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Side-by-side financial comparison of MONRO, INC. (MNRO) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
MONRO, INC. is the larger business by last-quarter revenue ($293.4M vs $153.1M, roughly 1.9× CPI Card Group Inc.). CPI Card Group Inc. runs the higher net margin — 4.8% vs 3.8%, a 1.0% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -4.0%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $9.1M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
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.
MNRO vs PMTS — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $153.1M |
| Net Profit | $11.1M | $7.3M |
| Gross Margin | 34.9% | 31.5% |
| Operating Margin | 6.3% | 12.0% |
| Net Margin | 3.8% | 4.8% |
| Revenue YoY | -4.0% | 22.3% |
| Net Profit YoY | 143.1% | 8.5% |
| EPS (diluted) | $0.35 | $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 | $293.4M | $153.1M | ||
| Q3 25 | $288.9M | $138.0M | ||
| Q2 25 | $301.0M | $129.8M | ||
| Q1 25 | $295.0M | $122.8M | ||
| Q4 24 | $305.8M | $125.1M | ||
| Q3 24 | $301.4M | $124.8M | ||
| Q2 24 | $293.2M | $118.8M | ||
| Q1 24 | $310.1M | $111.9M |
| Q4 25 | $11.1M | $7.3M | ||
| Q3 25 | $5.7M | $2.3M | ||
| Q2 25 | $-8.1M | $518.0K | ||
| Q1 25 | $-21.3M | $4.8M | ||
| Q4 24 | $4.6M | $6.8M | ||
| Q3 24 | $5.6M | $1.3M | ||
| Q2 24 | $5.9M | $6.0M | ||
| Q1 24 | $3.7M | $5.5M |
| Q4 25 | 34.9% | 31.5% | ||
| Q3 25 | 35.7% | 29.7% | ||
| Q2 25 | 35.5% | 30.9% | ||
| Q1 25 | 33.0% | 33.2% | ||
| Q4 24 | 34.3% | 34.1% | ||
| Q3 24 | 35.3% | 35.8% | ||
| Q2 24 | 37.2% | 35.7% | ||
| Q1 24 | 35.5% | 37.1% |
| Q4 25 | 6.3% | 12.0% | ||
| Q3 25 | 4.4% | 9.4% | ||
| Q2 25 | -2.0% | 7.3% | ||
| Q1 25 | -8.1% | 11.5% | ||
| Q4 24 | 3.3% | 12.7% | ||
| Q3 24 | 4.4% | 14.3% | ||
| Q2 24 | 4.5% | 12.5% | ||
| Q1 24 | 3.3% | 12.6% |
| Q4 25 | 3.8% | 4.8% | ||
| Q3 25 | 2.0% | 1.7% | ||
| Q2 25 | -2.7% | 0.4% | ||
| Q1 25 | -7.2% | 3.9% | ||
| Q4 24 | 1.5% | 5.4% | ||
| Q3 24 | 1.9% | 1.0% | ||
| Q2 24 | 2.0% | 5.1% | ||
| Q1 24 | 1.2% | 4.9% |
| Q4 25 | $0.35 | $0.62 | ||
| Q3 25 | $0.18 | $0.19 | ||
| Q2 25 | $-0.28 | $0.04 | ||
| Q1 25 | $-0.74 | $0.40 | ||
| Q4 24 | $0.15 | $0.56 | ||
| Q3 24 | $0.18 | $0.11 | ||
| Q2 24 | $0.19 | $0.51 | ||
| Q1 24 | $0.12 | $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 | $4.9M | $21.7M |
| Total DebtLower is stronger | $45.0M | $286.7M |
| Stockholders' EquityBook value | $604.9M | $-17.3M |
| Total Assets | $1.6B | $403.2M |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $21.7M | ||
