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CPI Card Group Inc. key statistics and ratios

In fiscal 2025, CPI Card Group Inc. had a net margin of 2.8%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin4.4%5.1%8.2%1.7%−9.8%−14.6%−1.8%5.2%4.2%7.7%5.4%4.1%2.8%2.3%
Return on assets—5.0%11.3%2.0%−8.8%−17.0%−2.4%6.7%6.0%12.9%8.1%6.1%4.0%3.5%
Effective tax rate38.4%39.2%36.3%36.8%———−25.6%33.1%25.7%30.4%22.0%30.6%34.3%
SG&A as % of revenue15.0%16.3%16.3%20.7%27.8%26.6%23.9%21.1%20.2%19.1%19.9%21.5%——
Dividends ÷ net income——746.2%139.3%——————————

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

2 of 4 checks passed · June 30, 2026
What it owns · $390m
Short-term assets $188mLonger-term assets $202m
What it owes, and who funded it · $402m
Short-term liabilities $90mLonger-term liabilities $312mShareholders' equity $-11m
  • Short-term assets cover short-term liabilities $188m of assets due within a year against $90m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $188m short-term assets against $312m of longer-dated liabilities.
  • More cash than debt $21m of cash against $262m of debt.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt $92m of operating cash flow against $262m of debt.
  • Operating profit covers interest at least five times over Interest not separately reported. Not assessable.

From CPI Card Group Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

54 /100

Moderate moat

How hard CPI Card Group's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 19 / 20

    Cash operating profit has been a median 14.4% of total assets over 10 years.

  • Pricing power 12 / 20

    Gross margin has been a median 33.3%, moving by 2.5 percentage points (standard deviation) across 10 years.

  • Durability 2 / 20

    Operating margin has been a median 10.3%; its worst year was -7.6%.

  • Cash conversion 12 / 20

    Free cash flow was positive in 9 of 10 years, at a median 5.1% of revenue.

  • Discipline 15 / 20

    The diluted share count rose 4.0% over five years; stock-based pay has been a median 0.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (60 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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More: Transaction & Payment Processing Services stocks compared, Financials sector, rankings of US companies

Figures from CPI Card Group Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to CPI Card Group Inc.