Sprinklr (NYSE:CXM – Get Free Report) and CPI Card Group (NASDAQ:PMTS – Get Free Report) are both small-cap business services companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, dividends, profitability, earnings, analyst recommendations, institutional ownership and valuation.
Risk & Volatility
Sprinklr has a beta of 0.6, meaning that its share price is 40% less volatile than the S&P 500. Comparatively, CPI Card Group has a beta of 1.03, meaning that its share price is 3% more volatile than the S&P 500.
Profitability
This table compares Sprinklr and CPI Card Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Sprinklr | 3.29% | 8.13% | 4.03% |
| CPI Card Group | 2.15% | -92.16% | 4.97% |
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Sprinklr | $871.18 million | 1.57 | $22.91 million | $0.12 | 48.62 |
| CPI Card Group | $567.88 million | 0.39 | $14.95 million | $1.02 | 18.82 |
Sprinklr has higher revenue and earnings than CPI Card Group. CPI Card Group is trading at a lower price-to-earnings ratio than Sprinklr, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
40.2% of Sprinklr shares are owned by institutional investors. Comparatively, 22.1% of CPI Card Group shares are owned by institutional investors. 25.2% of Sprinklr shares are owned by company insiders. Comparatively, 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 stock will outperform the market over the long term.
Analyst Recommendations
This is a summary of recent ratings and price targets for Sprinklr and CPI Card Group, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Sprinklr | 2 | 4 | 2 | 0 | 2.00 |
| CPI Card Group | 0 | 2 | 4 | 0 | 2.67 |
Sprinklr presently has a consensus target price of $7.79, suggesting a potential upside of 33.45%. CPI Card Group has a consensus target price of $27.50, suggesting a potential upside of 43.23%. Given CPI Card Group’s stronger consensus rating and higher probable upside, analysts plainly believe CPI Card Group is more favorable than Sprinklr.
Summary
Sprinklr beats CPI Card Group on 8 of the 14 factors compared between the two stocks.
About Sprinklr
Sprinklr, Inc. provides enterprise cloud software products worldwide. The company operates Unified Customer Experience Management platform, a software that enables customer-facing teams to collaborate across internal silos, communicate across digital channels, and leverage a complete suite of capabilities to deliver customer experiences. Its products include Sprinklr Service, a suite of artificial intelligence (AI) powered products and solutions that unifies customer service across voice, digital, and social channels; Sprinklr Social, a suite of AI-powered products and solutions that unifies social media publishing and engagement across various channels; Sprinklr Insights, a suite of AI-powered products and solutions that unifies consumer, customer, competitive and industry data from a high volume of third-party, second-party and first-party sources; and Sprinklr Marketing, a suite of AI-powered products and solutions that unifies content production and content lifecycle management with paid campaign orchestration across various channels. The company also provides professional, managed, training, and consultancy services. Sprinklr, Inc. was founded in 2009 and is headquartered in New York, New York.
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.
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