NASDAQ$PMTS
CPI Card Group Inc · Q4 2019 earnings
Q4 2019 earnings · · Investor relations
Briefing
CPI Card Group reported strong net sales growth and significantly improved bottom-line performance.
CPI Card Group's Q4 2019 net sales increased by 6% year-over-year, with U.S. Debit and Credit segment sales up 24%. The company's GAAP net loss improved to $2.1 million, and Adjusted EBITDA increased by 74%.
- Net sales increased 6% to $72.6 million.
- Net loss from continuing operations was $2.1 million, or $0.19 per share, an improvement of 71%.
- Adjusted EBITDA improved 74% to $8.8 million.
- U.S. Debit and Credit net sales increased 24% to $61.6 million.
Headline financials
Revenue & EPS history
CPI Card Group · Revenue · Quarterly
$72.6M
Revenue by segment
CPI Card Group · $72.8M total across 2 segments · Q4 2019
- Debit and Credit$61.6M+24.2%84.7%
- Prepaid Debit$11.2M-34.6%15.3%
Forward guidance
The Company expects steady card manufacturing volume growth and strong growth in the number of small and medium sized financial institution locations offering instant issuance.
Tailwinds
- Steady card manufacturing volume growth expected.
- Migration to dual interface cards will continue its strong growth.
- Strong growth expected in the number of small and medium sized financial institution locations offering instant issuance.
- Company believes it will continue to win new business and expand its addressable market.
- Enhanced capabilities and high level of customer service will enable it to win incremental business from its current customers and expand its customer base.
Headwinds
- The Company expects the open loop prepaid card market to be directionally flat.
- Substantial indebtedness.
- Restrictive terms of credit facilities.
- Limited ability to raise capital in the future.
- System security risks, data protection breaches and cyber-attacks.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2019
-2.1%
Avg return
Earnings day
+0.7%
Avg return
5 days after
+9.6%
Avg return
30 days after
47%
21 / 45 earnings
Positive
+41.3%
Q4 2025
Best reaction
-48.9%
Q1 2016
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -6.5% | -8.8% | +3.7% | |
| Q4 2025 | +41.3% | +26.6% | +23.4% | |
| Q3 2025 | -20.3% | -21.3% | -18.5% | |
| Q1 2025 | +4.5% | -14.1% | -4.0% | |
| Q4 2024 | -6.7% | -11.6% | -16.8% | |
| Q3 2024 | +18.9% | +23.8% | +45.3% | |
| Q2 2024 | -10.8% | -1.8% | +1.2% | |
| Q1 2024 | +16.1% | +19.9% | +52.3% | |
| Q4 2023 | -18.8% | +2.4% | +0.8% | |
| Q3 2023 | -15.4% | -14.0% | +8.8% | |
| Q2 2023 | -3.8% | -4.2% | -15.0% | |
| Q1 2023 | -34.1% | -34.9% | -43.0% | |
| Q4 2022 | +20.7% | +9.0% | +28.5% | |
| Q3 2022 | +21.8% | +17.6% | +11.6% | |
| Q2 2022 | +7.0% | +10.8% | +4.3% | |
| Q1 2022 | +31.8% | +37.4% | +54.3% | |
| Q4 2021 | -5.7% | -0.6% | +17.2% | |
| Q3 2021 | -28.0% | -19.4% | -34.6% | |
| Q2 2021 | +0.3% | +20.6% | +76.0% | |
| Q1 2021 | +1.7% | +3.4% | +7.2% | |
| Q4 2020 | +40.1% | +28.5% | +102.3% | |
| Q3 2020 | +38.9% | +54.1% | +45.6% | |
| Q2 2020 | -23.6% | -28.8% | -43.0% | |
| Q1 2020 | +29.2% | +30.9% | +192.4% | |
| Q4 2019 | -1.9% | +10.1% | -19.0% | |
| Q3 2019 | -1.9% | -8.0% | -40.1% | |
| Q2 2019 | -3.7% | -3.3% | +21.7% | |
| Q1 2019 | +6.3% | +6.9% | +15.1% | |
| Q4 2018 | -1.9% | -3.7% | -12.7% | |
| Q3 2018 | -5.0% | -5.0% | -3.0% | |
| Q2 2018 | +18.0% | +14.7% | +61.6% | |
| Q1 2018 | -11.8% | -2.8% | +10.2% | |
| Q4 2017 | +1.6% | +0.3% | -19.8% | |
| Q3 2017 | -8.0% | -15.6% | -25.9% | |
| Q2 2017 | -42.9% | -60.7% | -65.7% | |
| Q1 2017 | -25.0% | -22.9% | -40.0% | |
| Q4 2016 | +4.4% | +0.0% | -6.7% | |
| Q3 2016 | -21.3% | -19.1% | -25.5% | |
| Q2 2016 | +3.6% | +8.8% | +25.0% | |
| Q1 2015 | -47.4% | — | — | |
| Q1 2016 | -48.9% | — | — | |
| Q2 2015 | +2.7% | — | — | |
| Q4 2015 | +1.4% | — | — | |
| Q3 2014 | +0.2% | — | — | |
| Q3 2015 | -11.3% | — | — | |
| Q4 2014 | — | — | — | |
| Q2 2014 | — | — | — | |
| Q1 2014 | — | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro