CPI Card GroupFRA:CPB1 -3.90%70 Operating Margin % is 7.47% as of Mar. 2026, which is 34% below its 10-year median of 11.28. GuruFocus rates FRA:CPB1 with a GF Score™ of 70/100 and a GF Value™ of €20.25. The stock has 4 warning signs investors should review. Among 412 Credit Services companies, CPI Card Group ranks worse than 62.14% on this metric.
CPI Card Group (FRA:CPB1) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
CPI Card Group Operating Margin % Related Terms
CPI Card Group Operating Margin % Historical Data
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The historical data trend for CPI Card Group's Operating 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.
FRA:CPB1 vs XYF, ANTA, FOA: Operating Margin % Comparison
For the Credit Services subindustry, CPI Card Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Operating Margin % distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
CPI Card Group's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (FRA:CPB1) has a Operating Margin % of 7.47% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on CPI Card Group and its competitors. This is 34% below median its historical median of 11.28. According to the industry distribution chart, CPI Card Group ranks #256 out of 412 companies in the Credit Services industry, placing it in the top 62.1%.
Is CPI Card Group's Operating Margin % too high?
CPI Card Group's current Operating Margin % of 7.47% is 34% below median its 10-year median of 11.28. The Credit Services industry median Operating Margin % is 17.33. CPI Card Group's value of 7.47% is 56.9% below this industry median. Based on the distribution chart, CPI Card Group ranks #256 out of 412 companies in the Credit Services industry, which is below the industry midpoint. Overall, CPI Card Group has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does CPI Card Group's Operating Margin % compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #256 out of 412 companies for Operating Margin %. This places CPI Card Group in the lower half of its industry. The industry median Operating Margin % is 17.33. CPI Card Group's value of 7.47% is 56.9% below this benchmark. While the company's 10-year median is 11.28 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Operating Margin % of 7.47% is 56.9% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Operating Margin % is 7.47%, which is 34% below median its own 10-year median of 11.28. 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?
CPI Card Group (FRA:CPB1) has a current Operating Margin % of 7.47%. The stock's GF Value™ is €20.25, compared to a current price of €14.80 — trading 26.9% below its estimated fair value. The current Operating Margin % is 7.47%, which is 34% below median its 10-year median of 11.28 and 56.9% below the Credit Services industry median of 17.33. CPI Card Group's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For CPI Card Group (FRA:CPB1), the current Operating Margin % is 7.47% 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 (FRA:CPB1) Overvalued in 2026?
Based on GuruFocus' analysis, CPI Card Group stock appears to be undervalued.
The current stock price of €14.80 is trading 26.9% below its estimated GF Value™ of €20.25.
Key valuation signals for FRA:CPB1:
Operating Margin %: 7.47% (34% below median its 10-year median of 11.28)
GF Value™: €20.25 vs. price of €14.80 (26.9% below fair value)
Industry Position: 56.9% below the Credit Services median (#256 of 412)
No single metric tells the full story. See the FRA:CPB1 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.
70GF Score
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