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CPI Card Group Piotroski F-Score

: 7 (As of Today)
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Good Sign:

Piotroski F-Score is 7, indicating very healthy situation.

The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

CPI Card Group has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.

The historical rank and industry rank for CPI Card Group's Piotroski F-Score or its related term are showing as below:

NAS:PMTS' s Piotroski F-Score Range Over the Past 10 Years
Min: 2   Med: 5   Max: 8
Current: 7

2
8

During the past 9 years, the highest Piotroski F-Score of CPI Card Group was 8. The lowest was 2. And the median was 5.


CPI Card Group Piotroski F-Score Historical Data

The historical data trend for CPI Card Group's Piotroski F-Score 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.

* Premium members only.

CPI Card Group Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Piotroski F-Score
Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.00 4.00 4.00 6.00 8.00

CPI Card Group Quarterly Data
Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21
Piotroski F-Score 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 Premium Member Only Premium Member Only Premium Member Only 7.00 8.00 8.00 6.00 7.00

Competitive Comparison

For the Credit Services subindustry, CPI Card Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score Distribution

For the Credit Services industry and Financial Services sector, CPI Card Group's Piotroski F-Score distribution charts can be found below:

* The bar in red indicates where CPI Card Group's Piotroski F-Score falls into.


How is the Piotroski F-Score calculated?

* 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.

This Year (Jun21) TTM:Last Year (Jun20) TTM:
Net Income was 5.809 + 7.285 + 2.41 + 6.232 = $21.7 Mil.
Cash Flow from Operations was -1.838 + 11.836 + 0.144 + 22.602 = $32.7 Mil.
Revenue was 82.702 + 84.14 + 89.092 + 93.219 = $349.2 Mil.
Gross Profit was 30.607 + 30.963 + 35.721 + 37.088 = $134.4 Mil.
Average Total Assets from the begining of this year (Jun20)
to the end of this year (Jun21) was
(246.504 + 253.688 + 266.151 + 246.294 + 248.368) / 5 = $252.201 Mil.
Total Assets at the begining of this year (Jun20) was $246.5 Mil.
Long-Term Debt & Capital Lease Obligation was $302.9 Mil.
Total Current Assets was $135.5 Mil.
Total Current Liabilities was $53.7 Mil.
Net Income was -0.657 + -2.395 + 1.756 + 1.279 = $-0.0 Mil.

Revenue was 71.681 + 72.625 + 73.969 + 71.378 = $289.7 Mil.
Gross Profit was 25.357 + 21.936 + 25.648 + 23.09 = $96.0 Mil.
Average Total Assets from the begining of last year (Jun19)
to the end of last year (Jun20) was
(210.292 + 213.749 + 213.011 + 237.39 + 246.504) / 5 = $224.1892 Mil.
Total Assets at the begining of last year (Jun19) was $210.3 Mil.
Long-Term Debt & Capital Lease Obligation was $334.8 Mil.
Total Current Assets was $132.2 Mil.
Total Current Liabilities was $44.9 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

CPI Card Group's current Net Income (TTM) was 21.7. ==> Positive ==> Score 1.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

CPI Card Group's current Cash Flow from Operations (TTM) was 32.7. ==> Positive ==> Score 1.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Jun20)
=21.736/246.504
=0.08817707

ROA (Last Year)=Net Income/Total Assets (Jun19)
=-0.017/210.292
=-8.084E-5

CPI Card Group's return on assets of this year was 0.08817707. CPI Card Group's return on assets of last year was -8.084E-5. ==> This year is higher. ==> Score 1.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

CPI Card Group's current Net Income (TTM) was 21.7. CPI Card Group's current Cash Flow from Operations (TTM) was 32.7. ==> 32.7 > 21.7 ==> CFROA > ROA ==> Score 1.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Jun21)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Jun20 to Jun21
=302.877/252.201
=1.20093497

Gearing (Last Year: Jun20)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Jun19 to Jun20
=334.819/224.1892
=1.49346623

CPI Card Group's gearing of this year was 1.20093497. CPI Card Group's gearing of last year was 1.49346623. ==> This year is lower or equal to last year. ==> Score 1.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

Current Ratio (This Year: Jun21)=Total Current Assets/Total Current Liabilities
=135.477/53.744
=2.52078372

