Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/880dd986-74f3-4f7e-bba6-1b0631238f12/

PMTS

CPI Card Group Inc
Chart
19.52 USD
Latest Week 2026-07-24
Financial ServicesCredit ServicesMICRO
Snapshot 2026-07-26 · 0.6w · Fresh
0.69
OS Score
91.0%
Value
29.0%
Quality
22.0%
Momentum
4/9
F-Score
0.514
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
2 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
15.2%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
Yes
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
91.0%ile
P/E
18.3×
P/S
0.4×
E/P
0.1046
FCF Yield
0.170
EBITDA/EV
0.152
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
10.00000000
/100 — 1=cheapest
VC2 (Trending Value)
16.00000000
/100
VC3 (Buyback)
7.00000000
/100
FCF yield of 17.0% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
29.0%ile
ROE
-0.873
ROA
0.032
Net Margin
0.022
Op Margin
0.091
GPA
0.449
D/E
-28.58
Current
2.54
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.156
Earn Growth
-0.351
Stability
0.685
lower=better
Accruals
-0.143
lower=better
5yr Consist
No
Conservative balance sheet with D/E of -28.58.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
22.0%ile
6M Return
41.8%
12M Return
-7.0%
12-1 Mom
-3.0%
Risk-Adj
-0.04
Vol 252d
68.6%
Vol 60d
140.5%
↑ Expanding
Max DD 12M
-39.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (141%) is expanding vs long-term (69%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.69
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
80.8%
Sector Quality %ile
8.8%
P/E z-score
0.04
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
SBFG SB Financial Group Inc 98.0% 96.0% 93.0% 76.0%
HCI HCI Group Inc 98.0% 94.0% 93.0% 76.0%
NTRS Northern Trust Corporation 98.0% 94.0% 89.0% 81.0%
Factor Interactions
Cheap for a Reason?
Looks cheap (91th value) but weak quality (29th). Classic value trap risk.
Growth at Reasonable Price
Revenue growing 16% with P/E of 18×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (141%) significantly exceeds 252-day (69%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
71.1% avg (6 factors)
Quality
C
56.4% avg (8 factors)
Momentum
D
42.1% avg (4 factors)
Risk
F
2.3% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.690—0—
Value %ile0.910—8—
Quality %ile0.290—3—
Momentum %ile0.220—8—
F-Score4.000—8—
Confidence0.871—8—
Volatility0.686—8—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
18.31
Earnings Yield (E/P)
0.1046
Price / Sales
0.39
Price / Cash Flow
3.32
FCF Yield
17.0%
EBITDA / EV
15.2%
Sales Yield (1/P·S)
1.1484
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
-87.3%
Return on Assets
3.2%
Net Margin
2.2%
Operating Margin
9.1%
Gross Profit / Assets
Novy-Marx GPA
44.9%
Debt / Equity
-28.58
Current Ratio
2.54
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.143
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
41.8%
12M Return
-7.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-3.0%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.04
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
15.6%
Earnings Growth (YoY)
-35.1%
Earnings Stability (CV)
Lower = more stable
0.685
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
4
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
10
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
16
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
7
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity