CPI Card GroupPMTS +3.28%72 Interest Coverage is 1.44 as of Mar. 2026, which is 15% below its 10-year median of 1.69. 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 163 Credit Services companies, CPI Card Group ranks worse than 89.57% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. CPI Card Group's
Operating Income
for the
three
months ended in Mar. 2026 was $11.0 Mil. CPI Card Group's Interest Expense for the
three
months ended in Mar. 2026 was $-7.7 Mil.
CPI Card Group's interest coverage for the quarter that ended in Mar. 2026 was 1.44.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for CPI Card Group's Interest Coverage or its related term are showing as below:
PMTS'
s Interest Coverage Range Over the Past 10 Years
Min: 0.2 Med: 1.69 Max: 2.67
Current: 1.59
PMTS's Interest Coverage is ranked worse than 89.57% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs PMTS: 1.59
CPI Card Group (NAS:PMTS) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
CPI Card Group Interest Coverage Related Terms
CPI Card Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for CPI Card Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
PMTS vs XYF, ANTA, FOA: Interest Coverage Comparison
For the Credit Services subindustry, CPI Card Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 1.44 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CPI Card Group and its competitors. This is 15% below median its historical median of 1.69. Over the past decade, CPI Card Group's Interest Coverage has ranged from 0.20 to 2.67. According to the industry distribution chart, CPI Card Group ranks #146 out of 163 companies in the Credit Services industry, placing it in the top 89.6%.
Is CPI Card Group's Interest Coverage too high?
CPI Card Group's current Interest Coverage of 1.44 is 15% below median its 10-year median of 1.69. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 2.67. The Credit Services industry median Interest Coverage is 47.86. CPI Card Group's value of 1.44 is 97% below this industry median. Based on the distribution chart, CPI Card Group ranks #146 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #146 out of 163 companies for Interest Coverage. This places CPI Card Group in the lower half of its industry. The industry median Interest Coverage is 47.86. CPI Card Group's value of 1.44 is 97% below this benchmark. Historically, CPI Card Group's own Interest Coverage has ranged from 0.20 to 2.67 over the past decade. While the company's 10-year median is 1.69 vs. the industry median of 47.86, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Interest Coverage of 1.44 is 97% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Interest Coverage is 1.44, which is 15% below median its own 10-year median of 1.69. 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 Interest Coverage is 1.44, which is 15% below median its 10-year median of 1.69 and 97% below the Credit Services industry median of 47.86. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Interest Coverage is 1.44 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:
Interest Coverage: 1.44 (15% below median its 10-year median of 1.69)
GF Value™: $24.97 vs. price of $19.50 (21.9% below fair value)
Industry Position: 97% below the Credit Services median (#146 of 163)
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
Get the complete analysis for PMTS
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