CPI Card Group Inc. Financial Ratios — CPB1 Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	- -	6.08	11.3	1.98	-8.83	-16.98	-2.44	6.73	5.97	12.94	8.13	6.07	3.97
Return on Capital (%)	- -	- -	14.73	16.26	8.42	- -	- -	- -	- -	18.69	29.59	19.89	8.23	5.58
Return on Invested Capital (%)	- -	- -	17.4	22.75	8.55	- -	- -	- -	- -	20.02	29.38	19.87	20.61	14.16
Gross Margin (%)	28.78	30.3	31.31	36.31	33.01	30.48	30.72	32.75	35.33	37.7	36.95	34.98	35.63	31.29
EBITDA Margin (%)	17.72	20.6	18.65	22.38	14.87	-1.06	8.99	15.09	17.69	19.88	19.76	17.44	16.48	14.22
Operating Margin (%)	10.83	13.32	13.21	18.28	10.26	-0.1	1.79	6.73	12.3	15.85	16.63	13.85	13.07	10.09
Incremental Operating Margin (%)	- -	49.63	12.88	30	56.14	37.56	15.01	63.45	57.69	33.49	19.54	56.22	3.33	- -
Pretax Margin (%)	7.96	9.26	10.06	13.13	2.77	-17.71	-7.48	-0.55	4.13	6.35	10.33	7.75	5.21	4
Profit Margin (%)	2.68	4.37	5.1	8.25	1.75	-9.84	-14.64	-1.84	5.17	4.25	7.68	5.4	4.06	2.75
Net Income to Common Margin (%)	-17.1	-13.59	-11.94	-0.45	1.75	-9.84	-14.64	-1.84	5.17	4.25	7.68	5.4	4.06	2.75
Effective Tax Rate (%)	40.38	38.42	39.18	36.34	36.79	- -	- -	- -	- -	33.08	25.65	30.4	22	30.62
Dvd Payout Ratio (%)	28.93	146.53	156.03	-15,366.51	139.27	-32.66	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	122	179	309	302	304	306	312	341	308	291	272	289	299
ST Debt	- -	7	6	9	- -	- -	1	4	12	4	6	7	9	12
LT Debt	- -	115	172	300	302	304	306	308	329	304	286	265	280	287
Total Debt/EBITDA	- -	3.02	3.67	3.69	6.58	-127.78	13.32	7.44	6.18	4.13	3.1	3.51	3.65	3.87
Net Debt/EBITDA	- -	2.78	3.41	3.53	5.77	-118.03	12.42	6.89	5.05	3.79	2.92	3.26	3.12	3.43
Total Debt/EBIT	- -	4.68	5.19	4.56	10.42	-15.74	66.77	12.64	8.89	5.18	3.68	4.42	4.61	5.45
Net Debt/EBIT	- -	4.31	4.81	4.36	9.14	-14.54	62.23	11.7	7.27	4.76	3.47	4.1	3.93	4.83
EBITDA to Interest Expense	- -	- -	6.48	- -	2.29	-0.11	0.98	1.69	2.17	2.44	3.17	2.88	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	4.22	- -	1.58	-0.46	0.74	1.52	1.89	2.44	3.17	2.88	- -	- -
EBIT to Interest Expense	- -	- -	4.59	- -	1.58	-0.01	0.2	0.75	1.51	1.94	2.67	2.29	- -	- -
Interest Expense	- -	- -	8	- -	20	21	23	25	25	31	30	27	- -	- -
Common Equity/Total Assets	- -	-21.47	-30.05	-30.89	-36.03	-51.1	-72.19	-72.44	-51.86	-45.13	-27.67	-17.68	-10.19	-4.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	135.19	109.78	134.9	146.1	164.88	195.08	194.83	161.85	162.61	136.52	120.25	110.46	101.73
Long-Term Debt/Total Assets (%)	- -	67.18	64.84	107.01	114.18	129.86	147.59	144.49	123.49	113.23	96.24	90.23	80.19	71.1
Total Debt/Equity (%)	- -	-331.49	-824.24	-356.77	-316.9	-254.13	-204.8	-202.39	-247.12	-254.29	-354.81	-524.33	-812.64	-1,725.75
Total Debt/Capital (%)	- -	143.2	113.81	138.95	146.1	164.88	195.42	197.67	167.97	164.81	139.24	123.57	114.03	106.15
Total Debt/Total Assets (%)	- -	71.16	67.22	110.22	114.18	129.86	147.84	146.6	128.17	114.77	98.16	92.72	82.79	74.19
Net Debt to Equity	- -	-305.19	-764.58	-341.06	-278.11	-234.72	-190.89	-187.36	-202.2	-233.8	-334.42	-486.34	-693.02	-1,528.69
Net Debt/Capital (%)	- -	148.73	115.05	141.48	156.14	174.23	209.22	207.54	191.86	170.41	138.56	121.45	112.05	101.87
EBITDA	33	40	49	84	46	-2	23	42	55	75	94	78	79	77
EBITDA-CapEx	22	31	32	65	32	-10	17	38	48	75	94	78	79	77
Operating Income (Loss)	20	26	34	68	32	- -	5	19	38	59	79	62	63	55

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	0.28	0.35	0.32	1.05	0.66	0.49	0.45	1.01	0.32	0.16	0.25	0.44	0.26
Current Ratio	- -	1.89	2.42	2.4	2.62	2.91	2.05	2.21	2.68	2.25	2.46	3.34	2.69	2.44
Quick Ratio	- -	1.26	1.54	1.69	1.94	1.82	1.69	1.58	2.16	1.27	1.35	1.74	1.57	1.39
CFO/Avg Current Liab	- -	- -	0.74	1.12	1.55	0.07	0.09	0.07	0.45	0.33	0.47	0.58	0.69	0.75
Common Equity/Total Assets	- -	-21.47	-30.05	-30.89	-36.03	-51.1	-72.19	-72.44	-51.86	-45.13	-27.67	-17.68	-10.19	-4.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	135.19	109.78	134.9	146.1	164.88	195.08	194.83	161.85	162.61	136.52	120.25	110.46	101.73
