Cash flow CPI Card Group Inc.

Equities

PMTS

US12634H2004

Consumer Lending

Market Closed - Nasdaq Other stock markets 04:00:00 2025-06-23 pm EDT			5-day change	1st Jan Change
23.06 ^USD	+0.48%		+0.13%	-22.85%

May. 27	Cpi Card Group Insider Bought Shares Worth $251,172, According to a Recent SEC Filing	MT
May. 12	Cpi Card Group Insider Bought Shares Worth $322,650, According to a Recent SEC Filing	MT

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Published financial data: CPI CARD GROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	312M	375M	476M	445M	481M
Total Revenues	312M	375M	476M	445M	481M
Cost of Goods Sold, Total	191M	225M	291M	279M	298M
Gross Profit	121M	150M	185M	166M	183M
Selling General & Admin Expenses, Total	64.86M	75.7M	90.78M	88.26M	103M
Depreciation & Amortization - (IS)	16.83M	15.1M	14.89M	15.93M	16.42M
Other Operating Expenses	926K	-	-	-	-
Other Operating Expenses, Total	82.62M	90.8M	106M	104M	120M
Operating Income	38.39M	59.46M	79.13M	61.59M	62.79M
Interest Expense, Total	-25.4M	-30.61M	-29.02M	-26.91M	-34.09M
Net Interest Expenses	-25.4M	-30.61M	-29.02M	-26.91M	-34.09M
Currency Exchange Gains (Loss)	-7K	-	-	-	-
Other Non Operating Income (Expenses)	-102K	14K	107K	-215K	-691K
EBT, Excl. Unusual Items	12.88M	28.87M	50.22M	34.46M	28.01M
Restructuring Charges	-	-	-	-	-
Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-5.05M	-1.07M	-	-2.99M
EBT, Incl. Unusual Items	12.88M	23.82M	49.15M	34.46M	25.03M
Income Tax Expense	-3.3M	7.88M	12.61M	10.48M	5.51M
Earnings From Continuing Operations	16.19M	15.94M	36.54M	23.98M	19.52M
Earnings Of Discontinued Operations	-61K	-	-	-	-
Net Income to Company	16.13M	15.94M	36.54M	23.98M	19.52M
Net Income - (IS)	16.13M	15.94M	36.54M	23.98M	19.52M
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	16.13M	15.94M	36.54M	23.98M	19.52M
Net Income to Common Excl. Extra Items	16.19M	15.94M	36.54M	23.98M	19.52M
Per Share Items
Net EPS - Basic	1.44	1.42	3.24	2.1	1.75
Basic EPS - Continuing Operations	1.44	1.42	3.24	2.1	1.75
Basic Weighted Average Shares Outstanding	11.23M	11.24M	11.29M	11.43M	11.15M
Net EPS - Diluted	1.43	1.36	3.11	2.01	1.64
Diluted EPS - Continuing Operations	1.44	1.36	3.11	2.01	1.64
Diluted Weighted Average Shares Outstanding	11.23M	11.76M	11.75M	11.92M	11.88M
Normalized Basic EPS	0.72	1.61	2.78	1.89	1.57
Normalized Diluted EPS	0.72	1.53	2.67	1.81	1.47
Dividend Per Share	-	-	-	-	-
Payout Ratio	-	-	-	-	-
Supplemental Items
EBITDA	55.22M	74.56M	94.02M	77.52M	79.21M
EBITA	42.99M	63.82M	83M	65.46M	66.42M
EBIT	38.39M	59.46M	79.13M	61.59M	62.79M
EBITDAR	58.61M	77.91M	97.72M	81.45M	83.5M
