COMP <GO>
PMTS vs CRE // EV/EBITDA & P/E VALUATION
CPI Card Group Inc. (NASDAQ) VS. Cre8 Enterprise Limited (Class A) (NASDAQ) • 15-METRIC TALLY: PMTS 4
— CRE 6
▲ EV/EBITDA & P/E VALUATION LEADER: CRE
LAST: $26.23 (+2.14%) • MKT CAP: $304.1M
valuation
8.1x
LAST: $2.56 (+4.06%) • MKT CAP: $5.2M
valuation
3.1x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PMTS VS. CRE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PMTS | CRE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 31.30% | 41.90% | -10.60 | CRE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.50% | 85.00% | -67.50 | CRE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 8.1x | 3.1x | +5.00 | CRE | /valuation <GO> |
| Free Cash Flow Yield | 13.59% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 10.10% | 4.50% | +5.60 | PMTS | /operating-margins <GO> |
| Net Profit Margin | 2.80% | 4.00% | -1.20 | CRE | /net-margins <GO> |
| Revenue Growth (YoY) | 13.10% | 25.90% | -12.80 | CRE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 2.88 | 2.12 | +0.76 | PMTS | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.4 | 42.1 | +10.28 | PMTS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.1x | 6.4x | +10.70 | CRE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $304.1M | $5.2M | $298.9M | PMTS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PMTS REV | CRE REV | PMTS GROSS % | CRE GROSS % | PMTS FCF | CRE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $543.5M | $16.8M | 31.3% | 41.9% | $41.3M | $1.4M |
| FY 2024 | $480.6M | $13.4M | 35.6% | 40.8% | $34.1M | $881.4K |
| FY 2023 | $444.5M | — | — | — | $34.0M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PMTS // BETA —
CRE // BETA —