文章核心观点 - PMTS公司的50日移动平均线最近已经突破了200日移动平均线,形成了"黄金交叉"信号,这通常被视为一个看涨信号 [1][2] - PMTS公司最近4周的股价上涨了45.9%,并且在Zacks排名中也被评为2号(买入) [3] - PMTS公司当前季度的盈利预期也有所改善,过去60天内有2次上调而没有下调,Zacks共识预测也有所上升 [4] 根据相关目录分别进行总结 黄金交叉信号 - 黄金交叉是一种技术图表模式,指一只股票的短期移动平均线(如50日线)突破了其长期移动平均线(如200日线) [1][2] - 这通常被视为一个看涨信号,意味着股票可能会出现突破性上涨 [1][2] 股价表现 - PMTS公司最近4周的股价上涨了45.9% [3] - 这可能意味着公司股价即将出现进一步突破 [3] 盈利预期 - PMTS公司当前季度的盈利预期有所改善,过去60天内有2次上调而没有下调 [4] - Zacks共识预测也有所上升,这进一步增强了看涨的预期 [4]

Conference Call Participants Welcome to CPI Card Group's First Quarter 2024 Earnings Call. My name is Catherine, I will be your operator today. [Operator Instructions] Thanks, operator, and good morning, everyone. Welcome to the CPI Card Group first quarter 2024 earnings webcast and conference call. Today's date is May 7, 2024. And on the call today from CPI Card Group are John Lowe, President and Chief Executive Officer; and Jeff Hochstadt, Chief Financial Officer. Copies of today's press release as well a ...

业绩总结 - Q1净销售额下降7%，为1.119亿美元[11] - Q1净利润下降50%，为550万美元[11] - Q1调整后EBITDA下降8%，为2300万美元[11] - Q1毛利率从35.7%增至37.1%[11] - Q1经营活动现金流为890万美元[11] - Q1自由现金流为740万美元[11] - 净销售额主要受到借记卡和信用卡业务减少的影响，部分抵消了预付卡和其他服务业务的强劲增长[12] - 毛利率增长主要来自预付卡、即时发行和其他卡片个性化服务的增长[12] - 调整后EBITDA下降主要受到销售减少的影响[12] 未来展望 - 预计2024年净销售额和调整后的EBITDA略有增加，自由现金流约为2013年水平的一半[15] - 公司重点发展美国的信用卡业务，业务的长期增长趋势保持不变[15] - 第一季度业绩较上一季度有所改善，全年净销售额和调整后的EBITDA展望得到确认[16] 财务状况 - 现金余额为17.1亿美元，可用流动资金为92亿美元[14] - 调整后的EBITDA为87.4亿美元，净杠杆率为3.1倍[14] - 调整后的EBITDA为23.0亿美元，调整后的EBITDA利润率为20.5%[18] - LTM调整后的EBITDA为87.4亿美元[21] - 自由现金流为7.4亿美元[22] - 净杠杆率为3.1倍[23]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934 For the Quarterly Period Ended March 31, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission File Number: 001-37584 CPI Card Group Inc. (Exact name of the registrant as specified in its charter) Delaware 26-0344657 ...

Exhibit 99.1 CPI Card Group Inc. Reports First Quarter 2024 Results Date: May 7, 2024 Net Sales Decreased 7% to $112 Million; Net Income Decreased 50% to $5 Million; Adjusted EBITDA Decreased 8% to $23 Million Net Sales, Net Income, and Adjusted EBITDA Increased from Fourth Quarter Levels Company Continues to Anticipate Gradual Market Recovery in 2024; Affirms Full Year Net Sales and Adjusted EBITDA Outlook Littleton, CO. May 7, 2024 -- CPI Card Group Inc. (Nasdaq: PMTS) (“CPI” or the “Company”), a payments ...

