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Side-by-side financial comparison of PagerDuty, Inc. (PD) 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 $124.5M, roughly 1.2× PagerDuty, Inc.). PagerDuty, Inc. runs the higher net margin — 129.7% vs 4.8%, a 124.9% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 4.7%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $24.1M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 5.9%).
PagerDuty, Inc. is an American cloud computing company specializing in a SaaS incident management platform for IT operations departments.
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.
PD vs PMTS — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $124.5M | $153.1M |
| Net Profit | $161.6M | $7.3M |
| Gross Margin | 85.3% | 31.5% |
| Operating Margin | 6.5% | 12.0% |
| Net Margin | 129.7% | 4.8% |
| Revenue YoY | 4.7% | 22.3% |
| Net Profit YoY | 2827.7% | 8.5% |
| EPS (diluted) | $1.69 | $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 | $124.5M | $153.1M | ||
| Q3 25 | $123.4M | $138.0M | ||
| Q2 25 | $119.8M | $129.8M | ||
| Q1 25 | $121.4M | $122.8M | ||
| Q4 24 | $118.9M | $125.1M | ||
| Q3 24 | $115.9M | $124.8M | ||
| Q2 24 | $111.2M | $118.8M | ||
| Q1 24 | $111.1M | $111.9M |
| Q4 25 | $161.6M | $7.3M | ||
| Q3 25 | $9.6M | $2.3M | ||
| Q2 25 | $-7.2M | $518.0K | ||
| Q1 25 | $-8.8M | $4.8M | ||
| Q4 24 | $-5.9M | $6.8M | ||
| Q3 24 | $-10.9M | $1.3M | ||
| Q2 24 | $-17.1M | $6.0M | ||
| Q1 24 | $-28.2M | $5.5M |
| Q4 25 | 85.3% | 31.5% | ||
| Q3 25 | 84.6% | 29.7% | ||
| Q2 25 | 84.0% | 30.9% | ||
| Q1 25 | 83.6% | 33.2% | ||
| Q4 24 | 83.0% | 34.1% | ||
| Q3 24 | 82.7% | 35.8% | ||
| Q2 24 | 82.6% | 35.7% | ||
| Q1 24 | 81.7% | 37.1% |
| Q4 25 | 6.5% | 12.0% | ||
| Q3 25 | 2.9% | 9.4% | ||
| Q2 25 | -8.6% | 7.3% | ||
| Q1 25 | -9.6% | 11.5% | ||
| Q4 24 | -8.7% | 12.7% | ||
| Q3 24 | -13.8% | 14.3% | ||
| Q2 24 | -19.5% | 12.5% | ||
| Q1 24 | -30.1% | 12.6% |
| Q4 25 | 129.7% | 4.8% | ||
| Q3 25 | 7.8% | 1.7% | ||
| Q2 25 | -6.0% | 0.4% | ||
| Q1 25 | -7.2% | 3.9% | ||
| Q4 24 | -5.0% | 5.4% | ||
| Q3 24 | -9.4% | 1.0% | ||
| Q2 24 | -15.4% | 5.1% | ||
| Q1 24 | -25.3% | 4.9% |
| Q4 25 | $1.69 | $0.62 | ||
| Q3 25 | $0.10 | $0.19 | ||
| Q2 25 | $-0.07 | $0.04 | ||
| Q1 25 | $-0.12 | $0.40 | ||
| Q4 24 | $-0.07 | $0.56 | ||
| Q3 24 | $-0.14 | $0.11 | ||
| Q2 24 | $-0.26 | $0.51 | ||
| Q1 24 | $-0.34 | $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 | $547.8M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $320.5M | $-17.3M |
| Total Assets | $1.0B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $547.8M | $21.7M | ||
| Q3 25 | $567.9M | $16.0M | ||
| Q2 25 | $597.1M | $17.1M | ||
| Q1 25 | $570.8M | $31.5M | ||
| Q4 24 | $542.2M | $33.5M | ||
| Q3 24 | $599.3M | $14.7M | ||
| Q2 24 | $592.8M | $7.5M | ||
| Q1 24 | $571.2M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | $484.5M | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | $489.5M | $265.3M |
| Q4 25 | $320.5M | $-17.3M | ||
| Q3 25 | $180.7M | $-25.7M | ||
| Q2 25 | $145.7M | $-29.0M | ||
| Q1 25 | $129.8M | $-29.7M | ||
| Q4 24 | $111.6M | $-35.6M | ||
| Q3 24 | $164.7M | $-42.8M | ||
| Q2 24 | $174.0M | $-44.6M | ||
| Q1 24 | $171.6M | $-48.5M |
| Q4 25 | $1.0B | $403.2M | ||
| Q3 25 | $891.5M | $407.1M | ||
| Q2 25 | $926.8M | $399.8M | ||
| Q1 25 | $927.3M | $351.9M | ||
| Q4 24 | $866.8M | $349.7M | ||
| Q3 24 | $916.0M | $342.3M | ||
| Q2 24 | $924.0M | $321.4M | ||
| Q1 24 | $925.3M | $319.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 3.73× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 2.85× | — |
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 | $24.8M | $39.6M |
| Free Cash FlowOCF − Capex | $24.1M | $35.2M |
| FCF MarginFCF / Revenue | 19.3% | 23.0% |
| Capex IntensityCapex / Revenue | 0.6% | 2.9% |
| Cash ConversionOCF / Net Profit | 0.15× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $117.6M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.8M | $39.6M | ||
| Q3 25 | $34.0M | $10.0M | ||
| Q2 25 | $30.7M | $4.3M | ||
| Q1 25 | $31.4M | $5.6M | ||
| Q4 24 | $22.1M | $26.7M | ||
| Q3 24 | $35.8M | $12.5M | ||
| Q2 24 | $28.6M | $-4.8M | ||
| Q1 24 | $22.2M | $8.9M |
| Q4 25 | $24.1M | $35.2M | ||
| Q3 25 | $33.1M | $5.3M | ||
| Q2 25 | $30.2M | $533.0K | ||
| Q1 25 | $30.3M | $292.0K | ||
| Q4 24 | $21.5M | $21.6M | ||
| Q3 24 | $35.1M | $11.1M | ||
| Q2 24 | $28.2M | $-6.0M | ||
| Q1 24 | $21.2M | $7.4M |
| Q4 25 | 19.3% | 23.0% | ||
| Q3 25 | 26.8% | 3.8% | ||
| Q2 25 | 25.2% | 0.4% | ||
| Q1 25 | 24.9% | 0.2% | ||
| Q4 24 | 18.1% | 17.3% | ||
| Q3 24 | 30.3% | 8.9% | ||
| Q2 24 | 25.4% | -5.0% | ||
| Q1 24 | 19.1% | 6.6% |
| Q4 25 | 0.6% | 2.9% | ||
| Q3 25 | 0.7% | 3.4% | ||
| Q2 25 | 0.4% | 2.9% | ||
| Q1 25 | 0.9% | 4.3% | ||
| Q4 24 | 0.5% | 4.0% | ||
| Q3 24 | 0.5% | 1.2% | ||
| Q2 24 | 0.4% | 1.0% | ||
| Q1 24 | 0.9% | 1.3% |
| Q4 25 | 0.15× | 5.39× | ||
| Q3 25 | 3.55× | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | — | 9.70× | ||
| Q2 24 | — | -0.79× | ||
| Q1 24 | — | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PD
| US | $88.8M | 71% |
| Non Us | $35.7M | 29% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