Long-Term Debt/Total Assets (%)	- -	67.18	64.84	107.01	114.18	129.86	147.59	144.49	123.49	113.23	96.24	90.23	80.19	71.1
Total Debt/Equity (%)	- -	-331.49	-824.24	-356.77	-316.9	-254.13	-204.8	-202.39	-247.12	-254.29	-354.81	-524.33	-812.64	-1,725.75
Total Debt/Capital (%)	- -	143.2	113.81	138.95	146.1	164.88	195.42	197.67	167.97	164.81	139.24	123.57	114.03	106.15
Total Debt/Total Assets (%)	- -	71.16	67.22	110.22	114.18	129.86	147.84	146.6	128.17	114.77	98.16	92.72	82.79	74.19
CFO/Total Liabilities	- -	11.32	9.25	11.97	16.67	0.69	0.99	0.77	5.45	5.2	8.27	9.85	11.24	14.15
CFO/CapEx	1.93	2.56	1.57	2.35	4.19	0.33	0.62	0.68	3.1	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.08	3.73	3.18

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	6.84	7.79	7.35	6.98	7.41	7.37	7.49	7.95	8	6.44	6.51	6.23
Days Sales Outstanding	- -	- -	53.38	46.87	49.68	52.26	49.23	49.51	48.7	45.9	45.62	56.71	56.09	58.55
Inventory Turnover	- -	- -	9.16	10.09	9.19	9.38	15	12.46	8.97	5.64	4.75	4.16	4.32	5.15
Days Inventory Outstanding	- -	- -	39.86	36.18	39.72	38.92	24.33	29.3	40.67	64.67	76.9	87.75	84.5	70.81
Accounts Payable Turnover	- -	- -	11.33	14.2	13.91	12.38	11.65	11.96	11.68	11.78	12.22	15.67	21.53	16.98
Accounts Payable Turnover Days	- -	- -	32.22	25.7	26.24	29.49	31.34	30.51	31.26	30.99	29.88	23.29	16.95	21.49
Cash Conversion Cycle	- -	- -	61.02	57.36	63.16	61.69	42.22	48.29	58.11	79.57	92.65	121.17	123.64	107.87
Inventory to Cash Days	- -	- -	13.52	10.69	9.96	13.34	24.9	20.21	8.03	-18.76	-31.28	-31.05	-28.41	-12.27
Inventories	- -	18	22	26	19	14	10	20	25	58	68	71	73	72
Raw Materials	- -	9	10	11	8	7	8	16	23	54	61	64	64	62
Work In Process	- -	7	8	11	6	5	- -	- -	- -	- -	- -	- -	1	4
Finished Goods	- -	2	3	4	5	3	3	5	5	7	10	7	8	7
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	226	332	166
- Cash & Cash Equivalents	- -	10	13	14	37	23	20	19	58	21	11	12	34	22
+ Preferred Equity and Hybrid Capital	- -	- -	58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	122	179	309	302	304	306	312	341	308	291	272	289	299
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	486	588	443
Total Capital	- -	85	157	222	207	184	157	158	203	187	209	220	254	282
Total Debt/Capital (%)	- -	143.2	113.81	138.95	146.1	164.88	195.42	197.67	167.97	164.81	139.24	123.57	114.03	106.15
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.56	0.49	0.68
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.09	1.22	0.82
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.27	7.43	5.73
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.89	9.37	8.08
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.21	13.58	7.44
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.21	13.58	7.44
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	235	351	172
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	495	607	450
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	42.47	52.33	38.67
TTM Sales	184	196	261	374	309	224	256	278	312	375	476	445	481	544
TTM EBITDA	33	40	49	84	46	-2	23	42	55	75	94	78	79	77
TTM Operating Income	20	26	34	68	32	- -	5	19	38	59	79	62	63	55
TTM Cash Flow to Firm	21	24	31	44	73	- -	- -	- -	- -	41	53	53	43	60
TTM Free Cash Flow to Firm	10	14	14	25	58	- -	- -	- -	- -	41	53	53	43	60

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.92	8.11	2.9
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.89	9.37	8.08
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	486	588	443
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.83	14.88	11.52
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.09	1.22	0.82
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.27	7.43	5.73
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.41	16.89	10.95
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.05	13.73	16.21
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.49	19.58	26.3
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.11	8.5	8.73
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4.35	-9.33	-9.55
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-3.72	-7.58	-14.14
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4.39	-10.81	-22.94
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.83	-4.69	-7.62
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	-3.56	-1.96
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1.71	-2.9	-2.9
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.01	-4.13	-4.7
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1.3	-1.79	-1.56
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.51	0.69	0.3
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.43	0.56	0.45
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.51	0.8	0.72
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.33	0.35	0.24
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.63	7.61	2.75
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.67	6.19	4.07
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.69	8.82	6.61
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.31	3.83	2.19
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.92	6.59	4.29
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.97	9.4	6.95
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.49	4.08	2.31
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.02	1.09	0.96
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.1	1.33	1.24
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.91	0.88	0.75
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.85	6.64	6.76
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.29	8.09	8.73
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.25	5.34	5.3
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.36	8.38	9.53
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.92	10.21	12.31
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.6	6.74	7.47
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.76	29.56	14.45
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.92	34.27	34.71
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	453	526	523
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	488	641	675
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	407	423	409

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	8	11	11	11	11	11	11	11	11	11	11	11	11	11
Diluted Weighted Avg Shares	8	8	8	9	11	11	11	11	11	12	12	12	12	12
Basic Weighted Avg Shares	8	8	8	9	11	11	11	11	11	11	11	11	11	11
Revenue per Share	22.37	23.91	31.77	41.74	28.59	20.13	22.94	24.84	27.8	33.38	42.13	38.91	43.09	47.98
EBITDA per Share	3.96	4.92	5.92	9.34	4.25	-0.21	2.06	3.75	4.92	6.63	8.33	6.78	7.1	6.82
Operating Income per Share	2.42	3.18	4.2	7.63	2.93	-0.02	0.41	1.67	3.42	5.29	7.01	5.39	5.63	4.84
Basic EPS, GAAP	-3.83	-3.25	-3.8	-0.19	0.5	-1.98	-3.36	-0.46	1.44	1.42	3.24	2.1	1.75	1.32
Basic EPS from Cont Ops	1.06	1.36	1.94	3.49	0.5	-2.08	-1.33	-0.45	1.44	1.42	3.24	2.1	1.75	1.32
Diluted EPS, GAAP	-3.83	-3.25	-3.8	-0.19	0.5	-1.98	-3.36	-0.46	1.44	1.36	3.11	2.01	1.64	1.25
Diluted EPS from Cont Ops	1.06	1.36	1.94	3.46	0.5	-2.08	-1.33	-0.45	1.44	1.36	3.11	2.01	1.64	1.25
Dividend per Share	3.45	- -	- -	25.7	0.7	0.68	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	2.6	2.88	3.24	4.9	5.55	0.22	0.32	0.25	1.96	1.8	2.78	2.98	3.88	5.25
Free Cash Flow per Basic Share	1.25	1.75	1.18	2.82	4.23	-0.43	-0.19	-0.12	1.33	1.8	2.78	2.98	3.88	5.25
Cash & Equivalents per Share	- -	0.86	1.15	1.2	3.34	2.08	1.82	1.66	5.13	1.84	0.97	1.08	2.98	1.89
Book Value per Share	- -	-3.27	-7.08	-7.66	-8.6	-10.74	-13.4	-13.75	-12.29	-10.75	-7.21	-4.54	-3.17	-1.51
Tangible Book Value per Share	- -	-9.21	-18.81	-18.9	-19.29	-18.57	-20.8	-20.69	-18.82	-16.88	-12.92	-9.89	-8.3	-7.39