| Q3 25 | $10.5M | $16.0M | ||
| Q2 25 | $7.8M | $17.1M | ||
| Q1 25 | $20.8M | $31.5M | ||
| Q4 24 | $10.2M | $33.5M | ||
| Q3 24 | $20.9M | $14.7M | ||
| Q2 24 | $18.7M | $7.5M | ||
| Q1 24 | $6.6M | $17.1M |
| Q4 25 | $45.0M | $286.7M | ||
| Q3 25 | $60.0M | $308.4M | ||
| Q2 25 | $71.5M | $310.9M | ||
| Q1 25 | $61.3M | $280.7M | ||
| Q4 24 | $59.3M | $280.4M | ||
| Q3 24 | $62.0M | $280.2M | ||
| Q2 24 | $112.0M | $269.7M | ||
| Q1 24 | $102.0M | $265.3M |
| Q4 25 | $604.9M | $-17.3M | ||
| Q3 25 | $601.7M | $-25.7M | ||
| Q2 25 | $604.9M | $-29.0M | ||
| Q1 25 | $620.8M | $-29.7M | ||
| Q4 24 | $648.9M | $-35.6M | ||
| Q3 24 | $651.9M | $-42.8M | ||
| Q2 24 | $654.4M | $-44.6M | ||
| Q1 24 | $656.8M | $-48.5M |
| Q4 25 | $1.6B | $403.2M | ||
| Q3 25 | $1.6B | $407.1M | ||
| Q2 25 | $1.6B | $399.8M | ||
| Q1 25 | $1.6B | $351.9M | ||
| Q4 24 | $1.7B | $349.7M | ||
| Q3 24 | $1.7B | $342.3M | ||
| Q2 24 | $1.7B | $321.4M | ||
| Q1 24 | $1.7B | $319.8M |
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.16× | — |
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 | $17.8M | $39.6M |
| Free Cash FlowOCF − Capex | $9.1M | $35.2M |
| FCF MarginFCF / Revenue | 3.1% | 23.0% |
| Capex IntensityCapex / Revenue | 3.0% | 2.9% |
| Cash ConversionOCF / Net Profit | 1.60× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $39.6M | ||
| Q3 25 | $32.3M | $10.0M | ||
| Q2 25 | $-1.9M | $4.3M | ||
| Q1 25 | $28.9M | $5.6M | ||
| Q4 24 | $14.8M | $26.7M | ||
| Q3 24 | $62.6M | $12.5M | ||
| Q2 24 | $25.6M | $-4.8M | ||
| Q1 24 | $-5.3M | $8.9M |
| Q4 25 | $9.1M | $35.2M | ||
| Q3 25 | $26.6M | $5.3M | ||
| Q2 25 | $-9.3M | $533.0K | ||
| Q1 25 | $23.2M | $292.0K | ||
| Q4 24 | $7.9M | $21.6M | ||
| Q3 24 | $57.6M | $11.1M | ||
| Q2 24 | $16.8M | $-6.0M | ||
| Q1 24 | $-11.9M | $7.4M |
| Q4 25 | 3.1% | 23.0% | ||
| Q3 25 | 9.2% | 3.8% | ||
| Q2 25 | -3.1% | 0.4% | ||
| Q1 25 | 7.9% | 0.2% | ||
| Q4 24 | 2.6% | 17.3% | ||
| Q3 24 | 19.1% | 8.9% | ||
| Q2 24 | 5.7% | -5.0% | ||
| Q1 24 | -3.8% | 6.6% |
| Q4 25 | 3.0% | 2.9% | ||
| Q3 25 | 2.0% | 3.4% | ||
| Q2 25 | 2.5% | 2.9% | ||
| Q1 25 | 1.9% | 4.3% | ||
| Q4 24 | 2.2% | 4.0% | ||
| Q3 24 | 1.6% | 1.2% | ||
| Q2 24 | 3.0% | 1.0% | ||
| Q1 24 | 2.1% | 1.3% |
| Q4 25 | 1.60× | 5.39× | ||
| Q3 25 | 5.71× | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | 3.23× | 3.94× | ||
| Q3 24 | 11.08× | 9.70× | ||
| Q2 24 | 4.37× | -0.79× | ||
| Q1 24 | -1.42× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
