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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $105.5M, roughly 1.5× CARRIAGE SERVICES INC). CARRIAGE SERVICES INC runs the higher net margin — 11.6% vs 4.8%, a 6.8% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 8.0%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $6.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
CSV vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $153.1M |
| Net Profit | $12.3M | $7.3M |
| Gross Margin | 34.8% | 31.5% |
| Operating Margin | 23.3% | 12.0% |
| Net Margin | 11.6% | 4.8% |
| Revenue YoY | 8.0% | 22.3% |
| Net Profit YoY | 24.5% | 8.5% |
| EPS (diluted) | $0.76 | $0.62 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $105.5M | $153.1M | ||
| Q3 25 | $102.7M | $138.0M | ||
| Q2 25 | $102.1M | $129.8M | ||
| Q1 25 | $107.1M | $122.8M | ||
| Q4 24 | $97.7M | $125.1M | ||
| Q3 24 | $100.7M | $124.8M | ||
| Q2 24 | $102.3M | $118.8M | ||
| Q1 24 | $103.5M | $111.9M |
| Q4 25 | $12.3M | $7.3M | ||
| Q3 25 | $6.6M | $2.3M | ||
| Q2 25 | $11.7M | $518.0K | ||
| Q1 25 | $20.9M | $4.8M | ||
| Q4 24 | $9.9M | $6.8M | ||
| Q3 24 | $9.9M | $1.3M | ||
| Q2 24 | $6.3M | $6.0M | ||
| Q1 24 | $7.0M | $5.5M |
| Q4 25 | 34.8% | 31.5% | ||
| Q3 25 | 35.3% | 29.7% | ||
| Q2 25 | 35.2% | 30.9% | ||
| Q1 25 | 35.3% | 33.2% | ||
| Q4 24 | 34.4% | 34.1% | ||
| Q3 24 | 35.2% | 35.8% | ||
| Q2 24 | 36.2% | 35.7% | ||
| Q1 24 | 36.0% | 37.1% |
| Q4 25 | 23.3% | 12.0% | ||
| Q3 25 | 17.0% | 9.4% | ||
| Q2 25 | 23.5% | 7.3% | ||
| Q1 25 | 29.5% | 11.5% | ||
| Q4 24 | 21.6% | 12.7% | ||
| Q3 24 | 22.7% | 14.3% | ||
| Q2 24 | 18.0% | 12.5% | ||
| Q1 24 | 18.8% | 12.6% |
| Q4 25 | 11.6% | 4.8% | ||
| Q3 25 | 6.4% | 1.7% | ||
| Q2 25 | 11.5% | 0.4% | ||
| Q1 25 | 19.5% | 3.9% | ||
| Q4 24 | 10.1% | 5.4% | ||
| Q3 24 | 9.8% | 1.0% | ||
| Q2 24 | 6.1% | 5.1% | ||
| Q1 24 | 6.7% | 4.9% |
| Q4 25 | $0.76 | $0.62 | ||
| Q3 25 | $0.41 | $0.19 | ||
| Q2 25 | $0.74 | $0.04 | ||
| Q1 25 | $1.34 | $0.40 | ||
| Q4 24 | $0.62 | $0.56 | ||
| Q3 24 | $0.63 | $0.11 | ||
| Q2 24 | $0.40 | $0.51 | ||
| Q1 24 | $0.45 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $254.8M | $-17.3M |
| Total Assets | $1.3B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $21.7M | ||
| Q3 25 | $1.2M | $16.0M | ||
| Q2 25 | $1.4M | $17.1M | ||
| Q1 25 | $4.6M | $31.5M | ||
| Q4 24 | $1.2M | $33.5M | ||
| Q3 24 | $1.3M | $14.7M | ||
| Q2 24 | $1.5M | $7.5M | ||
| Q1 24 | $1.7M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $254.8M | $-17.3M | ||
| Q3 25 | $242.1M | $-25.7M | ||
| Q2 25 | $235.4M | $-29.0M | ||
| Q1 25 | $223.1M | $-29.7M | ||
| Q4 24 | $208.6M | $-35.6M | ||
| Q3 24 | $198.1M | $-42.8M | ||
| Q2 24 | $187.9M | $-44.6M | ||
| Q1 24 | $179.6M | $-48.5M |
| Q4 25 | $1.3B | $403.2M | ||
| Q3 25 | $1.3B | $407.1M | ||
| Q2 25 | $1.3B | $399.8M | ||
| Q1 25 | $1.3B | $351.9M | ||
| Q4 24 | $1.3B | $349.7M | ||
| Q3 24 | $1.3B | $342.3M | ||
| Q2 24 | $1.3B | $321.4M | ||
| Q1 24 | $1.3B | $319.8M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | $39.6M |
| Free Cash FlowOCF − Capex | $6.2M | $35.2M |
| FCF MarginFCF / Revenue | 5.9% | 23.0% |
| Capex IntensityCapex / Revenue | 7.5% | 2.9% |
| Cash ConversionOCF / Net Profit | 1.15× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $39.6M | ||
| Q3 25 | $24.7M | $10.0M | ||
| Q2 25 | $8.1M | $4.3M | ||
| Q1 25 | $13.8M | $5.6M | ||
| Q4 24 | $9.3M | $26.7M | ||
| Q3 24 | $20.9M | $12.5M | ||
| Q2 24 | $2.2M | $-4.8M | ||
| Q1 24 | $19.7M | $8.9M |
| Q4 25 | $6.2M | $35.2M | ||
| Q3 25 | $18.0M | $5.3M | ||
| Q2 25 | $5.2M | $533.0K | ||
| Q1 25 | $10.6M | $292.0K | ||
| Q4 24 | $4.9M | $21.6M | ||
| Q3 24 | $16.2M | $11.1M | ||
| Q2 24 | $-1.4M | $-6.0M | ||
| Q1 24 | $16.2M | $7.4M |
| Q4 25 | 5.9% | 23.0% | ||
| Q3 25 | 17.5% | 3.8% | ||
| Q2 25 | 5.1% | 0.4% | ||
| Q1 25 | 9.9% | 0.2% | ||
| Q4 24 | 5.0% | 17.3% | ||
| Q3 24 | 16.1% | 8.9% | ||
| Q2 24 | -1.4% | -5.0% | ||
| Q1 24 | 15.6% | 6.6% |
| Q4 25 | 7.5% | 2.9% | ||
| Q3 25 | 6.5% | 3.4% | ||
| Q2 25 | 2.8% | 2.9% | ||
| Q1 25 | 3.0% | 4.3% | ||
| Q4 24 | 4.5% | 4.0% | ||
| Q3 24 | 4.6% | 1.2% | ||
| Q2 24 | 3.5% | 1.0% | ||
| Q1 24 | 3.4% | 1.3% |
| Q4 25 | 1.15× | 5.39× | ||
| Q3 25 | 3.76× | 4.32× | ||
| Q2 25 | 0.69× | 8.39× | ||
| Q1 25 | 0.66× | 1.17× | ||
| Q4 24 | 0.94× | 3.94× | ||
| Q3 24 | 2.11× | 9.70× | ||
| Q2 24 | 0.34× | -0.79× | ||
| Q1 24 | 2.83× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
