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Sep 30, 2023

CPI Card Group Q3 2023 Earnings Report

Third quarter net sales decreased, net income and Adjusted EBITDA also decreased due to cautious customer spending and inventory rationalization.

Key Takeaways

CPI Card Group Inc. reported a decrease in third quarter sales and earnings compared to the previous year. Net sales decreased by 15% to $105.9 million, net income decreased by 68% to $3.9 million, and Adjusted EBITDA decreased by 25% to $21.2 million. The company updated its full year outlook for 2023, projecting mid-single digit declines for both net sales and Adjusted EBITDA.

Third quarter net sales decreased 15% year-over-year to $105.9 million.

Net income decreased 68% to $3.9 million, resulting in diluted earnings per share of $0.33.

Adjusted EBITDA decreased 25% to $21.2 million.

The Board of Directors approved a $20 million share repurchase authorization, expiring December 31, 2024.

Total Revenue
$106M
Previous year: $125M
-15.0%
EPS
$0.33
Previous year: $1.01
-67.3%
Gross Profit
$36.2M
Previous year: $48.4M
-25.3%
Cash and Equivalents
$10.5M
Previous year: $21.5M
-51.3%
Free Cash Flow
$12.5M
Previous year: $13.6M
-8.4%
Total Assets
$292M
Previous year: $305M
-4.2%

CPI Card Group

CPI Card Group

CPI Card Group Revenue by Segment

Forward Guidance

The Company expects fourth quarter sales and Adjusted EBITDA to be similar to the third quarter levels as customer demand remains lower than anticipated and new sales initiatives are not expected to significantly impact the current year. As a result, the Company’s updated full year outlook for 2023 projects mid-single digit declines for both net sales and Adjusted EBITDA, with Free Cash Flow projected to be approximately double the 2022 level.

Revenue & Expenses

Visualization of income flow from segment revenue to net income