CPI Card Group Inc. Financial Ratios — PMTS 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 (%)	- -	- -	- -	-7.92	17.22	- -	- -	- -	- -	- -	- -	62.63	32.51	19.34
Return on Assets (%)	- -	9.99	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 (%)	- -	14.96	9.99	10.49	5.36	- -	- -	- -	- -	11.89	19.04	13.35	5.73	4.02
Return on Invested Capital (%)	- -	38.32	17.4	22.98	9.34	- -	- -	- -	- -	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	22.56	15.75	7.46	8.99	12.93	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	- -	15.01	63.45	57.69	33.49	19.54	56.22	3.33	-12.63
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 (%)	- -	- -	- -	-1,224.79	-6.76	- -	- -	- -	- -	- -	- -	62.63	32.51	19.34

Credit (USD)

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	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	3.66	6.21	18.2	13.32	8.68	6.18	4.13	3.1	3.51	3.65	3.87
Net Debt/EBITDA	- -	2.78	3.41	3.5	5.45	16.81	12.42	8.04	5.05	3.79	2.92	3.26	3.12	3.43
Total Debt/EBIT	- -	4.68	5.19	4.52	9.53	-1,344.55	66.77	16.69	8.89	5.18	3.68	4.42	4.61	5.45
Net Debt/EBIT	- -	4.31	4.81	4.32	8.36	-1,241.88	62.23	15.45	7.27	4.76	3.47	4.1	3.93	4.83
EBITDA to Interest Expense	- -	- -	6.48	- -	2.43	0.8	0.98	1.44	2.17	2.44	3.17	2.88	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	4.22	- -	1.71	0.45	0.74	1.28	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	- -	-4.37	2.2	13.1	9.82	-0.58	-17.37	-19.86	-9.84	-3.82	8.87	17.12	19.96	21.02
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	100.58	71.01	86.78	92.08	100.45	113.12	114.01	104.36	102.06	89.92	82.14	78.05	74.68
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 (%)	- -	106.53	73.61	89.38	92.08	100.45	113.31	115.67	108.31	103.44	91.72	84.41	80.57	77.92
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 (%)	- -	107.14	72.13	88.94	91.07	100.49	114.19	115.05	108.46	102.21	89.56	81.43	75.79	73.16
EBITDA	33	40	49	84	49	17	23	36	55	75	94	78	79	77
EBITDA-CapEx	22	31	32	66	34	9	17	32	48	75	94	78	79	77
Operating Income (Loss)	20	26	34	68	32	- -	5	19	38	59	79	62	63	55

Liquidity (USD)

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	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	- -	1.35	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	- -	-4.37	2.2	13.1	9.82	-0.58	-17.37	-19.86	-9.84	-3.82	8.87	17.12	19.96	21.02
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	100.58	71.01	86.78	92.08	100.45	113.12	114.01	104.36	102.06	89.92	82.14	78.05	74.68
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 (%)	- -	106.53	73.61	89.38	92.08	100.45	113.31	115.67	108.31	103.44	91.72	84.41	80.57	77.92
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	- -	2.95	3.34	5.49	3.92	2.12	2.23	2.54	2.75	3.61	4.5	4.07	3.73	3.18

Working Capital (USD)

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	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	- -	11.97	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	- -	30.48	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	- -	15.6	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	- -	23.4	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	- -	19.21	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	- -	19	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	- -	34.88	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	- -	7.08	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)