Total Revenues (As Reported)	312M	375M	476M	445M	481M
Effective Tax Rate - (Ratio)	-25.65	33.08	25.65	30.4	22
Current Domestic Taxes	-4.36M	10.04M	11.05M	10.13M	9.32M
Current Foreign Taxes	16K	-1K	5K	20K	9K
Total Current Taxes	-4.35M	10.04M	11.05M	10.15M	9.33M
Deferred Domestic Taxes	1.04M	-2.15M	1.55M	331K	-3.82M
Deferred Foreign Taxes	-	-2K	1K	-	-
Total Deferred Taxes	1.04M	-2.16M	1.56M	331K	-3.82M
Normalized Net Income	8.05M	18.04M	31.39M	21.54M	17.51M
Interest on Long-Term Debt	540K	380K	482K	784K	1.1M
Supplemental Operating Expense Items
Advertising Expense	-	-	-	-	-
Net Rental Expense, Total	3.39M	3.35M	3.71M	3.93M	4.29M
Imputed Operating Lease Interest Expense	2.05M	2.45M	2.74M	2.81M	3.84M
Imputed Operating Lease Depreciation	1.34M	904K	969K	1.12M	447K
Stock-Based Comp., SG&A Exp. (Total)	136K	1.25M	3.48M	7.51M	8.54M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	136K	1.25M	3.48M	7.51M	8.54M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	57.6M	20.68M	11.04M	12.41M	33.54M
Total Cash And Short Term Investments	57.6M	20.68M	11.04M	12.41M	33.54M
Accounts Receivable, Total	54.59M	60.95M	80.58M	73.72M	85.49M
Other Receivables	10.51M	534K	172K	-	-
Total Receivables	65.1M	61.49M	80.76M	73.72M	85.49M
Inventory	24.8M	58.01M	68.4M	70.59M	72.66M
Prepaid Expenses	5.03M	5.52M	7.38M	8.65M	11.35M
Total Current Assets	153M	146M	168M	165M	203M
Gross Property Plant And Equipment	94.5M	109M	112M	129M	144M
Accumulated Depreciation	-55.09M	-61.94M	-55.11M	-66.44M	-75.63M
Net Property Plant And Equipment	39.4M	47.25M	57.18M	63.05M	68.65M
Goodwill	47.15M	47.15M	47.15M	47.15M	47.15M
Other Intangibles, Total	26.21M	21.85M	17.99M	14.12M	10.49M
Other Long-Term Assets, Total	857K	6.18M	6.78M	3.98M	20.32M
Total Assets	266M	268M	297M	294M	350M
Liabilities
Accounts Payable, Total	18.88M	26.44M	24.37M	12.8M	16.12M
Accrued Expenses, Total	23.74M	33.04M	34.37M	28.48M	40.49M
Current Portion of Long-Term Debt	8.03M	-	-	-	-
Current Portion of Leases	4.41M	4.11M	5.7M	7.32M	9.06M
Current Income Taxes Payable	-	-	-	-	-
Unearned Revenue Current, Total	1.87M	1.18M	3.57M	840K	1.48M
Other Current Liabilities	-	-	-	-	8.43M
Total Current Liabilities	56.93M	64.78M	68.01M	49.44M	75.59M
Long-Term Debt	329M	304M	286M	265M	280M
Long-Term Leases	8.54M	13.37M	16.26M	22.71M	24.45M
Deferred Tax Liability Non Current	7.41M	5.25M	6.81M	7.14M	3.32M
Other Non Current Liabilities	2.63M	2.14M	2.14M	1.33M	1.52M
Total Liabilities	404M	389M	379M	346M	385M
Common Stock, Total	11K	11K	11K	11K	11K
Retained Earnings	-26.19M	-10.25M	26.29M	50.28M	69.8M
