PMTS vs. DUOL

Last updated Jun 4, 2026

PMTS (CPI Card Group Inc.) and DUOL (Duolingo, Inc.) are both stocks. PMTS operates in Credit Services (Financial Services), while DUOL operates in Software - Application (Technology). Over the past 3 years, PMTS returned -15.96%/yr vs -11.69%/yr for DUOL. At a 0.15 correlation, their price movements are largely independent.

Performance

PMTS vs. DUOL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in CPI Card Group Inc. (PMTS) and Duolingo, Inc. (DUOL). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PMTS achieves a 10.42% return, which is significantly higher than DUOL's -38.80% return.

PMTS

• 1D: -3.17%
• 1M: -5.48%
• YTD: 10.42%
• 6M: 14.40%
• 1Y: -28.81%
• 3Y*: -15.96%
• 5Y*: -3.48%
• 10Y*: -2.04%

DUOL

• 1D: -2.32%
• 1M: -2.57%
• YTD: -38.80%
• 6M: -42.05%
• 1Y: -79.08%
• 3Y*: -11.69%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

PMTS vs. DUOL - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
PMTS CPI Card Group Inc.	10.42%	-50.89%	55.76%	-46.81%	94.50%	19.68%
DUOL Duolingo, Inc.	-38.80%	-45.87%	42.93%	218.92%	-32.97%	-23.67%

Correlation

The correlation between PMTS and DUOL is 0.15, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.15
Correlation (3Y) Calculated over the trailing 3-year period	0.18
Correlation (All Time) Calculated using the full available price history since Jul 29, 2021	0.15

Fundamentals

EPS PMTS : $1.24 DUOL : $11.67
PE Ratio PMTS : 13.08 DUOL : 9.20
PEG Ratio PMTS : 1.01 DUOL : 0.02
PS Ratio PMTS : 0.34 DUOL : 3.54
Total Revenue (TTM) PMTS : $567.88M DUOL : $1.10B
Gross Profit (TTM) PMTS : $173.52M DUOL : $798.46M
EBITDA (TTM) PMTS : $69.95M DUOL : $167.30M

Return for Risk

PMTS vs. DUOL — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PMTS

PMTS Risk / Return Rank: 26
PMTS Sharpe Ratio Rank: 25
PMTS Sortino Ratio Rank: 27
PMTS Omega Ratio Rank: 27
PMTS Calmar Ratio Rank: 23
PMTS Martin Ratio Rank: 26

DUOL

DUOL Risk / Return Rank: 3
DUOL Sharpe Ratio Rank: 1
DUOL Sortino Ratio Rank: 1
DUOL Omega Ratio Rank: 1
DUOL Calmar Ratio Rank: 3
DUOL Martin Ratio Rank: 11

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PMTS vs. DUOL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for CPI Card Group Inc. (PMTS) and Duolingo, Inc. (DUOL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	PMTS	DUOL	Difference
Sharpe ratio Return per unit of total volatility	-0.38	-1.27	+0.89
Sortino ratio Return per unit of downside risk	-0.12	-2.70	+2.58
Omega ratio Gain probability vs. loss probability	0.98	0.68	+0.30
Calmar ratio Return relative to maximum drawdown	-0.53	-0.96	+0.43
Martin ratio Return relative to average drawdown	-0.77	-1.30	+0.53
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PMTS vs. DUOL - Sharpe Ratio Comparison

The current PMTS Sharpe Ratio is -0.38, which is higher than the DUOL Sharpe Ratio of -1.27. The chart below compares the historical Sharpe Ratios of PMTS and DUOL, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	PMTS	DUOL	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.38	-1.27	+0.89
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.05	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.02	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.14	-0.08	-0.06

Drawdowns

PMTS vs. DUOL - Drawdown Comparison

The maximum PMTS drawdown since its inception was -99.04%, which is greater than DUOL's maximum drawdown of -83.35%. Use the drawdown chart below to compare losses from any high point for PMTS and DUOL.

Drawdown Indicators

	PMTS	DUOL	Difference
Max Drawdown Largest peak-to-trough decline	-99.04%	-83.35%	-15.69%
Max Drawdown (1Y) Largest decline over 1 year	-55.04%	-82.79%	+27.75%
Max Drawdown (3Y) Largest decline over 3 years	-67.08%	-83.35%	+16.27%
Max Drawdown (5Y) Largest decline over 5 years	-74.92%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-98.09%	—	—
Current Drawdown Current decline from peak	-73.11%	-80.14%	+7.03%
Average Drawdown Average peak-to-trough decline	-72.72%	-35.54%	-37.18%
Ulcer Index Depth and duration of drawdowns from previous peaks	37.26%	60.80%	-23.54%

Volatility

PMTS vs. DUOL - Volatility Comparison

The current volatility for CPI Card Group Inc. (PMTS) is 16.13%, while Duolingo, Inc. (DUOL) has a volatility of 17.63%. This indicates that PMTS experiences smaller price fluctuations and is considered to be less risky than DUOL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PMTS	DUOL	Difference
Volatility (1M) Calculated over the trailing 1-month period	16.13%	17.63%	-1.50%
Volatility (6M) Calculated over the trailing 6-month period	50.95%	41.01%	+9.94%
Volatility (1Y) Calculated over the trailing 1-year period	75.76%	62.36%	+13.40%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	73.39%	66.29%	+7.10%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	83.16%	66.29%	+16.87%

Dividends

PMTS vs. DUOL - Dividend Comparison

Neither PMTS nor DUOL has paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DUOL Duolingo, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
PMTS CPI Card Group Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.26%	4.34%

Financials

PMTS vs. DUOL - Profitability Comparison

The chart below illustrates the profitability comparison between CPI Card Group Inc. and Duolingo, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PMTS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, CPI Card Group Inc. reported a gross profit of 44.12M and revenue of 147.11M. Therefore, the gross margin over that period was 30.0%.

DUOL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported a gross profit of 213.10M and revenue of 291.97M. Therefore, the gross margin over that period was 73.0%.

PMTS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, CPI Card Group Inc. reported an operating income of 10.99M and revenue of 147.11M, resulting in an operating margin of 7.5%.

DUOL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported an operating income of 44.53M and revenue of 291.97M, resulting in an operating margin of 15.3%.

PMTS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, CPI Card Group Inc. reported a net income of 4.53M and revenue of 147.11M, resulting in a net margin of 3.1%.

DUOL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported a net income of 43.46M and revenue of 291.97M, resulting in a net margin of 14.9%.

Frequently Asked Questions

Can I hold both PMTS and DUOL in my portfolio?

PMTS and DUOL have a correlation of 0.15, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PMTS or DUOL?

DUOL has higher volatility (17.63%) compared to PMTS (16.13%). In terms of maximum drawdown, PMTS dropped -99.04% vs DUOL's -83.35%.

Which has better risk-adjusted returns?

PMTS currently has the higher Sharpe Ratio (-0.38 vs -1.27), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.