Why did PMTS's earnings growth slow in Q4?

CPI Card Group Inc. (PMTS) experienced a slowdown in earnings growth in Q4 2024 due to several factors: 1. **Refinancing Costs**: The company's net income was impacted by $8.8 million in debt refinancing costs. This indicates that the expenses related to refinancing had a significant negative effect on the net income, leading to a slowdown in earnings growth. 2. **Strategic Initiatives**: While CPI Card Group has reported strong financial performance in other quarters, the specific factors contributing to the Q4 slowdown are not detailed in the available reports. However, it is clear that the company's strategic initiatives, which are likely to be impacting financial results, are not yet providing the same level of growth as in previous quarters. In summary, the slowdown in PMTS's earnings growth in Q4 2024 is primarily due to refinancing costs. Despite this, the company's strong financial performance in other quarters suggests that these costs may be a one-time impact, and the company's strategic initiatives continue to show promise for future growth.