Comprehensive Income and Other	-112M	-111M	-108M	-102M	-105M
Total Common Equity	-138M	-121M	-82.08M	-51.94M	-35.62M
Total Equity	-138M	-121M	-82.08M	-51.94M	-35.62M
Total Liabilities And Equity	266M	268M	297M	294M	350M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11.23M	11.26M	11.39M	11.4M	11.24M
ECS Total Common Shares Outstanding	11.23M	11.26M	11.39M	11.45M	11.24M
Book Value / Share	-12.29	-10.75	-7.21	-4.54	-3.17
Tangible Book Value	-211M	-190M	-147M	-113M	-93.26M
Tangible Book Value Per Share	-18.82	-16.88	-12.92	-9.89	-8.3
Total Debt	350M	321M	307M	295M	314M
Net Debt	292M	300M	296M	283M	280M
Debt Equivalent Oper. Leases	27.13M	26.8M	29.65M	31.46M	34.3M
Account Code - Inventory Valuation	3	-	5	5	5
Inventories - Raw Materials, Total	23.01M	54.25M	61.43M	66.21M	64.82M
Inventories - Work In Process, Total	-	-	-	-	-
Inventories - Finished Goods, Total	4.64M	6.78M	10.3M	7.16M	7.84M
Buildings, Total	-	-	-	-	-
Machinery, Total	59.87M	68.62M	67.86M	67.61M	105M
Full Time Employees	1K	1.15K	1.38K	1.45K	1.5K
Assets under Capital Lease - Gross	-	-	-	-	-
Accumulated Allowance for Doubtful Accounts (Supple)	289K	86K	218K	246K	186K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	16.13M	15.94M	36.54M	23.98M	19.52M
Depreciation & Amortization - CF	12.23M	10.74M	11.02M	12.06M	12.79M
Amortization of Goodwill and Intangible Assets - (CF)	4.6M	4.35M	3.87M	3.87M	3.63M
Depreciation & Amortization, Total	16.83M	15.1M	14.89M	15.93M	16.42M
Amortization of Deferred Charges, Total - (CF)	3.45M	2.37M	1.93M	1.86M	1.54M
Asset Writedown & Restructuring Costs	-	-	-	-	-
Stock-Based Compensation (CF)	136K	1.25M	3.48M	7.51M	8.54M
Tax Benefit from Stock Options	-	-	-	-	-
Net Cash From Discontinued Operations	-61K	-	-	-	-
Other Operating Activities, Total	2.94M	3.1M	3.12M	-81K	4.83M
Change In Accounts Receivable	-11.66M	-6.36M	-19.74M	6.8M	-11.79M
Change In Inventories	-6.1M	-33.39M	-10.7M	-1.64M	-1.99M
Change In Accounts Payable	1.66M	6.58M	-453K	-11.26M	2.76M
Change in Unearned Revenues	1.4M	-690K	2.39M	-2.73M	645K
Change In Income Taxes	-6.35M	9.98M	362K	-1.16M	985K
Change in Other Net Operating Assets	3.64M	6.35M	-474K	-5.16M	1.85M
Cash from Operations	22.01M	20.23M	31.34M	34.04M	43.31M
Capital Expenditure	-7.09M	-10.07M	-17.87M	-6.4M	-9.26M
Divestitures	-	-	-	-	-
Other Investing Activities, Total	-	156K	95K	183K	36K
Cash from Investing	-7.09M	-9.92M	-17.77M	-6.22M	-9.22M
Short Term Debt Issued, Total	-	14.75M	-	-	-
Long-Term Debt Issued, Total	29.1M	310M	37.07M	13M	285M
Total Debt Issued	29.1M	325M	37.07M	13M	285M
Short Term Debt Repaid, Total	-	-15M	-	-	-
