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CPI Card GroupPMTS +4.56%73 EV-to-OCF is 7.90 as of Aug. 05, 2026, which is 59% below its 10-year median of 19.26. GuruFocus rates PMTS with a GF Score™ of 73/100 and a GF Value™ of $25.14 (Fairly Valued). The stock has 7 warning signs investors should review. Among 544 Credit Services companies, CPI Card Group ranks worse than 68.93% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, CPI Card Group's Enterprise Value is $533.5 Mil.
CPI Card Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $67.6 Mil. Therefore, CPI Card Group's EV-to-OCF for today is 7.90.
The historical rank and industry rank for CPI Card Group's EV-to-OCF or its related term are showing as below:
PMTS'
s EV-to-OCF Range Over the Past 10 Years
Min: -69.25 Med: 19.26 Max: 134.32
Current: 7.9
During the past 13 years, the highest EV-to-OCF of CPI Card Group was 134.32. The lowest was -69.25. And the median was 19.26.
PMTS's EV-to-OCF is ranked worse than 68.93% of 544
companies
in the Credit Services industry
Industry Median: -0.815
vs PMTS: 7.90
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CPI Card Group's PE Ratio (TTM) for today is calculated as:
CPI Card Group's share price for today is $22.97.
CPI Card Group's Earnings per Share (Diluted) 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 $1.020.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
CPI Card Group EV-to-OCF Related Terms
CPI Card Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for CPI Card Group's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where CPI Card Group's EV-to-OCF falls into.
CPI Card Group's current Enterprise Value is $533.5 Mil.
CPI Card Group's Cash Flow from Operations 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 $67.6 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.
CPI Card Group (PMTS) has a EV-to-OCF of 7.90 as of Aug. 05, 2026. This is 59% below median its historical median of 19.26. According to the industry distribution chart, CPI Card Group ranks #375 out of 544 companies in the Credit Services industry, placing it in the top 68.9%.
Is CPI Card Group's EV-to-OCF too high?
CPI Card Group's current EV-to-OCF of 7.90 is 59% below median its 10-year median of 19.26. Based on the distribution chart, CPI Card Group ranks #375 out of 544 companies in the Credit Services industry, which is below the industry midpoint. Overall, CPI Card Group has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CPI Card Group's EV-to-OCF compare to MFIN and FOA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #375 out of 544 companies for EV-to-OCF. This places CPI Card Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. CPI Card Group's current EV-to-OCF is 7.90, which is 59% below median its own 10-year median of 19.26. 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 Fairly Valued. The stock's GF Value™ is $25.14, compared to a current price of $22.97 — trading 8.6% below its estimated fair value. The current EV-to-OCF is 7.90, which is 59% below median its 10-year median of 19.26. CPI Card Group's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For CPI Card Group (PMTS), the current EV-to-OCF is 7.90 as of Aug. 05, 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 $22.97 is trading 8.6% below its estimated GF Value™ of $25.14.
GuruFocus considers CPI Card Group to be Fairly Valued.
Key valuation signals for PMTS:
EV-to-OCF: 7.90 (59% below median its 10-year median of 19.26)
GF Value™: $25.14 vs. price of $22.97 (8.6% 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.
73GF Score
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