CPI Card GroupPMTS +3.28%72 Quick Ratio is 1.66 as of Mar. 2026, which is 7% below its 10-year median of 1.78. 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 394 Credit Services companies, CPI Card Group ranks worse than 69.54% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. CPI Card Group's quick ratio for the quarter that ended in Mar. 2026 was 1.66.
CPI Card Group has a quick ratio of 1.66. It generally indicates good short-term financial strength.
The historical rank and industry rank for CPI Card Group's Quick Ratio or its related term are showing as below:
PMTS'
s Quick Ratio Range Over the Past 10 Years
Min: 1.32 Med: 1.78 Max: 2.85
Current: 1.66
During the past 13 years, CPI Card Group's highest Quick Ratio was 2.85. The lowest was 1.32. And the median was 1.78.
PMTS's Quick Ratio is ranked worse than 69.54% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs PMTS: 1.66
CPI Card Group (NAS:PMTS) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
CPI Card Group Quick Ratio Related Terms
CPI Card Group Quick Ratio Historical Data
* Premium members only.
The historical data trend for CPI Card Group's Quick Ratio 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 Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CPI Card Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where CPI Card Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
CPI Card Group's Quick Ratio 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 (PMTS) has a Quick Ratio of 1.66 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on CPI Card Group and its competitors. This is near median its historical median of 1.78. Over the past decade, CPI Card Group's Quick Ratio has ranged from 1.32 to 2.85. According to the industry distribution chart, CPI Card Group ranks #274 out of 394 companies in the Credit Services industry, placing it in the top 69.5%.
Is CPI Card Group's Quick Ratio too high?
CPI Card Group's current Quick Ratio of 1.66 is near median its 10-year median of 1.78. Over the past 10 years, this metric has ranged from a low of 1.32 to a high of 2.85. The Credit Services industry median Quick Ratio is 4.93. CPI Card Group's value of 1.66 is 66.3% below this industry median. Based on the distribution chart, CPI Card Group ranks #274 out of 394 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 Quick Ratio compare to XYF and ANTA?
According to the Credit Services industry distribution chart, CPI Card Group ranks #274 out of 394 companies for Quick Ratio. This places CPI Card Group in the lower half of its industry. The industry median Quick Ratio is 4.93. CPI Card Group's value of 1.66 is 66.3% below this benchmark. Historically, CPI Card Group's own Quick Ratio has ranged from 1.32 to 2.85 over the past decade. While the company's 10-year median is 1.78 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current Quick Ratio of 1.66 is 66.3% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on CPI Card Group and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current Quick Ratio is 1.66, which is near median its own 10-year median of 1.78. 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 $19.50 — trading 21.9% below its estimated fair value. The current Quick Ratio is 1.66, which is near median its 10-year median of 1.78 and 66.3% below the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For CPI Card Group (PMTS), the current Quick Ratio is 1.66 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 $19.50 is trading 21.9% below its estimated GF Value™ of $24.97.
GuruFocus considers CPI Card Group to be Modestly Undervalued.
Key valuation signals for PMTS:
Quick Ratio: 1.66 (near median its 10-year median of 1.78)
GF Value™: $24.97 vs. price of $19.50 (21.9% below fair value)
Industry Position: 66.3% below the Credit Services median (#274 of 394)
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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