Long-Term Debt Repaid, Total	-2.62M	-345M	-58.3M	-38.82M	-273M
Total Debt Repaid	-2.62M	-360M	-58.3M	-38.82M	-273M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-	-	-250K	-12.48M
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	-2.51M	-12.31M	-1.94M	-368K	-12.36M
Cash from Financing	23.98M	-47.23M	-23.16M	-26.44M	-12.96M
Foreign Exchange Rate Adjustments	23K	1K	-47K	-	-
Net Change in Cash	38.92M	-36.92M	-9.65M	1.38M	21.13M
Supplemental Items
Cash Interest Paid	22.75M	22.27M	27.71M	25.74M	26.32M
Cash Income Tax Paid (Refund)	1.04M	-54K	12.13M	10.38M	9.28M
Levered Free Cash Flow	7.35M	12.76M	3.89M	23.94M	43.05M
Unlevered Free Cash Flow	19.77M	29.52M	20.09M	38.91M	62.82M
Change In Net Working Capital	14.1M	13.92M	29.86M	16.62M	-7.86M
Net Debt Issued / Repaid	26.48M	-34.92M	-21.22M	-25.82M	11.88M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	10.02	13.91	17.51	13.04	12.2
Return on Total Capital	12.68	18.05	23.25	16.43	15.05
Return On Equity %	-11.08	-12.31	-35.98	-35.8	-44.59
Return on Common Equity	-11.08	-12.31	-35.98	-35.8	-44.59
Margin Analysis
Gross Profit Margin %	38.76	40.06	38.84	37.29	38
SG&A Margin	20.78	20.18	19.08	19.85	21.51
EBITDA Margin %	17.69	19.88	19.76	17.44	16.48
EBITA Margin %	13.77	17.01	17.45	14.72	13.82
EBIT Margin %	12.3	15.85	16.63	13.85	13.07
Income From Continuing Operations Margin %	5.19	4.25	7.68	5.4	4.06
Net Income Margin %	5.17	4.25	7.68	5.4	4.06
Net Avail. For Common Margin %	5.19	4.25	7.68	5.4	4.06
Normalized Net Income Margin	2.58	4.81	6.6	4.85	3.64
Levered Free Cash Flow Margin	2.35	3.4	0.82	5.39	8.96
Unlevered Free Cash Flow Margin	6.33	7.87	4.22	8.75	13.07
Asset Turnover
Asset Turnover	1.3	1.4	1.68	1.51	1.49
Fixed Assets Turnover	7.71	8.66	9.11	7.39	7.3
Receivables Turnover (Average Receivables)	6.41	6.49	6.72	5.76	6.04
Inventory Turnover (Average Inventory)	8.5	5.43	4.6	4.01	4.16
Short Term Liquidity
Current Ratio	2.68	2.25	2.46	3.34	2.69
Quick Ratio	2.16	1.27	1.35	1.74	1.57
Operating Cash Flow to Current Liabilities	0.39	0.31	0.46	0.69	0.57
Days Sales Outstanding (Average Receivables)	57.11	56.21	54.29	63.35	60.62
Days Outstanding Inventory (Average Inventory)	43.06	67.21	79.29	90.99	87.97
Average Days Payable Outstanding	33.06	32.05	30.77	24.15	17.64
Cash Conversion Cycle (Average Days)	67.12	91.37	102.81	130.2	130.96
Long Term Solvency
Total Debt/Equity	-253.31	-265.34	-374.62	-568.06	-881.27
Total Debt / Total Capital	165.23	160.48	136.41	121.36	112.8
LT Debt/Equity	-244.3	-261.94	-367.68	-553.97	-855.82
Long-Term Debt / Total Capital	159.35	158.43	133.89	118.35	109.54
Total Liabilities / Total Assets	151.86	145.13	127.67	117.68	110.19
