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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
CPI Card Group
CPI Card Group (PMTS) investor relations material
CPI Card Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
Q3 revenue reached a record $158.4M, up 14.8% YoY; net income rose to $5.0M from $2.3M, Adjusted EBITDA increased 17.2% to $27.5M, and diluted EPS was $0.41 vs. $0.19.
Double-digit YoY growth across all three segments reflected contactless demand, Prepaid growth, and expansion in Integrated Paytech.
FY26 revenue growth and Free Cash Flow guidance were raised for the second consecutive quarter; Adjusted EBITDA growth guidance was reaffirmed.
Financial highlights
Q3 gross profit rose 22.6% to $50.3M; gross margin expanded 200 bps to 31.7% from 29.7%.
Q3 operating income increased 20.3% to $15.7M; SG&A rose 23.7% to $34.6M, driven by business investments and acquisition and integration costs.
Nine-month revenue reached a record $454.6M, up 16.4% reported and 14.3% adjusted for the 2025 accounting change; Adjusted EBITDA was a record $74.7M, up 11.3%.
Nine-month net income was $9.1M, up 19.9%, with diluted EPS of $0.76 vs. $0.64; results included $7.1M of acquisition and integration costs.
Outlook and guidance
FY26 revenue growth guidance rose to low double digits from high-single- to low-double-digit growth; Free Cash Flow guidance increased to $50M–$55M from $45M–$50M.
Adjusted EBITDA growth guidance remains low to mid-single digits; year-end Net Leverage Ratio is expected toward the low end of 2.5x–3.0x.
Q4 Integrated Paytech revenue growth is expected to more than double Q3's rate, supported by Card@Once, TRISM and easier YoY comparisons.
Q4 Prepaid revenue is expected near $20M as ordering normalizes after strong seasonal holiday volumes.
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Latest events from CPI Card Group
- Q2 2026 revenue up 15%, record free cash flow, and raised guidance for growth and profitability.PMTS
Q2 2026 - All director nominees, auditor ratification, and executive compensation were approved.PMTSAGM 2026
- Q1 2026 revenue up 20% to $147.1M, but net income down 57% from integration costs.PMTSQ1 2026
- Board recommends re-electing directors, ratifying KPMG, and approving executive compensation.PMTSProxy filing
- Key votes include director elections, auditor ratification, and executive pay approval.PMTSProxy filing
- Record Q4 revenue and robust 2025 growth set stage for continued expansion in 2026.PMTSQ4 2025
- Q2 2024 net sales up 3–3.4% to $118.8M; outlook raised, debt refinanced, and margins pressured.PMTSQ2 2024
- Q1 2025 net sales up 10%, net income down 12%, Arroweye expands digital card solutions.PMTSQ1 2025
- Q4 net sales up 22% and net income up 148%; 2025 outlook projects further growth.PMTSQ4 2024
Next CPI Card Group earnings date
Q4 20264 Mar, 2027
CPI Card Group
Next CPI Card Group earnings date
Q4 20264 Mar, 2027
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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.