CPI Card GroupPMTS +2.91%72 Gross Margin % is 29.99% as of Mar. 2026, which is 12% below its 10-year median of 34.00. 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 388 Credit Services companies, CPI Card Group ranks worse than 75% on this metric.
CPI Card Group Inc gross margin has been in long-term decline. The average rate of decline per year is -2.4%.
The historical rank and industry rank for CPI Card Group's Gross Margin % or its related term are showing as below:
PMTS'
s Gross Margin % Range Over the Past 10 Years
Min: 30.48 Med: 34 Max: 37.7
Current: 30.56
During the past 13 years, the highestGross Margin % of CPI Card Group was 37.70%. The lowest was 30.48%. And the median was 34.00%.
PMTS's Gross Margin % is ranked worse than 75% of 388
companies
in the Credit Services industry
Industry Median: 51.845
vs PMTS: 30.56
CPI Card Group had a gross margin of 29.99% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for CPI Card Group was -2.40% per year.
CPI Card Group (NAS:PMTS) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
CPI Card Group had a gross margin of 29.99% for the quarter that ended in Mar. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
CPI Card Group Gross Margin % Related Terms
CPI Card Group Gross Margin % Historical Data
* Premium members only.
The historical data trend for CPI Card Group's Gross 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 Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
CPI Card Group (PMTS) has a Gross Margin % of 29.99% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on CPI Card Group and its competitors. This is 12% below median its historical median of 34.00. Over the past decade, CPI Card Group's Gross Margin % has ranged from 30.48 to 37.70. According to the industry distribution chart, CPI Card Group ranks #291 out of 388 companies in the Credit Services industry, placing it in the top 75%.
Is CPI Card Group's Gross Margin % too high?
CPI Card Group's current Gross Margin % of 29.99% is 12% below median its 10-year median of 34.00. Over the past 10 years, this metric has ranged from a low of 30.48 to a high of 37.70. The Credit Services industry median Gross Margin % is 51.85. CPI Card Group's value of 29.99% is 42.2% below this industry median. Based on the distribution chart, CPI Card Group ranks #291 out of 388 companies in the Credit Services industry, which is below 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 Gross Margin % compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #291 out of 388 companies for Gross Margin %. This places CPI Card Group in the lower half of its industry. The industry median Gross Margin % is 51.85. CPI Card Group's value of 29.99% is 42.2% below this benchmark. Historically, CPI Card Group's own Gross Margin % has ranged from 30.48 to 37.70 over the past decade. While the company's 10-year median is 34.00 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Gross Margin % of 29.99% is 42.2% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Gross Margin % is 29.99%, which is 12% below median its own 10-year median of 34.00. 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 $19.43 — trading 22.2% below its estimated fair value. The current Gross Margin % is 29.99%, which is 12% below median its 10-year median of 34.00 and 42.2% below the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Gross Margin % is 29.99% 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 $19.43 is trading 22.2% below its estimated GF Value™ of $24.97.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
Gross Margin %: 29.99% (12% below median its 10-year median of 34.00)
GF Value™: $24.97 vs. price of $19.43 (22.2% below fair value)
Industry Position: 42.2% below the Credit Services median (#291 of 388)
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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