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Side-by-side financial comparison of PAMT CORP (PAMT) 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 $141.3M, roughly 1.1× PAMT CORP). CPI Card Group Inc. runs the higher net margin — 4.8% vs -20.7%, a 25.5% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -15.1%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-25.0M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs -12.0%).
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.
PAMT vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $141.3M | $153.1M |
| Net Profit | $-29.3M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | -27.0% | 12.0% |
| Net Margin | -20.7% | 4.8% |
| Revenue YoY | -15.1% | 22.3% |
| Net Profit YoY | 7.4% | 8.5% |
| EPS (diluted) | $-1.38 | $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 | $141.3M | $153.1M | ||
| Q3 25 | $150.3M | $138.0M | ||
| Q2 25 | $151.1M | $129.8M | ||
| Q1 25 | $155.3M | $122.8M | ||
| Q4 24 | $166.5M | $125.1M | ||
| Q3 24 | $182.6M | $124.8M | ||
| Q2 24 | $182.9M | $118.8M | ||
| Q1 24 | $182.6M | $111.9M |
| Q4 25 | $-29.3M | $7.3M | ||
| Q3 25 | $-5.6M | $2.3M | ||
| Q2 25 | $-9.6M | $518.0K | ||
| Q1 25 | $-8.1M | $4.8M | ||
| Q4 24 | $-31.6M | $6.8M | ||
| Q3 24 | $2.4M | $1.3M | ||
| Q2 24 | $-2.9M | $6.0M | ||
| Q1 24 | $281.0K | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | -27.0% | 12.0% | ||
| Q3 25 | -3.8% | 9.4% | ||
| Q2 25 | -7.3% | 7.3% | ||
| Q1 25 | -5.9% | 11.5% | ||
| Q4 24 | -22.6% | 12.7% | ||
| Q3 24 | 1.3% | 14.3% | ||
| Q2 24 | -0.4% | 12.5% | ||
| Q1 24 | -0.4% | 12.6% |
| Q4 25 | -20.7% | 4.8% | ||
| Q3 25 | -3.7% | 1.7% | ||
| Q2 25 | -6.4% | 0.4% | ||
| Q1 25 | -5.2% | 3.9% | ||
| Q4 24 | -19.0% | 5.4% | ||
| Q3 24 | 1.3% | 1.0% | ||
| Q2 24 | -1.6% | 5.1% | ||
| Q1 24 | 0.2% | 4.9% |
| Q4 25 | $-1.38 | $0.62 | ||
| Q3 25 | $-0.27 | $0.19 | ||
| Q2 25 | $-0.46 | $0.04 | ||
| Q1 25 | $-0.37 | $0.40 | ||
| Q4 24 | $-1.44 | $0.56 | ||
| Q3 24 | $0.11 | $0.11 | ||
| Q2 24 | $-0.13 | $0.51 | ||
| Q1 24 | $0.01 | $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 | $83.7M | $21.7M |
| Total DebtLower is stronger | $333.9M | $286.7M |
| Stockholders' EquityBook value | $210.5M | $-17.3M |
| Total Assets | $697.9M | $403.2M |
| Debt / EquityLower = less leverage | 1.59× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.7M | $21.7M | ||
| Q3 25 | $115.6M | $16.0M | ||
| Q2 25 | $117.3M | $17.1M | ||
| Q1 25 | $102.7M | $31.5M | ||
| Q4 24 | $110.7M | $33.5M | ||
| Q3 24 | $92.3M | $14.7M | ||
| Q2 24 | $114.0M | $7.5M | ||
| Q1 24 | $125.8M | $17.1M |
| Q4 25 | $333.9M | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | $325.6M | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $210.5M | $-17.3M | ||
| Q3 25 | $239.5M | $-25.7M | ||
| Q2 25 | $244.9M | $-29.0M | ||
| Q1 25 | $269.6M | $-29.7M | ||
| Q4 24 | $277.5M | $-35.6M | ||
| Q3 24 | $308.9M | $-42.8M | ||
| Q2 24 | $306.7M | $-44.6M | ||
| Q1 24 | $314.6M | $-48.5M |
| Q4 25 | $697.9M | $403.2M | ||
| Q3 25 | $715.2M | $407.1M | ||
| Q2 25 | $707.9M | $399.8M | ||
| Q1 25 | $712.6M | $351.9M | ||
| Q4 24 | $741.7M | $349.7M | ||
| Q3 24 | $756.7M | $342.3M | ||
| Q2 24 | $733.5M | $321.4M | ||
| Q1 24 | $746.4M | $319.8M |
| Q4 25 | 1.59× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.17× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M | $39.6M |
| Free Cash FlowOCF − Capex | $-25.0M | $35.2M |
| FCF MarginFCF / Revenue | -17.7% | 23.0% |
| Capex IntensityCapex / Revenue | 13.6% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $-23.4M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-5.8M | $39.6M | ||
| Q3 25 | $5.9M | $10.0M | ||
| Q2 25 | $12.2M | $4.3M | ||
| Q1 25 | $5.0M | $5.6M | ||
| Q4 24 | $15.2M | $26.7M | ||
| Q3 24 | $15.5M | $12.5M | ||
| Q2 24 | $18.7M | $-4.8M | ||
| Q1 24 | $9.6M | $8.9M |
| Q4 25 | $-25.0M | $35.2M | ||
| Q3 25 | $2.5M | $5.3M | ||
| Q2 25 | $5.9M | $533.0K | ||
| Q1 25 | $-6.8M | $292.0K | ||
| Q4 24 | $-39.9M | $21.6M | ||
| Q3 24 | $-33.6M | $11.1M | ||
| Q2 24 | $4.1M | $-6.0M | ||
| Q1 24 | $-12.2M | $7.4M |
| Q4 25 | -17.7% | 23.0% | ||
| Q3 25 | 1.7% | 3.8% | ||
| Q2 25 | 3.9% | 0.4% | ||
| Q1 25 | -4.4% | 0.2% | ||
| Q4 24 | -24.0% | 17.3% | ||
| Q3 24 | -18.4% | 8.9% | ||
| Q2 24 | 2.2% | -5.0% | ||
| Q1 24 | -6.7% | 6.6% |
| Q4 25 | 13.6% | 2.9% | ||
| Q3 25 | 2.3% | 3.4% | ||
| Q2 25 | 4.2% | 2.9% | ||
| Q1 25 | 7.6% | 4.3% | ||
| Q4 24 | 33.1% | 4.0% | ||
| Q3 24 | 26.9% | 1.2% | ||
| Q2 24 | 8.0% | 1.0% | ||
| Q1 24 | 12.0% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | — | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | 6.44× | 9.70× | ||
| Q2 24 | — | -0.79× | ||
| Q1 24 | 34.11× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
