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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $153.1M, roughly 1.4× CPI Card Group Inc.). UNIVERSAL TECHNICAL INSTITUTE INC runs the higher net margin — 5.8% vs 4.8%, 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 9.6%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-19.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 9.5%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
PMTS vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $220.8M |
| Net Profit | $7.3M | $12.8M |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | 7.1% |
| Net Margin | 4.8% | 5.8% |
| Revenue YoY | 22.3% | 9.6% |
| Net Profit YoY | 8.5% | -42.1% |
| EPS (diluted) | $0.62 | $0.23 |
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 | $153.1M | $220.8M | ||
| Q3 25 | $138.0M | $222.4M | ||
| Q2 25 | $129.8M | $204.3M | ||
| Q1 25 | $122.8M | $207.4M | ||
| Q4 24 | $125.1M | $201.4M | ||
| Q3 24 | $124.8M | $196.4M | ||
| Q2 24 | $118.8M | $177.5M | ||
| Q1 24 | $111.9M | $184.2M |
| Q4 25 | $7.3M | $12.8M | ||
| Q3 25 | $2.3M | $18.8M | ||
| Q2 25 | $518.0K | $10.7M | ||
| Q1 25 | $4.8M | $11.4M | ||
| Q4 24 | $6.8M | $22.2M | ||
| Q3 24 | $1.3M | $18.8M | ||
| Q2 24 | $6.0M | $5.0M | ||
| Q1 24 | $5.5M | $7.8M |
| 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 | 12.0% | 7.1% | ||
| Q3 25 | 9.4% | 11.2% | ||
| Q2 25 | 7.3% | 6.9% | ||
| Q1 25 | 11.5% | 8.1% | ||
| Q4 24 | 12.7% | 13.6% | ||
| Q3 24 | 14.3% | 13.3% | ||
| Q2 24 | 12.5% | 4.2% | ||
| Q1 24 | 12.6% | 6.1% |
| Q4 25 | 4.8% | 5.8% | ||
| Q3 25 | 1.7% | 8.4% | ||
| Q2 25 | 0.4% | 5.2% | ||
| Q1 25 | 3.9% | 5.5% | ||
| Q4 24 | 5.4% | 11.0% | ||
| Q3 24 | 1.0% | 9.6% | ||
| Q2 24 | 5.1% | 2.8% | ||
| Q1 24 | 4.9% | 4.2% |
| Q4 25 | $0.62 | $0.23 | ||
| Q3 25 | $0.19 | $0.33 | ||
| Q2 25 | $0.04 | $0.19 | ||
| Q1 25 | $0.40 | $0.21 | ||
| Q4 24 | $0.56 | $0.40 | ||
| Q3 24 | $0.11 | $0.35 | ||
| Q2 24 | $0.51 | $0.09 | ||
| Q1 24 | $0.46 | $0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $21.7M | $162.8M |
| Total DebtLower is stronger | $286.7M | $101.4M |
| Stockholders' EquityBook value | $-17.3M | $335.9M |
| Total Assets | $403.2M | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $162.8M | ||
| Q3 25 | $16.0M | $169.1M | ||
| Q2 25 | $17.1M | $70.7M | ||
| Q1 25 | $31.5M | $96.0M | ||
| Q4 24 | $33.5M | $172.0M | ||
| Q3 24 | $14.7M | $161.9M | ||
| Q2 24 | $7.5M | $115.5M | ||
| Q1 24 | $17.1M | $116.1M |
| Q4 25 | $286.7M | $101.4M | ||
| Q3 25 | $308.4M | $87.1M | ||
| Q2 25 | $310.9M | $73.8M | ||
| Q1 25 | $280.7M | $94.4M | ||
| Q4 24 | $280.4M | $120.1M | ||
| Q3 24 | $280.2M | $125.7M | ||
| Q2 24 | $269.7M | $137.3M | ||
| Q1 24 | $265.3M | $141.9M |
| Q4 25 | $-17.3M | $335.9M | ||
| Q3 25 | $-25.7M | $328.1M | ||
| Q2 25 | $-29.0M | $306.8M | ||
| Q1 25 | $-29.7M | $293.9M | ||
| Q4 24 | $-35.6M | $280.0M | ||
| Q3 24 | $-42.8M | $260.2M | ||
| Q2 24 | $-44.6M | $239.4M | ||
| Q1 24 | $-48.5M | $232.6M |
| Q4 25 | $403.2M | $834.0M | ||
| Q3 25 | $407.1M | $826.1M | ||
| Q2 25 | $399.8M | $740.8M | ||
| Q1 25 | $351.9M | $720.4M | ||
| Q4 24 | $349.7M | $753.8M | ||
| Q3 24 | $342.3M | $744.6M | ||
| Q2 24 | $321.4M | $706.0M | ||
| Q1 24 | $319.8M | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $39.6M | $3.1M |
| Free Cash FlowOCF − Capex | $35.2M | $-19.2M |
| FCF MarginFCF / Revenue | 23.0% | -8.7% |
| Capex IntensityCapex / Revenue | 2.9% | 10.1% |
| Cash ConversionOCF / Net Profit | 5.39× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $3.1M | ||
| Q3 25 | $10.0M | $57.1M | ||
| Q2 25 | $4.3M | $18.1M | ||
| Q1 25 | $5.6M | $-789.0K | ||
| Q4 24 | $26.7M | $23.0M | ||
| Q3 24 | $12.5M | $67.5M | ||
| Q2 24 | $-4.8M | $10.0M | ||
| Q1 24 | $8.9M | $-2.5M |
| Q4 25 | $35.2M | $-19.2M | ||
| Q3 25 | $5.3M | $40.6M | ||
| Q2 25 | $533.0K | $6.8M | ||
| Q1 25 | $292.0K | $-11.7M | ||
| Q4 24 | $21.6M | $19.6M | ||
| Q3 24 | $11.1M | $60.0M | ||
| Q2 24 | $-6.0M | $3.0M | ||
| Q1 24 | $7.4M | $-8.4M |
| Q4 25 | 23.0% | -8.7% | ||
| Q3 25 | 3.8% | 18.3% | ||
| Q2 25 | 0.4% | 3.4% | ||
| Q1 25 | 0.2% | -5.7% | ||
| Q4 24 | 17.3% | 9.7% | ||
| Q3 24 | 8.9% | 30.6% | ||
| Q2 24 | -5.0% | 1.7% | ||
| Q1 24 | 6.6% | -4.6% |
| Q4 25 | 2.9% | 10.1% | ||
| Q3 25 | 3.4% | 7.4% | ||
| Q2 25 | 2.9% | 5.5% | ||
| Q1 25 | 4.3% | 5.3% | ||
| Q4 24 | 4.0% | 1.7% | ||
| Q3 24 | 1.2% | 3.8% | ||
| Q2 24 | 1.0% | 4.0% | ||
| Q1 24 | 1.3% | 3.2% |
| Q4 25 | 5.39× | 0.24× | ||
| Q3 25 | 4.32× | 3.04× | ||
| Q2 25 | 8.39× | 1.69× | ||
| Q1 25 | 1.17× | -0.07× | ||
| Q4 24 | 3.94× | 1.04× | ||
| Q3 24 | 9.70× | 3.58× | ||
| Q2 24 | -0.79× | 2.01× | ||
| Q1 24 | 1.63× | -0.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
