씨피카드그룹(PMTS) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

PMTS

CPI Card Group Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$20.46

+0.94 ▲ +4.82%

씨피카드그룹(PMTS) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$235M

스몰캡

P/E

19.8

적정 수준

배당수익률

없음

52주 위치

90%

저점 +89% · 고점 -5%

애널리스트

적극 매수

C+

Fundamental health

vs. Credit Services

수익성

Top 50%

성장

Top 44%

밸류에이션

Top 62%

재무 안정

Top 45%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

🔥 Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 18원. Over the past 5년, it usually traded around 11원. Earnings have also shrunk, which lifts the multiple — one of the priciest stretches of the past 5년.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	19.81	EPS (ttm) ⓘ	1.03	Insider Own ⓘ	47.46%	Shs Outstand ⓘ	11.5M	Perf Week ⓘ	6.01%
Market Cap ⓘ	0.23B	Forward P/E ⓘ	6.03	EPS next Y ⓘ	24.36%	Insider Trans ⓘ	0.13%	Shs Float ⓘ	6.0M	Perf Month ⓘ	5.3%
Enterprise Value ⓘ	0.51B	PEG ⓘ	-	EPS next Q ⓘ	0.46	Inst Own ⓘ	25.82%	Short Float ⓘ	5.05%	Perf Quarter ⓘ	12.6%
Income ⓘ	0.01B	P/S ⓘ	0.41	EPS this Y ⓘ	27.23%	Inst Trans ⓘ	-1.23%	Short Ratio ⓘ	6.49	Perf Half Y ⓘ	48.58%
Sales ⓘ	0.57B	P/B ⓘ	-	EPS next 5Y ⓘ	-	ROA ⓘ	3.31%	Short Interest ⓘ	0.30M	Perf YTD ⓘ	39.37%
Book/sh ⓘ	-1.22	P/C ⓘ	12.17	EPS past 3/5Y ⓘ	-26.12% -2.67%	ROE ⓘ	-	52W High ⓘ	-5.16% ($21.57)	Perf Year ⓘ	-2.57%
Cash/sh ⓘ	1.68	P/FCF ⓘ	4.59	Sales past 3/5Y ⓘ	4.54% 11.73%	ROIC ⓘ	4.65%	52W Low ⓘ	89.27% ($10.81)	Perf 3Y ⓘ	-12.71%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	6.62	EPS Y/Y TTM ⓘ	-36.51%	Gross Margin ⓘ	30.75%	Volatility(W/M) ⓘ	4.52% 5.39%	Perf 5Y ⓘ	30.32%
Dividend TTM ⓘ	-	EV/Sales ⓘ	0.89	Sales Y/Y TTM ⓘ	15.56%	Oper. Margin ⓘ	9.11%	ATR (14) ⓘ	1.02	Perf 10Y ⓘ	-15.63%
Dividend Ex-Date ⓘ	2017/6/14	Quick Ratio ⓘ	1.66	EPS Q/Q ⓘ	-56.39%	Profit Margin ⓘ	2.15%	RSI (14) ⓘ	60.75	Recom ⓘ	1
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	2.54	Sales Q/Q ⓘ	19.83%	SMA20 ⓘ	4.06% ($19.66)	Beta ⓘ	1.06	Target Price ⓘ	$27.5
Payout ⓘ	-	Debt/Eq ⓘ	-	Earnings ⓘ	2026/8/6	SMA50 ⓘ	10.88% ($18.45)	Rel Volume ⓘ	0.6	Prev Close ⓘ	$19.52
Employees ⓘ	1700	LT Debt/Eq ⓘ	-	EPS/Sales Surpr. ⓘ	-3.2% 9.22%	SMA200 ⓘ	30.11% ($15.73)	Avg Volume(3M) ⓘ	0.05M	Price ⓘ	$20.46
IPO ⓘ	2015/10/9	Option/Short ⓘ	No/Yes			Trades ⓘ	589	Volume ⓘ	28,270	Change ⓘ	4.82%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $147M (YoY +20%) · 순이익 $2M (YoY -57%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 CPI Card Group Inc (PMTS) Investment Analysis

What kind of company is CPI Card Group Inc?

씨피카드그룹(PMTS) 가치주

Financial · Credit Services

Small-Cap — Low Volume, High Volatility

💳 CPI Card Group is a company that provides payment card manufacturing and issuance solutions for U.S. financial institutions. It covers the entire card lifecycle — from the secure production of credit, debit, and prepaid cards to in-branch instant issuance platforms — and leverages its strengths in U.S.-specific security regulatory compliance and logistics capabilities.

Learn more about CPI Card Group Inc →

Market Cap

$0.2B

Approx. KRW 0.3 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank3952

Employees1,700people

IPO2015/10/09

Current Price$20.46 ≈ 28,030원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-9

8월 6일 (목) · 장 시작 전

예상 매출 - · EPS $0.46

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 5월 5일 (화) · 장 시작 전 EPS -3.2% 매출 +9.2%

🔔 Earnings release 2026년 3월 5일 (목) · 장 시작 전 EPS +32.1% 매출 +5.4%

🎯 Ex-div 2017년 6월 14일 (수)

Is it profitable?

