PMTS vs. DUOL
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 5 years, PMTS returned 6.61%/yr vs -0.79%/yr for DUOL. Their 0.15 correlation means their historical movements had little consistent relationship.
Performance
PMTS vs. DUOL - Performance Comparison
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Returns By Period
In the year-to-date period, PMTS achieves a 43.53% return, which is significantly higher than DUOL's -23.19% return.
PMTS
- 1D
- 2.38%
- 1M
- 3.39%
- 6M
- 62.20%
- YTD
- 43.53%
- 1Y
- 12.40%
- 3Y*
- -4.84%
- 5Y*
- 6.61%
- 10Y*
- -0.38%
- ALL TIME*
- -7.94%
DUOL
- 1D
- 0.91%
- 1M
- 7.20%
- 6M
- 0.56%
- YTD
- -23.19%
- 1Y
- -60.23%
- 3Y*
- -3.98%
- 5Y*
- -0.79%
- 10Y*
- —
- ALL TIME*
- -0.95%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
DUOL Duolingo, Inc. | $135.82M | $130.76M | $177.13M |
| $635.37K | $665.54K | $816.36K |
PMTS vs. DUOL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
PMTS CPI Card Group Inc. | 43.53% | -50.89% | 55.76% | -46.81% | 94.50% | 18.15% |
DUOL Duolingo, Inc. | -23.19% | -45.87% | 42.93% | 218.92% | -32.97% | -24.96% |
Correlation
The correlation between PMTS and DUOL is 0.18, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.18 |
Correlation (3Y) Balances recent behavior with more history. | 0.19 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.15 |
Correlation (All Time) Calculated using the full available price history since Jul 28, 2021 | 0.15 |
Fundamentals
PMTS:
$241.79M
DUOL:
$6.28B
PMTS:
$1.24
DUOL:
$13.23
PMTS:
16.98
DUOL:
10.19
PMTS:
1.31
DUOL:
0.02
PMTS:
0.44
DUOL:
3.92
PMTS:
$567.88M
DUOL:
$1.10B
PMTS:
$173.52M
DUOL:
$798.46M
PMTS:
$69.95M
DUOL:
$167.30M
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Return for Risk
PMTS vs. DUOL — Risk / Return Rank
PMTS
DUOL
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PMTS | DUOL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.05 | ||
| Sortino ratioReturn per unit of downside risk | +2.19 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 0.83 | +0.28 |
| Calmar ratioReturn relative to maximum drawdown | 0.22 | -0.80 | +1.01 |
| Martin ratioReturn relative to average drawdown | 0.43 | -1.06 | +1.49 |
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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.
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Drawdown Indicators
| PMTS | DUOL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -99.04% | -83.35% | -15.69% |
Max Drawdown (1Y)Largest decline over 1 year | -39.77% | -76.96% | +37.19% |
Max Drawdown (3Y)Largest decline over 3 years | -67.08% | -83.35% | +16.27% |
Max Drawdown (5Y)Largest decline over 5 years | -74.92% | -83.35% | +8.43% |
Max Drawdown (10Y)Largest decline over 10 years | -98.09% | — | — |
Current DrawdownCurrent decline from peak | -65.04% | -75.07% | +10.03% |
Average DrawdownAverage peak-to-trough decline | -72.62% | -36.82% | -35.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 22.07% | 57.85% | -35.78% |
Volatility
PMTS vs. DUOL - Volatility Comparison
The current volatility for CPI Card Group Inc. (PMTS) is 12.72%, while Duolingo, Inc. (DUOL) has a volatility of 18.21%. 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.
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Volatility by Period
| PMTS | DUOL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.72% | 18.21% | -5.49% |
Volatility (6M)Calculated over the trailing 6-month period | 50.33% | 43.82% | +6.51% |
Volatility (1Y)Calculated over the trailing 1-year period | 77.13% | 65.41% | +11.72% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 73.62% | 66.14% | +7.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 83.22% | 66.11% | +17.11% |
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 - Financials Comparison
This section allows you to compare key financial metrics between CPI Card Group Inc. and Duolingo, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PMTS vs. DUOL - Profitability Comparison
PMTS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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 Aug 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 Aug 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 Aug 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 Aug 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 Aug 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
PMTS and DUOL have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
DUOL has higher volatility (18.21%) compared to PMTS (12.72%). In terms of maximum drawdown, PMTS dropped -99.04% vs DUOL's -83.35%.
PMTS currently has the higher Sharpe Ratio (0.11 vs -0.94), 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.
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