CPI Card GroupPMTS +1.02%70 EV-to-FCF is 9.95 as of Jun. 30, 2026, which is 44% below its 10-year median of 17.92. GuruFocus rates PMTS with a GF Score™ of 70/100 and a GF Value™ of $24.98 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 265 Credit Services companies, CPI Card Group ranks better than 56.98% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CPI Card Group's Enterprise Value is $509.0 Mil.
CPI Card Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $51.2 Mil. Therefore, CPI Card Group's EV-to-FCF for today is 9.95.
The historical rank and industry rank for CPI Card Group's EV-to-FCF or its related term are showing as below:
PMTS'
s EV-to-FCF Range Over the Past 10 Years
Min: -318.31 Med: 17.92 Max: 321.36
Current: 9.95
During the past 13 years, the highest EV-to-FCF of CPI Card Group was 321.36. The lowest was -318.31. And the median was 17.92.
PMTS's EV-to-FCF is ranked better than 56.98% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs PMTS: 9.95
EV-to-FCF 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-FCF 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 $20.78.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
CPI Card Group EV-to-FCF Related Terms
CPI Card Group EV-to-FCF Historical Data
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The historical data trend for CPI Card Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CPI Card Group's EV-to-FCF falls into.
CPI Card Group's current Enterprise Value is $509.0 Mil.
CPI Card Group's Free Cash Flow 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 $51.2 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-FCF of 9.95 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CPI Card Group and its competitors. This is 44% below median its historical median of 17.92. According to the industry distribution chart, CPI Card Group ranks #114 out of 265 companies in the Credit Services industry, placing it in the top 43%.
Is CPI Card Group's EV-to-FCF too high?
CPI Card Group's current EV-to-FCF of 9.95 is 44% below median its 10-year median of 17.92. The Credit Services industry median EV-to-FCF is 12.99. CPI Card Group's value of 9.95 is 23.4% below this industry median. Based on the distribution chart, CPI Card Group ranks #114 out of 265 companies in the Credit Services industry, which is above 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 EV-to-FCF compare to MFIN and CPSS?
According to the Credit Services industry distribution chart, CPI Card Group ranks #114 out of 265 companies for EV-to-FCF. This puts CPI Card Group in the upper half of its industry. The industry median EV-to-FCF is 12.99. CPI Card Group's value of 9.95 is 23.4% below this benchmark. While the company's 10-year median is 17.92 vs. the industry median of 12.99, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current EV-to-FCF of 9.95 is 23.4% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current EV-to-FCF is 9.95, which is 44% below median its own 10-year median of 17.92. 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 $24.98, compared to a current price of $20.78 — trading 16.8% below its estimated fair value. The current EV-to-FCF is 9.95, which is 44% below median its 10-year median of 17.92 and 23.4% below the Credit Services industry median of 12.99. CPI Card Group's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For CPI Card Group (PMTS), the current EV-to-FCF is 9.95 as of Jun. 30, 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 $20.78 is trading 16.8% below its estimated GF Value™ of $24.98.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
EV-to-FCF: 9.95 (44% below median its 10-year median of 17.92)
GF Value™: $24.98 vs. price of $20.78 (16.8% below fair value)
Industry Position: 23.4% below the Credit Services median (#114 of 265)
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.
70GF Score
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