CPI Card Group Inc (PMTS)vsRoyal Bank of Canada (RY)
PMTS
CPI Card Group Inc
$22.50
-16.48%
FINANCIAL SERVICES · Cap: $310.64M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 11334% more annual revenue ($67.15B vs $587.31M). RY leads profitability with a 33.9% profit margin vs 2.3%. PMTS appears more attractively valued with a PEG of 0.57. RY earns a higher WallStSmart Score of 63/100 (C+).
PMTS
Buy57
out of 100
Grade: C
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 325.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
15.0% revenue growth
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.3% margin — thin
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PMTS
The strongest argument for PMTS centers on EPS Growth, Debt/Equity, PEG Ratio. Revenue growth of 15.0% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.3% margins leave little buffer for downturns.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
PMTS profiles as a value stock while RY is a mature play — different risk/reward profiles.
PMTS carries more volatility with a beta of 0.97 — expect wider price swings.
PMTS is growing revenue faster at 15.0% — sustainability is the question.
PMTS generates stronger free cash flow (26M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 57/100), backed by strong 33.9% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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