财务数据和关键指标变化 - 2023年全年净销售额下降7%,净利润下降34%,调整后EBITDA下降8% [47][48] - 2023年第四季度净销售额下降19%,净利润下降78%,调整后EBITDA下降27% [47][48][55] - 销售下降主要是由于客户谨慎消费和库存调整 [18][19][47][48] - 毛利率从2022年的36.9%下降至2023年的35.0%,主要受销售下降和原材料成本上升的影响 [58][59] 各条业务线数据和关键指标变化 - 借记卡和信用卡业务2023年全年销售下降8%,主要是生态卡销售大幅下降,部分被其他接触式卡销量增加所抵消 [57][58] - 预付费业务2023年全年销售下降2% [57] - 2023年全年接触式卡(包括生态卡)占公司销售卡总量的80%以上,较2022年的75%有所提升 [58] - 即时发卡业务2023年全年销售增长,主要是交易处理费增加 [58] 各个市场数据和关键指标变化 - 美国支付卡市场整体保持健康增长,过去3年复合年增长率达10% [38] - 接触式卡渗透率从2022年末的50%-60%提升至2023年末的60%-70% [40] - 生态卡和接触式卡需求持续强劲,大型发卡机构已开始向此转型,公司正努力将此推广至中小型发卡机构 [99] 公司战略和发展方向及行业竞争 - 公司将继续专注于现有业务组合,同时拓展新的增长领域,如数字推送发卡等 [24][25][27][28] - 公司正投资建设新的印卡生产设施,提升产能和效率 [42][43] - 公司正加强与银行核心系统和处理商的技术集成,为客户提供更多增值服务 [29][30][31][32][34] - 公司看好中长期市场增长前景,将继续投资以推动业务发展 [37][42] 管理层对经营环境和未来前景的评论 - 2023年整体环境充满挑战,客户谨慎消费和库存调整导致销售下滑 [18][19] - 预计2024年上半年销售仍将下滑,下半年将逐步恢复增长 [19][69] - 长期来看,公司有信心通过现有业务组合和新兴业务拓展实现增长 [24][25][37] 其他重要信息 - 2023年自由现金流增加一倍至2760万美元,主要得益于营运资金改善和资本支出管控 [64][65] - 公司启动了2000万美元的股票回购计划,截至2月已完成超过400万美元的回购 [67][68] - 2024年资本支出将增加,主要用于新印卡设施建设,预计2024-2025年现金流影响约1300万美元 [71][72] 问答环节重要的提问和回答 问题1 **Jaeson Schmidt 提问** 是否看到客户有任何订单取消或延迟的情况 [81] **John Lowe 回答** 没有看到订单取消,主要是客户谨慎消费和库存调整 [82] 问题2 **Jaeson Schmidt 提问** 关于拓展新业务,今年是学习市场还是会有实质性进展 [83] **John Lowe 回答** 今年不会对财务有太大影响,但长期来看会是一个重要的增长领域,如数字推送发卡 [84][85] 问题3 **Jaeson Schmidt 提问** 数字推送发卡是否会带来额外收费 [86] **John Lowe 回答** 是的,每次客户将卡信息推送到钱包,公司都会收取一定的处理费用 [87]

Form 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 OR Table of Contents (Exact name of the registrant as specified in its charter) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File Number 001-37584 CPI Card Group Inc. (Address of principal exec ...

Exhibit 99.1 CPI Card Group Inc. Reports Fourth Quarter and Full Year 2023 Results Date: March 7, 2024 Fourth Quarter Sales Affected by Cautious Customer Spending as Expected; Fourth Quarter Net Sales Decreased 19%; Net Income Decreased 78%; Adjusted EBITDA Decreased 27% Full Year Net Sales Decreased 7% to $445 Million; Net Income Decreased 34% to $24 Million; Adjusted EBITDA Decreased 8% to $89 Million Company Anticipates Gradual Market Recovery in 2024; Financial Outlook Projects Company to Return to Sale ...

Mike Salop - Head, IR Scott Scheirman - President and CEO John Lowe - EVP, End-to-End Payment Solutions Jeff Hochstadt - CFO Operator Mike Salop For discussion of such risks and uncertainties, please see CPI Card Group's most recent filings with the SEC. All forward-looking statements made today reflect our current expectations only, and we undertake no obligation to update any statements to reflect the events that occur after this call. Scott Scheirman We will start on Slide 4. As we stated in our second q ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934 For the Quarterly Period Ended September 30, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to | Title of each class | Trading Symbol(s) | Name of each exchange on which registered | | --- | --- | --- | | Common Stock, $0.00 ...