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CPI Card GroupPMTS +13.37%72 Net Margin % is 1.37% as of Jun. 2026, which is 60% below its 10-year median of 3.41. GuruFocus rates PMTS with a GF Score™ of 72/100 and a GF Value™ of $23.71 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 537 Credit Services companies, CPI Card Group ranks worse than 75.23% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CPI Card Group's Net Income for the
three
months ended in Jun. 2026 was $2.0 Mil. CPI Card Group's Revenue for the
three
months ended in Jun. 2026 was $149.2 Mil. Therefore, CPI Card Group's net margin for the quarter that ended in Jun. 2026 was 1.37%.
The historical rank and industry rank for CPI Card Group's Net Margin % or its related term are showing as below:
PMTS'
s Net Margin % Range Over the Past 10 Years
Min: -14.64 Med: 3.41 Max: 7.68
Current: 2.34
PMTS's Net Margin % is ranked worse than 75.23% of 537
companies
in the Credit Services industry
Industry Median: 15.07
vs PMTS: 2.34
CPI Card Group (NAS:PMTS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CPI Card Group Net Margin % Related Terms
CPI Card Group Net Margin % Historical Data
* Premium members only.
The historical data trend for CPI Card Group's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Net 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.
CPI Card Group (PMTS) has a Net Margin % of 1.37% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on CPI Card Group and its competitors. This is 60% below median its historical median of 3.41. According to the industry distribution chart, CPI Card Group ranks #404 out of 537 companies in the Credit Services industry, placing it in the top 75.2%.
Is CPI Card Group's Net Margin % too high?
CPI Card Group's current Net Margin % of 1.37% is 60% below median its 10-year median of 3.41. The Credit Services industry median Net Margin % is 15.07. CPI Card Group's value of 1.37% is 90.9% below this industry median. Based on the distribution chart, CPI Card Group ranks #404 out of 537 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 Overvalued, reflecting its overall financial health beyond just this single metric.
How does CPI Card Group's Net Margin % compare to MFIN and FOA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #404 out of 537 companies for Net Margin %. This places CPI Card Group in the lower half of its industry. The industry median Net Margin % is 15.07. CPI Card Group's value of 1.37% is 90.9% below this benchmark. While the company's 10-year median is 3.41 vs. the industry median of 15.07, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Net Margin % of 1.37% is 90.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Net Margin % is 1.37%, which is 60% below median its own 10-year median of 3.41. 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 Overvalued. The stock's GF Value™ is $23.71, compared to a current price of $27.71 — trading 16.9% above its estimated fair value. The current Net Margin % is 1.37%, which is 60% below median its 10-year median of 3.41 and 90.9% below the Credit Services industry median of 15.07. CPI Card Group's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Net Margin % is 1.37% as of Jun. 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 overvalued.
The current stock price of $27.71 is trading 16.9% above its estimated GF Value™ of $23.71.
GuruFocus considers CPI Card Group to be Modestly Overvalued.
Key valuation signals for PMTS:
Net Margin %: 1.37% (60% below median its 10-year median of 3.41)
GF Value™: $23.71 vs. price of $27.71 (16.9% above fair value)
Industry Position: 90.9% below the Credit Services median (#404 of 537)
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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