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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and WORKIVA INC (WK). Click either name above to swap in a different company.
WORKIVA INC is the larger business by last-quarter revenue ($238.9M vs $153.1M, roughly 1.6× CPI Card Group Inc.). WORKIVA INC runs the higher net margin — 4.9% vs 4.8%, a 0.1% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 19.5%). WORKIVA INC produced more free cash flow last quarter ($50.7M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 16.6%).
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.
Workiva, Inc. is a global software-as-a-service (SaaS) company. It provides a cloud-based connected and reporting compliance platform that enables the use of connected data and automation of reporting across finance, accounting, risk, and compliance.
PMTS vs WK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $238.9M |
| Net Profit | $7.3M | $11.8M |
| Gross Margin | 31.5% | 80.7% |
| Operating Margin | 12.0% | 3.3% |
| Net Margin | 4.8% | 4.9% |
| Revenue YoY | 22.3% | 19.5% |
| Net Profit YoY | 8.5% | 234.0% |
| 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 | $238.9M | ||
| Q3 25 | $138.0M | $224.2M | ||
| Q2 25 | $129.8M | $215.2M | ||
| Q1 25 | $122.8M | $206.3M | ||
| Q4 24 | $125.1M | $199.9M | ||
| Q3 24 | $124.8M | $185.6M | ||
| Q2 24 | $118.8M | $177.5M | ||
| Q1 24 | $111.9M | $175.7M |
| Q4 25 | $7.3M | $11.8M | ||
| Q3 25 | $2.3M | $2.8M | ||
| Q2 25 | $518.0K | $-19.4M | ||
| Q1 25 | $4.8M | $-21.4M | ||
| Q4 24 | $6.8M | $-8.8M | ||
| Q3 24 | $1.3M | $-17.0M | ||
| Q2 24 | $6.0M | $-17.5M | ||
| Q1 24 | $5.5M | $-11.7M |
| Q4 25 | 31.5% | 80.7% | ||
| Q3 25 | 29.7% | 79.3% | ||
| Q2 25 | 30.9% | 77.0% | ||
| Q1 25 | 33.2% | 76.6% | ||
| Q4 24 | 34.1% | 77.1% | ||
| Q3 24 | 35.8% | 76.5% | ||
| Q2 24 | 35.7% | 76.8% | ||
| Q1 24 | 37.1% | 76.4% |
| Q4 25 | 12.0% | 3.3% | ||
| Q3 25 | 9.4% | -1.5% | ||
| Q2 25 | 7.3% | -10.3% | ||
| Q1 25 | 11.5% | -12.0% | ||
| Q4 24 | 12.7% | -6.7% | ||
| Q3 24 | 14.3% | -11.7% | ||
| Q2 24 | 12.5% | -13.0% | ||
| Q1 24 | 12.6% | -10.4% |
| Q4 25 | 4.8% | 4.9% | ||
| Q3 25 | 1.7% | 1.2% | ||
| Q2 25 | 0.4% | -9.0% | ||
| Q1 25 | 3.9% | -10.4% | ||
| Q4 24 | 5.4% | -4.4% | ||
| Q3 24 | 1.0% | -9.2% | ||
| Q2 24 | 5.1% | -9.9% | ||
| Q1 24 | 4.9% | -6.7% |
| Q4 25 | $0.62 | $0.21 | ||
| Q3 25 | $0.19 | $0.05 | ||
| Q2 25 | $0.04 | $-0.35 | ||
| Q1 25 | $0.40 | $-0.38 | ||
| Q4 24 | $0.56 | $-0.15 | ||
| Q3 24 | $0.11 | $-0.31 | ||
| Q2 24 | $0.51 | $-0.32 | ||
| Q1 24 | $0.46 | $-0.21 |
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 | $338.8M |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $-5.4M |
| Total Assets | $403.2M | $1.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $338.8M | ||
| Q3 25 | $16.0M | $315.9M | ||
| Q2 25 | $17.1M | $284.3M | ||
| Q1 25 | $31.5M | $242.0M | ||
| Q4 24 | $33.5M | $301.8M | ||
| Q3 24 | $14.7M | $248.2M | ||
| Q2 24 | $7.5M | $267.9M | ||
| Q1 24 | $17.1M | $296.1M |
| 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 | $-5.4M | ||
| Q3 25 | $-25.7M | $-36.9M | ||
| Q2 25 | $-29.0M | $-66.5M | ||
| Q1 25 | $-29.7M | $-75.7M | ||
| Q4 24 | $-35.6M | $-41.7M | ||
| Q3 24 | $-42.8M | $-50.8M | ||
| Q2 24 | $-44.6M | $-77.7M | ||
| Q1 24 | $-48.5M | $-83.2M |
| Q4 25 | $403.2M | $1.5B | ||
| Q3 25 | $407.1M | $1.4B | ||
| Q2 25 | $399.8M | $1.3B | ||
| Q1 25 | $351.9M | $1.3B | ||
| Q4 24 | $349.7M | $1.4B | ||
| Q3 24 | $342.3M | $1.3B | ||
| Q2 24 | $321.4M | $1.2B | ||
| Q1 24 | $319.8M | $1.2B |
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 | $51.0M |
| Free Cash FlowOCF − Capex | $35.2M | $50.7M |
| FCF MarginFCF / Revenue | 23.0% | 21.2% |
| Capex IntensityCapex / Revenue | 2.9% | 0.1% |
| Cash ConversionOCF / Net Profit | 5.39× | 4.31× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $138.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $51.0M | ||
| Q3 25 | $10.0M | $46.2M | ||
| Q2 25 | $4.3M | $50.3M | ||
| Q1 25 | $5.6M | $-7.4M | ||
| Q4 24 | $26.7M | $44.0M | ||
| Q3 24 | $12.5M | $18.9M | ||
| Q2 24 | $-4.8M | $-14.0K | ||
| Q1 24 | $8.9M | $24.8M |
| Q4 25 | $35.2M | $50.7M | ||
| Q3 25 | $5.3M | $46.1M | ||
| Q2 25 | $533.0K | $49.3M | ||
| Q1 25 | $292.0K | $-8.1M | ||
| Q4 24 | $21.6M | $43.2M | ||
| Q3 24 | $11.1M | $18.7M | ||
| Q2 24 | $-6.0M | $-122.0K | ||
| Q1 24 | $7.4M | $24.6M |
| Q4 25 | 23.0% | 21.2% | ||
| Q3 25 | 3.8% | 20.5% | ||
| Q2 25 | 0.4% | 22.9% | ||
| Q1 25 | 0.2% | -3.9% | ||
| Q4 24 | 17.3% | 21.6% | ||
| Q3 24 | 8.9% | 10.1% | ||
| Q2 24 | -5.0% | -0.1% | ||
| Q1 24 | 6.6% | 14.0% |
| Q4 25 | 2.9% | 0.1% | ||
| Q3 25 | 3.4% | 0.0% | ||
| Q2 25 | 2.9% | 0.5% | ||
| Q1 25 | 4.3% | 0.4% | ||
| Q4 24 | 4.0% | 0.4% | ||
| Q3 24 | 1.2% | 0.1% | ||
| Q2 24 | 1.0% | 0.1% | ||
| Q1 24 | 1.3% | 0.1% |
| Q4 25 | 5.39× | 4.31× | ||
| Q3 25 | 4.32× | 16.57× | ||
| 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
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
WK
| License And Service | $219.3M | 92% |
| XBRL Professional Services | $16.4M | 7% |
| Other Services | $3.2M | 1% |
