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CPI Card Group (PMTS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · CPI Card Group (PMTS) Q3 2026 earnings results →
Q3 2026 Revenue up 15% year over year to $158M · 3¢ of every $1 of revenue kept as net profit · operating margin 9.9%
CPI Card Group made $158M in Q3 2026 (+15% Y/Y). Operating margin 9.9%, net earnings $5.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $158.4M in Q3 2026, up 15% year over year and up 6% from the previous quarter.
Gross margin was 31.7%, up 2.0 points from Q3 2025. Operating profit was $15.7M, a 9.9% margin (up 0.5 points year over year). Of the extra revenue versus Q3 2025, 13% reached operating profit, above the 9% margin then. Operating expenses grew 24% against revenue growth of 15%. Net earnings were $5.0M, up 117% year over year. The effective tax rate was 20.7%.
Operating cash flow was $15.1M (up 51% year over year), 301% of net earnings. Non-cash charges added back $6.7M of depreciation and amortization and $2.6M of share-based compensation. Working capital and other items added $759K. After capital expenditures for plant, equipment and leasehold improvements, net ($5.0M), free cash flow as the company reports it was $10.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $158M | +15% | 9.9% | $5.0M | $15.1M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $149M | +15% | 8.0% | $2.0M | $28.5M |
| Q1 2026 | 10-Q | May 5, 2026 | $147M | +20% | 7.5% | $2.1M | $13.6M |
| Q4 2025 | 10-K | Mar 5, 2026 | $153M | +22% | 12.0% | $7.3M | $39.6M |
| Q3 2025 | 10-Q | Nov 4, 2025 | $138M | +11% | 9.4% | $2.3M | $10.0M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $130M | +9% | 7.3% | $518K | $4.3M |
| Q1 2025 | 10-Q | May 7, 2025 | $123M | +10% | 11.5% | $4.8M | $5.6M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About CPI Card Group
CPI is a payments technology company that is integral to the payments ecosystem. CPI’s connections, people, and solutions enable payments for a broad and expanding customer base including thousands of U.S. financial institutions, processors, fintechs, prepaid program managers and more, and these customers count on us to deliver what's next. We continue to transform alongside the market, and for decades have invested in building deep connections and flexible solutions for our customers. Our proprietary platform and expertise uniquely position CPI to deliver today, tomorrow, and into the future as the market expands and payment methods evolve.Learn more at www.cpicardgroup.com.
In its own words, from its 8-K, filed Aug 6, 2026.
CPI Card Group against its Commercial Printing peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +15% against the peers' median +8%. Operating margin: 9.9% against the peers' median 2.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PMTS CPI Card Group | Q3 2026 | $158M | +15% | 9.9% |
| CMPR Cimpress | Q1 FY27 | $934M | +8% | 2.8% |
| QUAD Quad/Graphics | Q3 2026 | $587M | -0.2% | 2.4% |
Source: CPI Card Group 10-Q on SEC EDGAR · CIK 1641614 · Commercial Printing
Guidance and outlook
13F: who owns PMTS and who is buying
More on PMTS
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results