CPI Card GroupPMTS +4.08%72 Pretax Margin % is 2.29% as of Mar. 2026, which is 44% below its 10-year median of 4.07. 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 534 Credit Services companies, CPI Card Group ranks worse than 74.91% on this metric.
The historical rank and industry rank for CPI Card Group's Pretax Margin % or its related term are showing as below:
PMTS'
s Pretax Margin % Range Over the Past 10 Years
Min: -17.71 Med: 4.07 Max: 10.33
Current: 3.29
PMTS's Pretax Margin % is ranked worse than 74.91% of 534
companies
in the Credit Services industry
Industry Median: 19.865
vs PMTS: 3.29
CPI Card Group (NAS:PMTS) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
CPI Card Group Pretax Margin % Related Terms
CPI Card Group Pretax Margin % Historical Data
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The historical data trend for CPI Card Group's Pretax 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.
PMTS vs XYF, ANTA, FOA: Pretax Margin % Comparison
For the Credit Services subindustry, CPI Card Group's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Pretax 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 Pretax Margin % of 2.29% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CPI Card Group and its competitors. This is 44% below median its historical median of 4.07. According to the industry distribution chart, CPI Card Group ranks #400 out of 534 companies in the Credit Services industry, placing it in the top 74.9%.
Is CPI Card Group's Pretax Margin % too high?
CPI Card Group's current Pretax Margin % of 2.29% is 44% below median its 10-year median of 4.07. The Credit Services industry median Pretax Margin % is 19.87. CPI Card Group's value of 2.29% is 88.5% below this industry median. Based on the distribution chart, CPI Card Group ranks #400 out of 534 companies in the Credit Services industry, which is below the industry midpoint. 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 Pretax Margin % compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #400 out of 534 companies for Pretax Margin %. This places CPI Card Group in the lower half of its industry. The industry median Pretax Margin % is 19.87. CPI Card Group's value of 2.29% is 88.5% below this benchmark. While the company's 10-year median is 4.07 vs. the industry median of 19.87, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 19.87, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Pretax Margin % of 2.29% is 88.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Pretax Margin % is 19.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Pretax Margin % is 2.29%, which is 44% below median its own 10-year median of 4.07. 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 $19.65 — trading 21.3% below its estimated fair value. The current Pretax Margin % is 2.29%, which is 44% below median its 10-year median of 4.07 and 88.5% below the Credit Services industry median of 19.87. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Pretax Margin % is 2.29% 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 $19.65 is trading 21.3% below its estimated GF Value™ of $24.97.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
Pretax Margin %: 2.29% (44% below median its 10-year median of 4.07)
GF Value™: $24.97 vs. price of $19.65 (21.3% below fair value)
Industry Position: 88.5% below the Credit Services median (#400 of 534)
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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