Financial health solid

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

9.1%

✓ 양호

My positionMid-range

Low range Average High range

Credit Services 초소형주 Median 9.1% · Around average

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

2.1%

✓ 평균

My positionMid-range

Low range Average High range

Credit Services 초소형주 Median 4.6% · Bottom 48%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

30.8%

✓ 매우 부진

My positionBottom 5%

Low range Average High range

Credit Services Median 73.7% · Bottom tier

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROA

Annual earnings relative to total company assets

3.3%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 초소형주 Median 1.0% · Top 21%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

4.7%

✓ 양호

My positionMid-range

Low range Average High range

Financial 초소형주 Median 2.2% · Top 29%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Current Ratio

Liquid assets available to cover liabilities due within a year

2.54

✓ 양호

My positionMid-range

Low range Average High range

Credit Services Median 2.08

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

1.66

✓ 양호

My positionMid-range

Low range Average High range

Credit Services Median 1.96

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$27.50

현재가 대비 +34.4%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

6.03배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+24.4%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability

Beat estimates in 2 of the last 2 quarters

예상 상회

예상 부합

예상 하회

100%

상회 비율

+59.5%

평균 서프라이즈

2026.05.05

상회

실적 $0.41 · 예상 $0.40 +3.2%

2026.03.05

상회

실적 $1.48 · 예상 $0.69 +115.9%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+27.2%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 7.1% · Top 26%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+24.4%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 16.0% · Top 43%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

-26.1%

부진

My positionBottom 25%

Low range Average High range

가치주 초소형주 Median 2.4% · Bottom 20%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

-2.7%

평균

My positionMid-range

Low range Average High range

가치주 초소형주 Median 9.4% · Bottom 34%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+11.7%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 7.3% · Top 25%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+19.8%

우수

My positionTop 25%

Low range Average High range

가치주 초소형주 Median 5.3% · Top 23%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -38%p below the market

PMTS +30.3% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-38.0%p

Significantly behind the market

1-year basis

vs S&P 500

-18.6%p

behind the market

Rank among peers

5-year return Top among peers Based on 13 peers

1-year return Top 18% Based on 15 peers

Current position within 52-week range

Low (-89.3%p) High (-5.2%p)

Current price is 89.3% above the 52-week low and 5.2% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-25.1%

Annualized volatility

72.8%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $20.46 above the midline ($19.66). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

✨

Current diagnosis · 2026-07-27

Golden cross — bullish reversal signal

MACD(0.329) crossed above Signal(0.325). Trend reversal possible; read as a buy entry point.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 60.7 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 96.3.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Sales·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Cheap

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

19.81x

✓ Fair

My positionMid-range

Low range Average High range

Credit Services median 11.51x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

6.03x

✓ Cheap

My positionMid-range

Low range Average High range

Credit Services median 7.95x · Around the industry average

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

0.41x

✓ Very cheap

My positionTop 25%

Low range Average High range

Credit Services median 1.29x · Top 18% — relatively cheap within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

EV/EBITDA Enterprise Value Multiple

Total enterprise value ÷ operating cash earnings — a benchmark for M&A

6.62x

✓ Cheap

My positionMid-range

Low range Average High range

Credit Services median 9.53x · Around the industry average

💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

4.59x

✓ Cheap

My positionMid-range

Low range Average High range

Credit Services median 5.05x · Around the industry average

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$27.50 vs. current price +34.4%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Credit Services

Who owns it?

Ownership flow shows some pressure

Insider modest net buying +0.1% · Institutional net selling -1.2% · Short interest moderate 5.0%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

+0.1%

Insiders net buying

🏦 Institutions (funds & investors)

-1.2%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 25.8%

Moderate institutional participation

Financial 초소형주 Median 30.5%

🧑‍💼 Insiders 47.5%

Founder/management large holders (strong skin-in-the-game)

Financial 초소형주 Median 23.8%

👤 Retail investors (estimated) 26.7%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

5.0%

Moderate

Financial 초소형주 Median 0.2%

Past 90 days Little change

Short interest days to cover

6.5 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 11.5M주

Float (tradable shares) 6.0M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding PMTS

ETFs with the highest weightings · 10 total shown

DEEP

Acquirers Small and Micro Deep Value ETF

0.72%

$27M

FDM

First Trust Dow Jones Select Microcap Index Fund

0.13%

$260M

EBIT

Harbor AlphaEdge Small Cap Earners ETF

0.04%

$12M

EES

WisdomTree U.S. SmallCap Fund

0.04%

$717M

IWC

iShares Micro-Cap ETF

0.02%

$1.4B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
PMTS This Stock	$234.8M	19.8 ▼	-	-	-	+4.8%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 씨피카드그룹(PMTS)?

씨피카드그룹(PMTS) belongs to the Financial sector and operates in the Credit Services industry.

What is the market cap of PMTS?

The market cap of PMTS is approximately $235M, ranking 3,952 within its sector.

What is the P/E ratio of PMTS?

PMTS has a P/E ratio of approximately 19.8x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for PMTS?

PMTS has recorded a 52-week high of $21.57 and a low of $10.81.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.