PMTS (CPI Card Group) LT-Debt-to-Total-Asset: 0.72 (As of Mar. 2026)

What is CPI Card Group LT-Debt-to-Total-Asset?

CPI Card Group PMTS +5.00% 72 LT-Debt-to-Total-Asset is 0.72 as of Mar. 2026. GuruFocus rates PMTS with a GF Score™ of 72/100 and a GF Value™ of $24.98 (Modestly Undervalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. CPI Card Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.72.

CPI Card Group's long-term debt to total assets ratio declined from Mar. 2025 (0.80) to Mar. 2026 (0.72). It may suggest that CPI Card Group is progressively becoming less dependent on debt to grow their business.

CPI Card Group (NAS:PMTS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

CPI Card Group LT-Debt-to-Total-Asset Related Terms

CPI Card Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for CPI Card Group's LT-Debt-to-Total-Asset 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.

CPI Card Group LT-Debt-to-Total-Asset Chart

CPI Card Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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1.13

0.96

0.90

0.80

0.71

CPI Card Group Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.80	0.78	0.76	0.71	0.72

72GF Score

CPI Card Group Inc PMTS

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CPI Card Group LT-Debt-to-Total-Asset Calculation

CPI Card Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	286.668	/	403.191
	=	0.71

CPI Card Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	276.903	/	386.454
	=	0.72

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.72 mean?

CPI Card Group (PMTS) has a LT-Debt-to-Total-Asset of 0.72 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on CPI Card Group and its competitors.

Is CPI Card Group's LT-Debt-to-Total-Asset too high?

CPI Card Group's current LT-Debt-to-Total-Asset is 0.72. 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 LT-Debt-to-Total-Asset compare to MFIN and CPSS?

CPI Card Group's LT-Debt-to-Total-Asset of 0.72 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on CPI Card Group and its competitors. CPI Card Group's current LT-Debt-to-Total-Asset is 0.72. 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 $20.13 — trading 19.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.72. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For CPI Card Group (PMTS), the current LT-Debt-to-Total-Asset is 0.72 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 $20.13 is trading 19.4% below its estimated GF Value™ of $24.98. GuruFocus considers CPI Card Group to be Modestly Undervalued.

Key valuation signals for PMTS:

LT-Debt-to-Total-Asset: 0.72
GF Value™: $24.98 vs. price of $20.13 (19.4% below fair value)
GF Score™: 72/100 with 4 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies MFIN CPSS FOA OPRT XYF TROO JFIN LX ANTA YRD V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges CPB1:Germany

Address 10368 West Centennial Road, Littleton, CO, USA, 80127

Website https://cpicardgroup.com

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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$20.13

Price

$24.98

GF Value

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