EBIT / Interest Expense	1.51	1.94	2.73	2.29	1.84
EBITDA / Interest Expense	2.31	2.55	3.37	3.03	2.45
(EBITDA - Capex) / Interest Expense	2.03	2.22	2.75	2.79	2.18
Total Debt / EBITDA	5.97	4.12	3.15	3.62	3.76
Net Debt / EBITDA	4.98	3.86	3.03	3.47	3.36
Total Debt / (EBITDA - Capex)	6.79	4.73	3.85	3.93	4.23
Net Debt / (EBITDA - Capex)	5.67	4.43	3.71	3.77	3.78
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	12.27	20.16	26.82	-6.56	8.11
Gross Profit, 1 Yr. Growth %	18.3	24.18	22.98	-10.29	10.16
EBITDA, 1 Yr. Growth %	53.55	35.03	26.09	-17.54	2.18
EBITA, 1 Yr. Growth %	84.13	48.46	30.05	-21.13	1.48
EBIT, 1 Yr. Growth %	105.18	54.89	33.07	-22.17	1.95
Earnings From Cont. Operations, 1 Yr. Growth %	-424.25	-1.54	129.22	-34.36	-18.61
Net Income, 1 Yr. Growth %	-415.2	-1.17	129.22	-34.36	-18.61
Normalized Net Income, 1 Yr. Growth %	-271.37	122.47	73.96	-30.73	-19.28
Diluted EPS Before Extra, 1 Yr. Growth %	-420	-5.56	128.68	-35.37	-18.41
Accounts Receivable, 1 Yr. Growth %	27.46	11.65	32.21	-8.51	15.96
Inventory, 1 Yr. Growth %	22.8	133.94	17.91	3.21	2.93
Net Property, Plant and Equip., 1 Yr. Growth %	-5.31	19.92	21.01	10.27	8.87
Total Assets, 1 Yr. Growth %	24.95	0.75	10.64	-1.01	19.06
Tangible Book Value, 1 Yr. Growth %	-8.98	-10.11	-22.53	-23.1	-17.62
Common Equity, 1 Yr. Growth %	-10.54	-12.33	-32.18	-36.72	-31.41
Cash From Operations, 1 Yr. Growth %	674.87	-8.11	54.91	8.63	27.24
Capital Expenditures, 1 Yr. Growth %	69.89	42.03	77.36	-64.15	44.53
Levered Free Cash Flow, 1 Yr. Growth %	-592.68	73.61	-68.9	515.57	79.8
Unlevered Free Cash Flow, 1 Yr. Growth %	63.3	49.33	-31.93	93.63	61.45
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	10.47	16.15	23.45	8.86	0.51
Gross Profit, 2 Yr. CAGR %	15.31	21.2	23.58	5.04	-0.59
EBITDA, 2 Yr. CAGR %	63.74	43.99	30.48	1.96	-8.21
EBITA, 2 Yr. CAGR %	115.64	65.33	38.95	1.28	-10.54
EBIT, 2 Yr. CAGR %	189.27	78.27	43.57	1.77	-10.92
Earnings From Cont. Operations, 2 Yr. CAGR %	4.59	78.68	50.23	22.66	-26.91
Net Income, 2 Yr. CAGR %	-34.38	76.5	50.52	22.66	-26.91
Normalized Net Income, 2 Yr. CAGR %	-17.95	95.95	96.72	9.26	-24.96
Diluted EPS Before Extra, 2 Yr. CAGR %	4.16	73.85	46.96	21.57	-27.38
Accounts Receivable, 2 Yr. CAGR %	11.65	19.29	21.49	9.98	3
Inventory, 2 Yr. CAGR %	58.85	69.5	66.09	10.32	3.07
Net Property, Plant and Equip., 2 Yr. CAGR %	0.37	6.56	20.46	15.52	9.57
Total Assets, 2 Yr. CAGR %	13.34	12.2	5.58	4.65	8.56
Tangible Book Value, 2 Yr. CAGR %	-4.58	-9.55	-16.55	-22.81	-20.41
Common Equity, 2 Yr. CAGR %	-3.93	-11.44	-22.89	-34.49	-34.12
Cash From Operations, 2 Yr. CAGR %	150.08	166.84	19.31	29.72	17.57
