CPI Card Group (NASDAQ:PMTS – Get Free Report) and Ricoh (OTCMKTS:RICOY – Get Free Report) are both technology companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, dividends, earnings, valuation, institutional ownership and risk.
Volatility and Risk
CPI Card Group has a beta of 0.97, indicating that its stock price is 3% less volatile than the S&P 500. Comparatively, Ricoh has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500.
Valuation & Earnings
This table compares CPI Card Group and Ricoh”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CPI Card Group | $543.53 million | 0.60 | $14.95 million | $1.15 | 24.64 |
| Ricoh | $17.33 billion | 0.31 | $367.42 million | $0.94 | 10.16 |
Ricoh has higher revenue and earnings than CPI Card Group. Ricoh is trading at a lower price-to-earnings ratio than CPI Card Group, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
22.1% of CPI Card Group shares are owned by institutional investors. 5.8% of CPI Card Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Profitability
This table compares CPI Card Group and Ricoh’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CPI Card Group | 2.34% | -145.74% | 6.29% |
| Ricoh | 3.10% | 6.98% | 3.24% |
Analyst Ratings
This is a summary of recent ratings and recommmendations for CPI Card Group and Ricoh, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CPI Card Group | 0 | 2 | 4 | 0 | 2.67 |
| Ricoh | 0 | 0 | 0 | 0 | 0.00 |
CPI Card Group currently has a consensus price target of $30.25, indicating a potential upside of 6.74%. Given CPI Card Group’s stronger consensus rating and higher possible upside, equities analysts plainly believe CPI Card Group is more favorable than Ricoh.
Summary
CPI Card Group beats Ricoh on 10 of the 14 factors compared between the two stocks.
About CPI Card Group
CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid Debit segments. The Debit and Credit segment produces financial payment cards and provides integrated card services to card-issuing financial institutions. Its products include Europay, Mastercard, and Visa (EMV) and non-EMV financial payment cards, including contact and contactless cards, plastic and encased metal cards, and Second Wave payment cards, as well as private label credit cards. This segment also provides on-demand services and various integrated card services, including card personalization and fulfillment, as well as instant issuance services. The Prepaid Debit segment primarily offers integrated card services comprising tamper-evident security packaging services to prepaid debit card providers. It also produces financial payment cards issued on the networks of the payment card brands. It serves issuers of debit and credit cards, Prepaid Debit Card program managers, community banks, credit unions, and group service providers in the United States. The company was formerly known as CPI Holdings I, Inc. and changed its name to CPI Card Group Inc. in August 2015. CPI Card Group Inc. was incorporated in 2007 and is headquartered in Littleton, Colorado.
About Ricoh
Ricoh Company, Ltd. provides office, commercial printing, and related solutions worldwide. It operates through Digital services, Digital Products, Graphic Communications, Industrial Solutions, and Other segments. The company sells multifunctional printers (MFPs), laser printers, digital duplicators, wide format printers, facsimile machines, scanners, personal computers, servers, network equipment, related parts and supplies, services, and support and service and solutions related to documents. It also offers production and OEM services for MFPs, laser printers, digital duplicators, wide format printers, facsimile machine, scanners, network equipment, and related parts and supplies. In addition, the company produces and sells cut sheet printers, continuous feed printers, inkjet heads, imaging systems, industrial printers, related parts and supplies, services, and support and software. Further, it produces and sells thermal paper and media products, industrial optical components/modules, and electronic components and precision mechanical components, as well as offers digital cameras, 360°cameras, and environment and healthcare products. The company was formerly known as Riken Optical Co., Ltd. and changed its name to Ricoh Company, Ltd. in 1963. Ricoh Company, Ltd. was incorporated in 1936 and is headquartered in Tokyo, Japan.
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