PMTS (CPI Card Group) Moat Score: 3/10 (As of Jun. 28, 2026)


PMTS CPI Card Group Inc PMTS
72 GF Score
Price $20.13
GF Value $24.98
Valuation Modestly Undervalued
! 4 Warning Signs
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What is CPI Card Group Moat Score?

CPI Card Group PMTS +5.00% 72 Moat Score is 3 as of Jun. 28, 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. Among 566 Credit Services companies, CPI Card Group ranks better than 91.34% on this metric.

CPI Card Group has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

CPI Card Group has No Moat: CPI Card Group has some customer switching costs and a distribution network, but lacks strong brand strength, market leadership, or significant intellectual property, resulting in a weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CPI Card Group might have No Moat - Very weak/transient advantages.

CPI Card Group  (NAS:PMTS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CPI Card Group Moat Score Related Terms

PMTS vs XYF, ANTA, FOA: Moat Score Comparison

For the Credit Services subindustry, CPI Card Group's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Credit Services Industry

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

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


PMTS
72GF Score
CPI Card Group Inc PMTS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
CPI Card Group (PMTS) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, CPI Card Group ranks #49 out of 566 companies in the Credit Services industry, placing it in the top 8.7%.
Is CPI Card Group's Moat Score too high?
CPI Card Group's current Moat Score is 3. Based on the distribution chart, CPI Card Group ranks #49 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position 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 Moat Score compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #49 out of 566 companies for Moat Score. This places CPI Card Group in the top 9% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. CPI Card Group's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Moat Score is 3 as of Jun. 28, 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:

  • Moat Score: 3
  • 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

Other Exchanges CPB1:Germany
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 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.13
Price
$24.98
GF Value