PMTS (CPI Card Group) ROCE %: 13.93% (As of Mar. 2026)


PMTS CPI Card Group Inc PMTS
72 GF Score
Price $19.65
GF Value $24.97
Valuation Modestly Undervalued
! 4 Warning Signs
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What is CPI Card Group ROCE %?

CPI Card Group PMTS +4.08% 72 ROCE % is 13.93% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. CPI Card Group's annualized ROCE % for the quarter that ended in Mar. 2026 was 13.93%.

CPI Card Group  (NAS:PMTS) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

CPI Card Group ROCE % Related Terms

CPI Card Group ROCE % Historical Data

* Premium members only.

The historical data trend for CPI Card Group's ROCE % 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.

CPI Card Group ROCE % Chart

CPI Card Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.82 36.46 26.05 24.23 18.49

CPI Card Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.12 12.41 15.48 23.39 13.93
PMTS
72GF Score
CPI Card Group Inc PMTS
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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CPI Card Group ROCE % Calculation

CPI Card Group's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=54.841/( ( (349.657 - 75.587) + (403.191 - 84.097) )/ 2 )
=54.841/( (274.07+319.094)/ 2 )
=54.841/296.582
=18.49 %

CPI Card Group's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=43.976/( ( (403.191 - 84.097) + (386.454 - 74.329) )/ 2 )
=43.976/( ( 319.094 + 312.125 )/ 2 )
=43.976/315.6095
=13.93 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 13.93% mean?
CPI Card Group (PMTS) has a ROCE % of 13.93% as of Mar. 2026.
Is CPI Card Group's ROCE % too high?
CPI Card Group's current ROCE % is 13.93%. The Credit Services industry median ROCE % is 3.39. CPI Card Group's value of 13.93% is 310.9% above this industry median. 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 ROCE % compare to XYF and ANTA?
CPI Card Group's ROCE % of 13.93% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. CPI Card Group's value of 13.93% is 310.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CPI Card Group's current ROCE % of 13.93% is 310.9% above 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CPI Card Group's current ROCE % is 13.93%. 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 ROCE % is 13.93% and 310.9% above the Credit Services industry median of 3.39. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For CPI Card Group (PMTS), the current ROCE % is 13.93% 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:

  • ROCE %: 13.93%
  • GF Value™: $24.97 vs. price of $19.65 (21.3% below fair value)
  • GF Score™: 72/100 with 4 warning signs
  • Industry Position: 310.9% above the Credit Services median

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

Get the complete analysis for PMTS

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.65
Price
$24.97
GF Value