CPI Card GroupPMTS +3.28%72 FCF Margin % is 6.89% as of Mar. 2026, which is 81% above its 10-year median of 3.81. 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. Among 531 Credit Services companies, CPI Card Group ranks better than 58.38% on this metric.
The historical rank and industry rank for CPI Card Group's FCF Margin % or its related term are showing as below:
PMTS'
s FCF Margin % Range Over the Past 10 Years
Min: -2.16 Med: 3.81 Max: 14.79
Current: 9.01
During the past 13 years, the highest FCF Margin % of CPI Card Group was 14.79%. The lowest was -2.16%. And the median was 3.81%.
PMTS's FCF Margin % is ranked better than 58.38% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs PMTS: 9.01
CPI Card Group FCF Margin % Related Terms
CPI Card Group FCF Margin % Historical Data
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The historical data trend for CPI Card Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CPI Card Group's FCF Margin % 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 FCF Margin % of 6.89% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CPI Card Group and its competitors. This is 81% above median its historical median of 3.81. According to the industry distribution chart, CPI Card Group ranks #221 out of 531 companies in the Credit Services industry, placing it in the top 41.6%.
Is CPI Card Group's FCF Margin % too high?
CPI Card Group's current FCF Margin % of 6.89% is 81% above median its 10-year median of 3.81. The Credit Services industry median FCF Margin % is 0.24. CPI Card Group's value of 6.89% is 2770.8% above this industry median. Based on the distribution chart, CPI Card Group ranks #221 out of 531 companies in the Credit Services industry, which is above the industry midpoint. 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 FCF Margin % compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #221 out of 531 companies for FCF Margin %. This puts CPI Card Group in the upper half of its industry. The industry median FCF Margin % is 0.24. CPI Card Group's value of 6.89% is 2770.8% above this benchmark. While the company's 10-year median is 3.81 vs. the industry median of 0.24, CPI Card Group has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current FCF Margin % of 6.89% is 2770.8% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current FCF Margin % is 6.89%, which is 81% above median its own 10-year median of 3.81. 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 $19.50 — trading 21.9% below its estimated fair value. The current FCF Margin % is 6.89%, which is 81% above median its 10-year median of 3.81 and 2770.8% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For CPI Card Group (PMTS), the current FCF Margin % is 6.89% 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 $19.50 is trading 21.9% below its estimated GF Value™ of $24.97.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
FCF Margin %: 6.89% (81% above median its 10-year median of 3.81)
GF Value™: $24.97 vs. price of $19.50 (21.9% below fair value)
Industry Position: 2770.8% above the Credit Services median (#221 of 531)
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
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