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CPI Card Group (PMTS) investor relations material

CPI Card Group Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary8 Aug, 2025

Executive summary

  • Net sales rose 9% year-over-year to $129.8M in Q2 2025, or 15% excluding a one-time accounting change; Arroweye acquisition and debit/credit card growth were key drivers.

  • Net income dropped 91% to $0.5M due to Arroweye acquisition costs, restructuring charges, and higher interest expense; Adjusted EBITDA increased 3% to $22.5M.

  • Margin pressures arose from tariffs, sales mix, and increased production costs, impacting gross margin and profitability.

  • Arroweye contributed ~$10M in net sales in less than two months, exceeding expectations for both sales and profitability.

  • Strategic investments in healthcare payments, closed-loop prepaid, digital solutions, and facility expansion are expanding growth opportunities.

Financial highlights

  • Q2 2025 net sales: $129.8M (up 9% year-over-year; 15% excluding accounting change); six months: $252.5M (up 9%).

  • Q2 2025 net income: $0.5M (down 91% year-over-year); six months: $5.3M (down 54%).

  • Q2 2025 gross profit: $40.1M (down 5% year-over-year); gross margin: 30.9% (down from 35.7%).

  • Adjusted EBITDA grew 3% to $22.5M; margin declined to 17.3% from 18.4%.

  • Free cash flow for H1 2025 was $0.8M, down from $1.4M prior year, due to higher capital spending.

Outlook and guidance

  • 2025 net sales outlook raised to low double-digit to mid-teens growth, reflecting Arroweye acquisition; prior outlook was mid- to high single-digit growth.

  • Adjusted EBITDA outlook unchanged at mid- to high single-digit growth, as Arroweye benefits are offset by tariffs and sales mix.

  • Guidance does not include potential impacts from proposed chip tariffs announced August 6, 2025; company has ample chip inventory.

  • Margin pressures expected to persist in Q3, with improvement anticipated in Q4 as Indiana facility ramps up.

  • Management continues to evaluate pricing and cost-saving measures amid ongoing supply chain and macroeconomic uncertainty.

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Frequently asked questions

CPI Card Group Inc. is a provider of payment card solutions and related services, specializing in financial payment cards and secure card personalization. The company offers products such as debit, credit, and prepaid cards, as well as digital payment solutions. CPI Card Group serves financial institutions, fintech companies, and retailers. The company is headquartered in Littleton, Colorado, and its shares are listed on the NASDAQ.

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