COMP <GO>
PMTS vs MA // REVENUE GROWTH (YOY)
CPI Card Group Inc. (NASDAQ) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: PMTS 3
— MA 9
▲ REVENUE GROWTH (YOY) LEADER: MA
LAST: $26.15 (-0.30%) • MKT CAP: $304.1M
revenue-growth
13.10%
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
revenue-growth
16.40%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PMTS VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PMTS | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 31.30% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.50% | 33.50% | -16.00 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 8.1x | 29.2x | -21.10 | PMTS | /valuation <GO> |
| Free Cash Flow Yield | 13.59% | 3.08% | +10.51 | PMTS | /fcf-yield <GO> |
| Operating Margin | 10.10% | 57.60% | -47.50 | MA | /operating-margins <GO> |
| Net Profit Margin | 2.80% | 45.60% | -42.80 | MA | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 13.10% | 16.40% | -3.30 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 2.88 | 11.17 | -8.29 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | MA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.0 | 68.8 | -15.80 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.1x | 31.2x | -14.10 | PMTS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $304.1M | $556.88B | -$556.58B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PMTS REV | MA REV | PMTS GROSS % | MA GROSS % | PMTS FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $543.5M | $32.79B | 31.3% | — | $41.3M | $17.16B |
| FY 2024 | $480.6M | $28.17B | 35.6% | — | $34.1M | $14.31B |
| FY 2023 | $444.5M | $25.10B | — | — | $34.0M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PMTS // BETA —
MA // BETA 0.90