All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
4 warning events since 2017; the latest 2020-03-13.
From the record
CPI Card Group Inc.'s filings since 2017 show 4 warning events: a notice about its exchange listing (8-K item 3.01, 4 times, the latest 2020-03-13) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+11.4% a year over 8 filed years; profitable in 6 of 8.
From the record
CPI Card Group Inc.'s 8 filed years say what it did: revenue went from $256 million in fiscal 2018 to $544 million in fiscal 2025, up 11.4% a year; it rose in 6 of 7 years; the deepest fall was 7% from fiscal 2022 to fiscal 2023; net income was positive in 6 of 8 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.5% a year. 7% of cash flow returned. Insiders: 1 sales, 8 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, CPI Card Group Inc.'s diluted share count grew about 0.5% a year, and dividends and buybacks returned about 7% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 8 purchases of their own stock on the open market in the year to 2026-11-03, buying about $4 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
Leverage 104%: owes 104¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, CPI Card Group Inc.'s shareholders' equity was below zero, so the profit on it is not read, and gross profitability: its products earned about 42 cents per dollar of everything the company owns. Leverage: it owed about 104 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 46% of 21 in its family; net margin 2.8%.
From the record
CPI Card Group Inc.'s standing among 21 graded names in its industry family: revenue of $544 million in fiscal 2025 ranks in the bottom 24% by size; a net margin of 2.8% ranks in the bottom 45%; revenue growth of 4.5% a year over the last 3 filed years ranks in the top 31% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 35% of 15 in its family for leadership; chief executive since 2024.
From the record
CPI Card Group Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Lowe, John Daniel (President and CEO, as filed), filing under that title since 2024-01-26, 2.8 years (bottom 23% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 3.5 years (bottom 11%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 27% of 21 in its family for room to expand.
From the record
CPI Card Group Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $22 million against debt of $287 million leaves -65.7% of its assets as net cash, bottom 7% of its family; cash from operations less capital spending is 7.6% of revenue (bottom 45%); a gross margin of 31.3% (bottom 30%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 48% of 21 in its family for growth drivers.
From the record
CPI Card Group Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 4.5% a year over the last three filed years against 11.4% over all 8, slowing (bottom 18% of its family); the newest year grew 13.1% (top 17%); capital spending grew 0.6% a year (bottom 43%) (its annual reports). CPI Card Group Inc. reported 2 lines of business in fiscal 2025: US Debit and Credit at $451 million, US Prepaid Debit at $94 million. 1 of 2 grew in the latest filed year, and the largest line is 83% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 43% of 20 in its family for expectations against reality.
From the record
CPI Card Group Inc.'s newest year against its own record: revenue of $544 million in fiscal 2025 came in 12.5% above the $483 million its prior three years' pace pointed to (top 7% of its family); net income of $15 million against a prior three-year average of $27 million (bottom 13%); a net margin of 2.8% against 5.7% before (bottom 23%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made