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	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	- -	- -	- -	478	224	41	26	10	49	208	407	219	333	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	- -	113	224	773	489	321	312	304	333	496	688	479	589	444
Total Capital	- -	115	243	346	328	303	270	270	315	298	318	323	359	384
Total Debt/Capital (%)	- -	106.53	73.61	89.38	92.08	100.45	113.31	115.67	108.31	103.44	91.72	84.41	80.57	77.92
Total Debt / EV	- -	1.09	0.8	0.4	0.62	0.95	0.98	1.03	1.02	0.62	0.42	0.57	0.49	0.67
EV/Sales	- -	0.57	0.86	2.07	1.58	1.44	1.22	1.09	1.07	1.32	1.45	1.08	1.23	0.82
EV/EBITDA	- -	2.78	4.6	9.16	10.06	19.25	13.55	8.44	6.03	6.65	7.31	6.18	7.44	5.74
EV/EBIT	- -	4.31	6.5	11.3	15.44	- -	67.91	16.23	8.67	8.33	8.69	7.78	9.38	8.09
EV/Cash Flow to Firm	- -	4.77	7.18	17.6	6.73	22.06	14.4	3.59	6.17	12.17	12.89	9.08	13.61	7.46
EV/Free Cash Flow to Firm	- -	3.43	4.65	12.35	5.63	14.72	11.42	3.42	5.45	12.17	12.89	9.08	13.61	7.46
Diluted Market Cap	- -	- -	- -	481	224	41	26	10	49	218	424	229	355	175
Diluted Enterprise Value	- -	113	224	776	489	321	312	304	333	505	704	489	611	452
EV per Share	- -	13.71	27.28	86.26	45.29	28.92	27.95	27.12	29.64	44.09	60.89	41.94	52.84	39.17
TTM Sales	184	196	261	374	309	224	256	278	312	375	476	445	481	544
TTM EBITDA	33	40	49	84	49	17	23	36	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	15	22	85	54	41	53	53	43	60
TTM Free Cash Flow to Firm	32	33	48	63	87	22	27	89	61	41	53	53	43	60

Multiples (USD)

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	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	- -	- -	- -	7.68	3.02	4.21	2.79	1.44	1.69	10.79	13.53	6.72	8.2	2.94
EV/EBIT	- -	4.31	6.5	11.3	15.44	- -	67.91	16.23	8.67	8.33	8.69	7.78	9.38	8.09
Enterprise Value	- -	113	224	773	489	321	312	304	333	496	688	479	589	444
Low Price	- -	- -	- -	42.1	16.25	2.9	1.93	0.72	0.36	4.25	10.18	12.65	15	11.64
EV/Sales	- -	0.57	0.86	2.07	1.58	1.44	1.22	1.09	1.07	1.32	1.45	1.08	1.23	0.82
EV/EBITDA	- -	2.78	4.6	9.16	10.06	19.25	13.55	8.44	6.03	6.65	7.31	6.18	7.44	5.74
Price/Earnings	- -	- -	- -	- -	41.5	- -	- -	- -	3.06	13.08	11.15	9.14	17.08	11.12
Price/Earnings Average	- -	- -	- -	-286.77	60.47	-6.36	-0.82	-5.53	1.36	13.24	5.62	12.76	13.76	16.22
Price/Earnings High	- -	- -	- -	-359.06	111	-12.88	-1.27	-8.8	3.13	27.44	11.59	21.89	20.1	25.95
Price/Earnings Low	- -	- -	- -	-223.95	32.5	-1.46	-0.57	-1.58	0.25	3	3.15	6.03	8.57	8.82
Price/Book Value	- -	- -	- -	13.01	8.62	-30.11	-0.71	-0.24	-1.88	-20.36	15.49	4.36	4.78	1.96
Price/Book Value Average	- -	- -	- -	13.16	12.57	-103.28	-0.86	-0.67	-0.84	-20.62	7.8	6.08	3.85	2.86
Price/Book Value High	- -	- -	- -	16.48	23.07	-209.22	-1.32	-1.06	-1.93	-42.73	16.1	10.44	5.62	4.58
Price/Book Value Low	- -	- -	- -	10.28	6.75	-23.79	-0.6	-0.19	-0.15	-4.67	4.37	2.87	2.4	1.56
Price/Tangible Book Value	- -	- -	- -	-2.24	-1.05	-0.2	-0.11	-0.04	-0.23	-1.1	-2.77	-1.94	-3.57	-1.96
Price/Tangible Book Value Average	- -	- -	- -	-2.26	-1.53	-0.68	-0.13	-0.12	-0.1	-1.11	-1.39	-2.7	-2.88	-2.86
Price/Tangible Book Value High	- -	- -	- -	-2.83	-2.81	-1.37	-0.2	-0.19	-0.24	-2.3	-2.88	-4.64	-4.21	-4.58
Price/Tangible Book Value Low	- -	- -	- -	-1.77	-0.82	-0.16	-0.09	-0.03	-0.02	-0.25	-0.78	-1.28	-1.79	-1.56
Price/Sales	- -	- -	- -	1.28	0.73	0.18	0.1	0.04	0.16	0.56	0.86	0.49	0.69	0.31
Price/Sales Average	- -	- -	- -	1.29	1.06	0.63	0.12	0.1	0.07	0.56	0.43	0.69	0.56	0.45
Price/Sales High	- -	- -	- -	1.62	1.94	1.27	0.19	0.16	0.16	1.17	0.89	1.18	0.82	0.71
Price/Sales Low	- -	- -	- -	1.01	0.57	0.14	0.08	0.03	0.01	0.13	0.24	0.33	0.35	0.24
Price/Cash Flow	- -	- -	- -	10.88	3.74	16.81	7.25	3.55	2.24	10.31	13	6.44	7.7	2.79
Price/Cash Flow Average	- -	- -	- -	11	5.44	57.66	8.77	9.97	1	10.44	6.55	8.99	6.2	4.07
Price/Cash Flow High	- -	- -	- -	13.77	10	116.81	13.49	15.84	2.29	21.62	13.51	15.42	9.06	6.52
Price/Cash Flow Low	- -	- -	- -	8.59	2.93	13.28	6.11	2.84	0.18	2.36	3.67	4.25	3.86	2.22
Price/Free Cash Flow Average	- -	- -	- -	7.77	4.4	14.44	3.37	4.04	0.76	10.92	6.82	9.38	6.61	4.29
Price/Free Cash Flow High	- -	- -	- -	9.73	8.07	29.26	5.19	6.42	1.73	22.63	14.06	16.09	9.65	6.86
Price/Free Cash Flow Low	- -	- -	- -	6.07	2.36	3.33	2.35	1.15	0.14	2.47	3.82	4.43	4.11	2.33
EV/Sales Average	- -	0.57	0.86	2.08	1.92	1.88	1.24	1.16	0.98	1.33	1.02	1.27	1.09	0.96
EV/Sales High	- -	0.57	0.86	2.41	2.8	2.52	1.3	1.22	1.07	1.93	1.48	1.77	1.35	1.22
EV/Sales Low	- -	0.57	0.86	1.8	1.43	1.4	1.2	1.08	0.92	0.89	0.83	0.91	0.88	0.75
EV/EBITDA Average	- -	2.78	4.6	9.23	12.17	25.19	13.78	8.95	5.53	6.68	5.16	7.3	6.62	6.73
EV/EBITDA High	- -	2.78	4.6	10.67	17.78	33.79	14.51	9.42	6.05	9.72	7.48	10.13	8.19	8.61
EV/EBITDA Low	- -	2.78	4.6	7.97	9.06	18.74	13.38	8.39	5.21	4.49	4.2	5.22	5.34	5.29
EV/EBIT Average	- -	4.31	6.5	11.38	18.67	-1,861.13	69.07	17.2	7.96	8.38	6.13	9.19	8.35	9.48
EV/EBIT High	- -	4.31	6.5	13.16	27.28	-2,496.28	72.7	18.1	8.7	12.18	8.89	12.74	10.33	12.13
EV/EBIT Low	- -	4.31	6.5	9.84	13.9	-1,384.53	67.04	16.12	7.49	5.63	4.99	6.57	6.74	7.46
Last Price	- -	- -	- -	53.3	20.75	3.67	2.29	0.9	4.39	18.55	36.08	19.19	29.89	14.68
High Price	- -	- -	- -	67.5	55.5	25.5	4.26	4.02	4.49	38.92	37.5	45.95	35.19	34.25
Enterprise Value Average	- -	113	224	779	591	421	317	322	306	498	485	566	525	520
Enterprise Value High	- -	113	224	900	864	564	334	339	334	724	704	785	648	665
Enterprise Value Low	- -	113	224	673	440	313	308	302	288	335	395	404	423	409

Shares Outstanding	- -	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	9.42	4.5	1.5	2.06	3.21	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	- -	1.18	1.58	1.52	3.42	2.09	1.82	1.67	5.13	1.84	0.98	1.09	3.01	1.92
Book Value per Share	- -	-0.91	0.71	4.1	2.41	-0.12	-3.23	-3.78	-2.33	-0.91	2.33	4.4	6.26	7.48
Tangible Book Value per Share	- -	-12.66	-25.86	-23.84	-19.78	-18.6	-20.82	-20.74	-18.83	-16.91	-13.04	-9.91	-8.36	-7.47

CPI Card Group Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)