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FT vs PMTS

FT
Franklin Universal Trust
BULLISH
Price
$8.14
Market Cap
$204.6M
Sector
Financial Services
AI Confidence
75%
PMTS
CPI Card Group Inc.
BULLISH
Price
$17.89
Market Cap
$205.0M
Sector
Financial Services
AI Confidence
70%

Valuation

P/E Ratio
FT
10.57
PMTS
14.31
Forward P/E
FT
--
PMTS
5.17
P/B Ratio
FT
0.96
PMTS
-11.82
P/S Ratio
FT
13.4
PMTS
0.38
EV/EBITDA
FT
--
PMTS
6.74

Profitability

Gross Margin
FT
100.0%
PMTS
31.29%
Operating Margin
FT
80.09%
PMTS
9.28%
Profit Margin
FT
125.95%
PMTS
2.75%
ROE
FT
9.18%
PMTS
--
ROA
FT
2.94%
PMTS
9.11%

Growth

Revenue Growth
FT
-27.1%
PMTS
22.3%
Earnings Growth
FT
709.9%
PMTS
9.7%

Financial Health

Debt/Equity
FT
0.29
PMTS
--
Current Ratio
FT
6.15
PMTS
2.44
Quick Ratio
FT
6.15
PMTS
1.39

Dividends

Dividend Yield
FT
6.27%
PMTS
--
Payout Ratio
FT
66.23%
PMTS
0.0%

AI Verdict

FT BULLISH

FT exhibits strong fundamental health with a Piotroski F-Score of 7/9 and a very conservative balance sheet (Debt/Equity 0.29). The stock is significantly undervalued, trading at $8.14, which is well below both its Graham Number ($12.11) and estimated Intrinsic Value ($22.71). While the technical trend is bearish and revenue has contracted by 27.1%, the combination of a low P/E (10.57), a P/B under 1.0, and a sustainable 6.27% dividend yield makes it a compelling value play.

Strengths
Strong Piotroski F-Score (7/9) indicating high financial health
Deep value valuation with Price/Book at 0.96 and P/E significantly below sector average
Excellent liquidity with a Current Ratio of 6.15
Risks
Significant YoY revenue decline of 27.10%
Bearish technical trend (10/100) suggesting lack of immediate price momentum
Low insider sentiment (40/100) indicating potential internal caution
PMTS BULLISH

PMTS presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a significant valuation gap between its current price ($17.89) and its intrinsic value ($26.94). While the negative Price/Book ratio indicates a precarious balance sheet with negative equity, the company's strong revenue growth (22.3%) and an exceptionally low Forward P/E of 5.17 suggest a recovery play. Recent short-term price momentum is positive, and analyst targets ($28.25) align with the growth-based intrinsic value. However, the lack of an Altman Z-Score and inconsistent earnings surprises necessitate a cautious approach to financial health.

Strengths
Significant undervaluation with a PEG ratio of 0.57
Strong top-line growth with 22.3% YoY revenue increase
Very low Forward P/E (5.17) compared to sector average (46.11)
Risks
Negative Price/Book ratio (-11.82) indicating negative shareholders' equity
Highly volatile earnings track record with only 1/4 beats in the last year
Bearish long-term technical trend (1Y change of -28.2%)

Compare Another Pair

FT vs PMTS: Head-to-Head Comparison

This page compares Franklin Universal Trust (FT) and CPI Card Group Inc. (PMTS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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