Current Ratio (Last Year: Jun20)=Total Current Assets/Total Current Liabilities
=132.233/44.857
=2.94787881

CPI Card Group's current ratio of this year was 2.52078372. CPI Card Group's current ratio of last year was 2.94787881. ==> Last year's current ratio is higher ==> Score 0.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

CPI Card Group's number of shares in issue this year was 11.762. CPI Card Group's number of shares in issue last year was 11.234. ==> There is larger number of shares in issue this year. ==> Score 0.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

Gross Margin (This Year: TTM)=Gross Profit/Revenue
=134.379/349.153
=0.38487139

Gross Margin (Last Year: TTM)=Gross Profit/Revenue
=96.031/289.653
=0.33153808

CPI Card Group's gross margin of this year was 0.38487139. CPI Card Group's gross margin of last year was 0.33153808. ==> This year's gross margin is higher. ==> Score 1.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Jun20)
=349.153/246.504
=1.41641921

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Jun19)
=289.653/210.292
=1.37738478

CPI Card Group's asset turnover of this year was 1.41641921. CPI Card Group's asset turnover of last year was 1.37738478. ==> This year's asset turnover is higher. ==> Score 1.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=1+1+1+1+1+0+0+1+1
=7

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

CPI Card Group has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.

CPI Card Group  (NAS:PMTS) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


CPI Card Group Piotroski F-Score Related Terms

Thank you for viewing the detailed overview of CPI Card Group's Piotroski F-Score provided by GuruFocus.com. Please click on the following links to see related term pages.


CPI Card Group Business Description

CPI Card Group logo
Industry
Financial Services » Credit Services NAICS : 522220 SIC : 6153
Traded in Other Exchanges
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, which produces Financial Payment Cards and provides integrated card services to card-issuing banks primarily in the United States, and Prepaid Debit, which provides integrated card services to Prepaid Debit Card program managers primarily in the United States. It derives key revenue from the Debit and Credit segment.
Executives
Scheirman Scott director, officer: President & CEO THE WESTERN UNION COMPANY 12500 EAST BELFORD AVENUE ENGLEWOOD CO 80112
Dubin Lane officer: SVP & GM of Pers., Ppd. & Iss. C/O CPI CARD GROUP INC. 10368 WEST CENTENNIAL RD. LITTLETON IL 80127
Kilgore Sarah officer: Chief Legal & Compliance Off. C/O CPI CARD GROUP, INC. 10026 WEST SAN JUAN WAY LITTLETON CO 80127
Lowe John Daniel officer: CFO C/O CPI CARD GROUP 10026 W. SAN JUAN WAY, SUITE 200 LITTLETON CO 80127
Dimaggio Guy officer: SVP and GM of Secure Card C/O CPI CARD GROUP INC. 10026 WEST SAN JUAN WAY LITTLETON CO 80127
Frasier Loretta G officer: Chief Human Resources Officer C/O CPI CARD GROUP INC. 10026 W. SAN JUAN WAY LITTLETON CO 80127
Williams Sarah Elizabeth officer: Chief Technology Officer C/O CPI CARD GROUP INC. 10026 W. SAN JUAN WAY LITTLETON CO 80127
Sheinbaum Marc director 24 DEERFIELD ROAD CHAPPAQUA NY 10514
Peters Nicholas A director 10368 WEST CENTENNIAL RD. LITTLETON CO 80127
Pearce Robert director 10368 WEST CENTENNIAL RD. LITTLETON CO 80127
Pearce Douglas director C/O CPI CARD GROUP INC. 10026 WEST SAN JUAN WAY LITTLETON CO 80127
Soranno Keating Valerie director C/O CPI CARD GROUP INC. 10026 WEST SAN JUAN WAY LITTLETON CO 80127
Jacoba Lisa officer: Chief Human Resources Officer 10368 WEST CENTENNIAL RD. LITTLETON CO 80127
Bohrer Jason officer: GM & SVP Secure Card C/O CPI CARD GROUP INC. 10368 WEST CENTENNIAL ROAD LITTLETON CO 80127
Tavares Silvio director 20 TIPTOE LANE BURLINGAME CA 94010

CPI Card Group Headlines

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