CPI Card Group Inc. — Earnings Quality Grade F
PMTS · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 64 days, change +5 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 13.1%, CFFO 37.4%. Cash follows revenue
Expense Quality
Inventory -0.6% vs COGS 20.7%. Normal
CapEx growth 96.3% is >2x revenue growth 13.1%
SG&A/Gross Profit = 67.8%. Normal
Gross margin 31.3%, change -4.3pp. Stable
Cash Flow Quality
CFFO/NI = 3.98. Profits backed by cash
FCF $0.0B, FCF/NI = 2.76
Accruals ratio = -11.1%. Low accruals
Cash $0.0B covers only 7% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = -388% of equity. Manageable
Debt/EBITDA = 3.9x. Healthy
Other assets 10.7% vs revenue 13.1%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 17% YoY. Normal
Manipulation Score
M-Score = -2.68 (< -2.22). Unlikely manipulator
Beneish M-Score
Altman Z-Score — Not Applicable
CPI Card Group Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25