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CPI Card Group PMTS Q3 2025 earnings

Reported November 4, 2025 · Before market open

Revenue$138.0MMiss by $7.3M
EPS$0.47Miss by $0.16
Revenue estimate$145.2M
EPS estimate$0.63

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$143.9M
EPS estimate$0.45

Financials

Q3 2025

Income statement

See full
Revenue$138.0M+10.6%
Gross profit$41.0M-8.3%
Operating income$13.0M-26.9%
Net income$2.3M+78.5%
EPS (diluted)$0.19+72.7%

Balance sheet

See full
Cash & equivalents$16.0M+8.9%
Total debt$308.4M+10.1%
Total equity-$25.7M+40.0%
Total assets$407.1M+18.9%

Cash flow

See full
Operating cash flow$10.0M-20.5%
CapEx$4.7M+221%
Free cash flow$5.3M-52.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$171.65M-44.3%
Enterprise value$464.13M-19.1%
P/E11.9×-8.0×
P/S0.3×-0.3×

Profitability

See full
Gross margin31.9%-3.9pp
Operating margin10.2%-2.3pp
Net margin2.8%-0.6pp
FCF margin5.4%—

Returns & leverage

See full
Current ratio2.6×-0.1×

Versus estimates

Revenue

Q1 2026$147.1MBeat by $12.4MQ4 2025$153.1MBeat by $7.8M
Q3 2025$138.0MMiss by $7.3M
Q2 2025$129.8MMiss by $12.1MQ1 2025$122.8MMiss by $7.5MQ4 2024$125.1MBeat by $3.3M

Diluted EPS

Q1 2026$0.38Beat by $0.14Q4 2025$0.77Beat by $0.27
Q3 2025$0.47Miss by $0.16
Q2 2025$0.04Miss by $0.52Q1 2025$0.40Miss by $0.16Q4 2024$0.57Beat by $0.05

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Questions, answered.

When did CPI Card Group report Q3 2025 earnings?
CPI Card Group (PMTS) reported Q3 2025 earnings on November 4, 2025 before market open.
What were CPI Card Group's Q3 2025 revenue and EPS?
CPI Card Group reported revenue of $138.0M and eps of $0.47 for Q3 2025.
Did CPI Card Group beat estimates in Q3 2025?
Revenue missed the consensus estimate of $145.2M by $7.3M. EPS missed the consensus estimate of $0.63 by $0.16.
How did CPI Card Group's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.6% from $124.8M a year earlier and eps declined 28.8% from $0.66.
Where can I find CPI Card Group's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-105898) and the 10-Q periodic report (0001104659-25-105905) directly on SEC EDGAR. The filing index links above go to sec.gov.