Capital Expenditures, 2 Yr. CAGR %	12.2	55.34	58.71	-20.26	-28.02
Levered Free Cash Flow, 2 Yr. CAGR %	-42.09	192.46	-27.25	38.36	232.69
Unlevered Free Cash Flow, 2 Yr. CAGR %	-24.42	56.16	0.82	14.8	76.81
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	11.74	13.61	19.6	12.5	8.61
Gross Profit, 3 Yr. CAGR %	15.32	18.19	21.79	11.06	6.72
EBITDA, 3 Yr. CAGR %	48.99	53.55	37.76	11.97	2.04
EBITA, 3 Yr. CAGR %	112.8	90.41	52.62	15.05	1.34
EBIT, 3 Yr. CAGR %	453.83	134.9	61.71	17.06	1.83
Earnings From Cont. Operations, 3 Yr. CAGR %	-11.15	2.51	94.15	14	6.99
Net Income, 3 Yr. CAGR %	-9.84	-24.78	92.57	14.14	6.99
Normalized Net Income, 3 Yr. CAGR %	-14.41	14.69	88.33	38.48	-1
Diluted EPS Before Extra, 3 Yr. CAGR %	-11.49	0.81	90.48	11.76	6.44
Accounts Receivable, 3 Yr. CAGR %	18.83	11.65	23.45	10.53	11.94
Inventory, 3 Yr. CAGR %	21.58	80.73	50.18	41.73	7.8
Net Property, Plant and Equip., 3 Yr. CAGR %	-3.93	6.51	11.17	16.97	13.26
Total Assets, 3 Yr. CAGR %	4.38	8.97	11.67	3.34	9.25
Tangible Book Value, 3 Yr. CAGR %	0.73	-6.46	-14.1	-18.79	-21.12
Common Equity, 3 Yr. CAGR %	4.9	-6.82	-18.97	-27.81	-33.48
Cash From Operations, 3 Yr. CAGR %	108.55	79.12	122.6	15.64	28.89
Capital Expenditures, 3 Yr. CAGR %	-0.79	21.37	62.35	-3.34	-2.78
Levered Free Cash Flow, 3 Yr. CAGR %	-31.86	-16.5	37.64	48.25	50.98
Unlevered Free Cash Flow, 3 Yr. CAGR %	17.65	-5.16	18.4	25.32	28.62
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-3.55	3.97	16.29	11.69	11.56
Gross Profit, 5 Yr. CAGR %	-3.62	5.94	18.56	12.74	12.29
EBITDA, 5 Yr. CAGR %	-8.13	8.93	41.29	30.36	17.11
EBITA, 5 Yr. CAGR %	-10.04	11.94	79.44	47.92	23.26
EBIT, 5 Yr. CAGR %	-10.91	13.42	222.74	68.1	27.4
Earnings From Cont. Operations, 5 Yr. CAGR %	-12.33	24.18	9.62	10.14	31.35
Net Income, 5 Yr. CAGR %	-12.17	24.18	10.67	-8.53	30.71
Normalized Net Income, 5 Yr. CAGR %	-23.9	20.76	19.57	12.48	30.09
Diluted EPS Before Extra, 5 Yr. CAGR %	57.2	23.16	8.41	8.65	29.52
Accounts Receivable, 5 Yr. CAGR %	0.77	14.12	19.89	10.98	14.82
Inventory, 5 Yr. CAGR %	-0.67	24.53	37.73	48.34	29.19
Net Property, Plant and Equip., 5 Yr. CAGR %	-5.44	-2.42	5.17	10.02	10.53
Total Assets, 5 Yr. CAGR %	-1.03	0.28	4.86	7.22	10.42
Tangible Book Value, 5 Yr. CAGR %	-0.22	-2.31	-6.57	-13.38	-16.68
Common Equity, 5 Yr. CAGR %	9.77	4.9	-7.25	-19.07	-25.41
Cash From Operations, 5 Yr. CAGR %	-12.9	-19.53	66.8	57.43	72.44
Capital Expenditures, 5 Yr. CAGR %	-17.6	-6.76	19.73	2.6	17.26
Levered Free Cash Flow, 5 Yr. CAGR %	-26.83	-23.79	-30.05	1.79	95.91
Unlevered Free Cash Flow, 5 Yr. CAGR %	-13.5	-13.29	10.61	2.37	39