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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and VINCE HOLDING CORP. (VNCE). 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 $85.1M, roughly 1.8× VINCE HOLDING CORP.). CPI Card Group Inc. runs the higher net margin — 4.8% vs 3.2%, a 1.6% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 6.2%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-5.7M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 6.3%).
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.
VINCE. is a contemporary clothing fashion brand founded in 2002. In 2023 Authentic Brands Group purchased its intellectual property in a $76.5 million deal.
PMTS vs VNCE — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $85.1M |
| Net Profit | $7.3M | $2.7M |
| Gross Margin | 31.5% | 49.2% |
| Operating Margin | 12.0% | 6.4% |
| Net Margin | 4.8% | 3.2% |
| Revenue YoY | 22.3% | 6.2% |
| Net Profit YoY | 8.5% | -37.3% |
| EPS (diluted) | $0.62 | $0.21 |
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 | $85.1M | ||
| Q3 25 | $138.0M | $73.2M | ||
| Q2 25 | $129.8M | $57.9M | ||
| Q1 25 | $122.8M | $80.0M | ||
| Q4 24 | $125.1M | $80.2M | ||
| Q3 24 | $124.8M | $74.2M | ||
| Q2 24 | $118.8M | $59.2M | ||
| Q1 24 | $111.9M | $75.3M |
| Q4 25 | $7.3M | $2.7M | ||
| Q3 25 | $2.3M | $12.1M | ||
| Q2 25 | $518.0K | $-4.8M | ||
| Q1 25 | $4.8M | $-28.3M | ||
| Q4 24 | $6.8M | $4.3M | ||
| Q3 24 | $1.3M | $569.0K | ||
| Q2 24 | $6.0M | $4.4M | ||
| Q1 24 | $5.5M | $-4.7M |
| Q4 25 | 31.5% | 49.2% | ||
| Q3 25 | 29.7% | 50.4% | ||
| Q2 25 | 30.9% | 50.3% | ||
| Q1 25 | 33.2% | 50.1% | ||
| Q4 24 | 34.1% | 50.0% | ||
| Q3 24 | 35.8% | 47.4% | ||
| Q2 24 | 35.7% | 50.6% | ||
| Q1 24 | 37.1% | 45.4% |
| Q4 25 | 12.0% | 6.4% | ||
| Q3 25 | 9.4% | 15.2% | ||
| Q2 25 | 7.3% | -7.7% | ||
| Q1 25 | 11.5% | -37.1% | ||
| Q4 24 | 12.7% | 7.2% | ||
| Q3 24 | 14.3% | 1.5% | ||
| Q2 24 | 12.5% | 9.5% | ||
| Q1 24 | 12.6% | -2.2% |
| Q4 25 | 4.8% | 3.2% | ||
| Q3 25 | 1.7% | 16.5% | ||
| Q2 25 | 0.4% | -8.3% | ||
| Q1 25 | 3.9% | -35.5% | ||
| Q4 24 | 5.4% | 5.4% | ||
| Q3 24 | 1.0% | 0.8% | ||
| Q2 24 | 5.1% | 7.4% | ||
| Q1 24 | 4.9% | -6.2% |
| Q4 25 | $0.62 | $0.21 | ||
| Q3 25 | $0.19 | $0.93 | ||
| Q2 25 | $0.04 | $-0.37 | ||
| Q1 25 | $0.40 | $-2.25 | ||
| Q4 24 | $0.56 | $0.34 | ||
| Q3 24 | $0.11 | $0.05 | ||
| Q2 24 | $0.51 | $0.35 | ||
| Q1 24 | $0.46 | $-0.37 |
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 | $1.1M |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $53.4M |
| Total Assets | $403.2M | $246.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $1.1M | ||
| Q3 25 | $16.0M | $777.0K | ||
| Q2 25 | $17.1M | $2.6M | ||
| Q1 25 | $31.5M | $607.0K | ||
| Q4 24 | $33.5M | $892.0K | ||
| Q3 24 | $14.7M | $711.0K | ||
| Q2 24 | $7.5M | $739.0K | ||
| Q1 24 | $17.1M | $357.0K |
| 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 | $-17.3M | $53.4M | ||
| Q3 25 | $-25.7M | $49.3M | ||
| Q2 25 | $-29.0M | $37.2M | ||
| Q1 25 | $-29.7M | $41.8M | ||
| Q4 24 | $-35.6M | $57.1M | ||
| Q3 24 | $-42.8M | $52.4M | ||
| Q2 24 | $-44.6M | $51.7M | ||
| Q1 24 | $-48.5M | $47.2M |
| Q4 25 | $403.2M | $246.0M | ||
| Q3 25 | $407.1M | $239.0M | ||
| Q2 25 | $399.8M | $218.0M | ||
| Q1 25 | $351.9M | $222.7M | ||
| Q4 24 | $349.7M | $254.7M | ||
| Q3 24 | $342.3M | $253.6M | ||
| Q2 24 | $321.4M | $223.1M | ||
| Q1 24 | $319.8M | $225.1M |
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 | $-5.1M |
| Free Cash FlowOCF − Capex | $35.2M | $-5.7M |
| FCF MarginFCF / Revenue | 23.0% | -6.7% |
| Capex IntensityCapex / Revenue | 2.9% | 0.7% |
| Cash ConversionOCF / Net Profit | 5.39× | -1.86× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $-5.1M | ||
| Q3 25 | $10.0M | $4.2M | ||
| Q2 25 | $4.3M | $-11.8M | ||
| Q1 25 | $5.6M | $22.7M | ||
| Q4 24 | $26.7M | $6.4M | ||
| Q3 24 | $12.5M | $-3.2M | ||
| Q2 24 | $-4.8M | $-3.9M | ||
| Q1 24 | $8.9M | $14.8M |
| Q4 25 | $35.2M | $-5.7M | ||
| Q3 25 | $5.3M | $2.1M | ||
| Q2 25 | $533.0K | $-13.2M | ||
| Q1 25 | $292.0K | $21.2M | ||
| Q4 24 | $21.6M | $5.1M | ||
| Q3 24 | $11.1M | $-3.9M | ||
| Q2 24 | $-6.0M | $-4.6M | ||
| Q1 24 | $7.4M | $14.2M |
| Q4 25 | 23.0% | -6.7% | ||
| Q3 25 | 3.8% | 2.9% | ||
| Q2 25 | 0.4% | -22.9% | ||
| Q1 25 | 0.2% | 26.5% | ||
| Q4 24 | 17.3% | 6.4% | ||
| Q3 24 | 8.9% | -5.2% | ||
| Q2 24 | -5.0% | -7.8% | ||
| Q1 24 | 6.6% | 18.9% |
| Q4 25 | 2.9% | 0.7% | ||
| Q3 25 | 3.4% | 2.9% | ||
| Q2 25 | 2.9% | 2.5% | ||
| Q1 25 | 4.3% | 1.9% | ||
| Q4 24 | 4.0% | 1.6% | ||
| Q3 24 | 1.2% | 0.9% | ||
| Q2 24 | 1.0% | 1.3% | ||
| Q1 24 | 1.3% | 0.7% |
| Q4 25 | 5.39× | -1.86× | ||
| Q3 25 | 4.32× | 0.35× | ||
| Q2 25 | 8.39× | — | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | 1.48× | ||
| Q3 24 | 9.70× | -5.61× | ||
| Q2 24 | -0.79× | -0.89× | ||
| Q1 24 | 1.63× | — |
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% |
VNCE
| Vince Wholesale | $52.0M | 61% |
| Vince Direct To Consumer | $33.1M | 39% |
