. GuruFocus considers CPI Card Group to be Modestly Undervalued.

Key valuation signals for PMTS:

  • EBITDA per Share: $6.43
  • GF Value™: $25.00 vs. price of $20.75 (17% below fair value)
  • GF Score™: 70/100 with 5 warning signs
  • Industry Position: 30.9% below the Credit Services median (#233 of 316)

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.
70GF Score

Get the complete analysis for PMTS

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

$20.75
Price
$25.00
GF Value