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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and XPLR Infrastructure, LP (XIFR). Click either name above to swap in a different company.
XPLR Infrastructure, LP is the larger business by last-quarter revenue ($249.0M vs $153.1M, roughly 1.6× CPI Card Group Inc.). XPLR Infrastructure, LP runs the higher net margin — 11.2% vs 4.8%, a 6.4% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -15.3%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $-88.0M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs -1.6%).
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.
XPLR Infrastructure is a publicly traded subsidiary of NextEra Energy, is a Juno Beach, Florida-based renewable energy company.
PMTS vs XIFR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $249.0M |
| Net Profit | $7.3M | $28.0M |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | -19.3% |
| Net Margin | 4.8% | 11.2% |
| Revenue YoY | 22.3% | -15.3% |
| Net Profit YoY | 8.5% | 124.3% |
| EPS (diluted) | $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 | $153.1M | $249.0M | ||
| Q3 25 | $138.0M | $315.0M | ||
| Q2 25 | $129.8M | $342.0M | ||
| Q1 25 | $122.8M | $282.0M | ||
| Q4 24 | $125.1M | $294.0M | ||
| Q3 24 | $124.8M | $319.0M | ||
| Q2 24 | $118.8M | $360.0M | ||
| Q1 24 | $111.9M | $257.0M |
| Q4 25 | $7.3M | $28.0M | ||
| Q3 25 | $2.3M | $-37.0M | ||
| Q2 25 | $518.0K | $79.0M | ||
| Q1 25 | $4.8M | $-98.0M | ||
| Q4 24 | $6.8M | $-115.0M | ||
| Q3 24 | $1.3M | $-40.0M | ||
| Q2 24 | $6.0M | $62.0M | ||
| Q1 24 | $5.5M | $70.0M |
| 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% | -19.3% | ||
| Q3 25 | 9.4% | 1.6% | ||
| Q2 25 | 7.3% | 26.3% | ||
| Q1 25 | 11.5% | -82.6% | ||
| Q4 24 | 12.7% | -188.1% | ||
| Q3 24 | 14.3% | 15.4% | ||
| Q2 24 | 12.5% | 18.3% | ||
| Q1 24 | 12.6% | -8.2% |
| Q4 25 | 4.8% | 11.2% | ||
| Q3 25 | 1.7% | -11.7% | ||
| Q2 25 | 0.4% | 23.1% | ||
| Q1 25 | 3.9% | -34.8% | ||
| Q4 24 | 5.4% | -39.1% | ||
| Q3 24 | 1.0% | -12.5% | ||
| Q2 24 | 5.1% | 17.2% | ||
| Q1 24 | 4.9% | 27.2% |
| Q4 25 | $0.62 | — | ||
| Q3 25 | $0.19 | $-0.40 | ||
| Q2 25 | $0.04 | $0.84 | ||
| Q1 25 | $0.40 | $-1.05 | ||
| Q4 24 | $0.56 | — | ||
| Q3 24 | $0.11 | $-0.43 | ||
| Q2 24 | $0.51 | $0.66 | ||
| Q1 24 | $0.46 | $0.75 |
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 | $960.0M |
| Total DebtLower is stronger | $286.7M | $6.2B |
| Stockholders' EquityBook value | $-17.3M | $10.9B |
| Total Assets | $403.2M | $19.6B |
| Debt / EquityLower = less leverage | — | 0.57× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $960.0M | ||
| Q3 25 | $16.0M | $711.0M | ||
| Q2 25 | $17.1M | $880.0M | ||
| Q1 25 | $31.5M | $1.5B | ||
| Q4 24 | $33.5M | $283.0M | ||
| Q3 24 | $14.7M | $290.0M | ||
| Q2 24 | $7.5M | $281.0M | ||
| Q1 24 | $17.1M | $245.0M |
| Q4 25 | $286.7M | $6.2B | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | $5.3B | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
| Q4 25 | $-17.3M | $10.9B | ||
| Q3 25 | $-25.7M | $11.0B | ||
| Q2 25 | $-29.0M | $11.3B | ||
| Q1 25 | $-29.7M | $12.6B | ||
| Q4 24 | $-35.6M | $12.9B | ||
| Q3 24 | $-42.8M | $13.6B | ||
| Q2 24 | $-44.6M | $13.9B | ||
| Q1 24 | $-48.5M | $14.0B |
| Q4 25 | $403.2M | $19.6B | ||
| Q3 25 | $407.1M | $19.1B | ||
| Q2 25 | $399.8M | $20.5B | ||
| Q1 25 | $351.9M | $21.4B | ||
| Q4 24 | $349.7M | $20.3B | ||
| Q3 24 | $342.3M | $20.9B | ||
| Q2 24 | $321.4M | $21.7B | ||
| Q1 24 | $319.8M | $22.3B |
| Q4 25 | — | 0.57× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.41× | ||
| 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 | $39.6M | $186.0M |
| Free Cash FlowOCF − Capex | $35.2M | $-88.0M |
| FCF MarginFCF / Revenue | 23.0% | -35.3% |
| Capex IntensityCapex / Revenue | 2.9% | 110.0% |
| Cash ConversionOCF / Net Profit | 5.39× | 6.64× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $-219.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $186.0M | ||
| Q3 25 | $10.0M | $231.0M | ||
| Q2 25 | $4.3M | $232.0M | ||
| Q1 25 | $5.6M | $90.0M | ||
| Q4 24 | $26.7M | $283.0M | ||
| Q3 24 | $12.5M | $208.0M | ||
| Q2 24 | $-4.8M | $231.0M | ||
| Q1 24 | $8.9M | $78.0M |
| Q4 25 | $35.2M | $-88.0M | ||
| Q3 25 | $5.3M | $-283.0M | ||
| Q2 25 | $533.0K | $151.0M | ||
| Q1 25 | $292.0K | $1.0M | ||
| Q4 24 | $21.6M | $231.0M | ||
| Q3 24 | $11.1M | $152.0M | ||
| Q2 24 | $-6.0M | $162.0M | ||
| Q1 24 | $7.4M | $14.0M |
| Q4 25 | 23.0% | -35.3% | ||
| Q3 25 | 3.8% | -89.8% | ||
| Q2 25 | 0.4% | 44.2% | ||
| Q1 25 | 0.2% | 0.4% | ||
| Q4 24 | 17.3% | 78.6% | ||
| Q3 24 | 8.9% | 47.6% | ||
| Q2 24 | -5.0% | 45.0% | ||
| Q1 24 | 6.6% | 5.4% |
| Q4 25 | 2.9% | 110.0% | ||
| Q3 25 | 3.4% | 163.2% | ||
| Q2 25 | 2.9% | 23.7% | ||
| Q1 25 | 4.3% | 31.6% | ||
| Q4 24 | 4.0% | 17.7% | ||
| Q3 24 | 1.2% | 17.6% | ||
| Q2 24 | 1.0% | 19.2% | ||
| Q1 24 | 1.3% | 24.9% |
| Q4 25 | 5.39× | 6.64× | ||
| Q3 25 | 4.32× | — | ||
| Q2 25 | 8.39× | 2.94× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | — | ||
| Q2 24 | -0.79× | 3.73× | ||
| Q1 24 | 1.63× | 1.11× |
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% |
XIFR
| Renewable Energy Sales | $238.0M | 96% |
| Related Party | $8.0M | 3% |
