CPI Card Group Inc (PMTS)vsVisa Inc. Class A (V)
PMTS
CPI Card Group Inc
$22.50
-16.48%
FINANCIAL SERVICES · Cap: $310.64M
V
Visa Inc. Class A
$370.45
+0.88%
FINANCIAL SERVICES · Cap: $691.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 7475% more annual revenue ($44.49B vs $587.31M). V leads profitability with a 50.8% profit margin vs 2.3%. PMTS appears more attractively valued with a PEG of 0.57. V earns a higher WallStSmart Score of 68/100 (B-).
PMTS
Buy57
out of 100
Grade: C
V
Strong Buy68
out of 100
Grade: B-
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
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
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
Premium valuation, high expectations priced in
Trading at 19.6x book value
Grey zone — moderate risk
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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
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 : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
PMTS profiles as a value stock while V 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.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 57/100), backed by strong 50.8% margins and 14.4% revenue growth. Both earn "Strong 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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