Which has the lower trailing P/E, FRAF or PMTS?

FRAF has the lower trailing P/E: FRAF trades at 11.51 and PMTS at 21.48. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FRAF or PMTS?

Over the past five years, FRAF grew revenue faster — FRAF at a 17.02% CAGR versus PMTS at 10.96%.

Does FRAF or PMTS pay a bigger dividend?

FRAF pays a dividend (2.13% yield), while PMTS is a former payer with no current dividend run rate.

Is FRAF or PMTS more profitable?

FRAF runs the higher net margin — FRAF at 18.24% versus PMTS at 2.34%.

How have FRAF and PMTS total returns compared?

Over the past 10 years, FRAF delivered 13.94% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Franklin Financial Services Corporation (FRAF) vs CPI Card Group Inc. (PMTS)

A side-by-side comparison of Franklin Financial Services Corporation and CPI Card Group Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FRAF

Franklin Financial Services Corporation

$284M

$63.21Financial ServicesDelayed quote: Oct 6, 2026, 2:59 PM EDT

PMTS

CPI Card Group Inc.

$283M

$24.70Financial ServicesDelayed quote: Oct 6, 2026, 2:54 PM EDT

Total return — FRAF vs PMTS

growth of $100 · dividends reinvested · last 10y

FRAF +268.7% (+13.9%/yr)PMTS -16.2% (-1.8%/yr)FRAF compounded faster over this window

FRAF PMTS

FRAF vs PMTS: by the numbers

•FRAF is the larger company ($284M vs $283M market cap).
•FRAF trades at the lower trailing earnings multiple (11.51 vs 21.48 P/E), one valuation lens rather than an overall verdict.
•FRAF converts more revenue to profit (18.24% vs 2.34% net margin).
•FRAF grew revenue faster over the past five years (17.02% vs 10.96% CAGR).
•FRAF pays a dividend (2.13% yield), while PMTS is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	FRAF	PMTS
P/E ratio	11.51	21.48
Forward P/E	10.91	8.27
PEG ratio	1.14	N/A
P/S ratio	2.10	0.48
P/B ratio	1.54	N/A
EV / EBITDA	N/A	6.92
FCF yield	N/A	27.01%

Profitability

Metric	FRAF	PMTS
Gross margin	N/A	30.97%
Operating margin	22.72%	9.22%
Net margin	18.24%	2.34%
ROE	13.41%	N/A
ROIC	N/A	11.81%

Franklin Financial Services Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FRAF	PMTS
Dividend yield	2.13%	N/A
Payout ratio	24.41%	N/A

Growth (annualized)

Metric	FRAF	PMTS
Revenue CAGR (5Y)	17.02%	10.96%
EPS CAGR (5Y)	10.03%	-1.73%
FCF CAGR (5Y)	N/A	26.55%
Total return CAGR (5Y)	18.89%	-4.16%

Frequently asked

Which has the lower trailing P/E, FRAF or PMTS?: FRAF has the lower trailing P/E: FRAF trades at 11.51 and PMTS at 21.48. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FRAF or PMTS?: Over the past five years, FRAF grew revenue faster — FRAF at a 17.02% CAGR versus PMTS at 10.96%.
Does FRAF or PMTS pay a bigger dividend?: FRAF pays a dividend (2.13% yield), while PMTS is a former payer with no current dividend run rate.
Is FRAF or PMTS more profitable?: FRAF runs the higher net margin — FRAF at 18.24% versus PMTS at 2.34%.
How have FRAF and PMTS total returns compared?: Over the past 10 years, FRAF delivered 13.94% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FRAF analysis Full PMTS analysis Interactive comparison tool

Dig into the metrics

Franklin Financial Services P/E ratio CPI Card P/E ratio Franklin Financial Services dividend yield Franklin Financial Services ROE CPI Card ROE Franklin Financial Services operating margin CPI Card operating margin Franklin Financial Services revenue growth CPI Card revenue growth CPI Card free cash flow

Franklin Financial Services & CPI Card appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.