9.16 USD
-0.07 (-0.76%)
CPSS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of CPSS have multiple concerns. CPSS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CPSS was profitable.
In the past year CPSS had a positive cash flow from operations.
CPSS had positive earnings in each of the past 5 years.
CPSS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CPSS has a worse Return On Assets (0.51%) than 70.91% of its industry peers.
The Return On Equity of CPSS (6.34%) is worse than 69.09% of its industry peers.
CPSS has a Return On Invested Capital of 0.32%. This is in the lower half of the industry: CPSS underperforms 61.82% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CPSS is significantly below the industry average of 12.42%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.34% | ||
| ROIC | 0.32% |
ROA(3y)1.75%
ROA(5y)1.69%
ROE(3y)20.24%
ROE(5y)20.98%
ROIC(3y)1.36%
ROIC(5y)1.73%
1.3 Margins
CPSS has a Profit Margin of 4.65%. This is in the lower half of the industry: CPSS underperforms 69.09% of its industry peers.
In the last couple of years the Profit Margin of CPSS has grown nicely.
CPSS's Operating Margin of 3.97% is on the low side compared to the rest of the industry. CPSS is outperformed by 61.82% of its industry peers.
CPSS's Operating Margin has declined in the last couple of years.
CPSS has a Gross Margin (46.23%) which is in line with its industry peers.
In the last couple of years the Gross Margin of CPSS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.97% | ||
| PM (TTM) | 4.65% | ||
| GM | 46.23% |
OM growth 3Y-59.4%
OM growth 5Y-8.29%
PM growth 3Y-33.4%
PM growth 5Y26.98%
GM growth 3Y-12.4%
GM growth 5Y-6.49%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CPSS is destroying value.
CPSS has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CPSS has less shares outstanding
CPSS has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.24, we must say that CPSS is in the distress zone and has some risk of bankruptcy.
CPSS has a Altman-Z score (0.24) which is in line with its industry peers.
The Debt to FCF ratio of CPSS is 12.25, which is on the high side as it means it would take CPSS, 12.25 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 12.25, CPSS is in line with its industry, outperforming 60.00% of the companies in the same industry.
CPSS has a Debt/Equity ratio of 11.17. This is a high value indicating a heavy dependency on external financing.
CPSS has a worse Debt to Equity ratio (11.17) than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.25%
2.3 Liquidity
A Current Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
CPSS has a worse Current ratio (0.16) than 72.73% of its industry peers.
A Quick Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
CPSS has a Quick ratio of 0.16. This is in the lower half of the industry: CPSS underperforms 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
The earnings per share for CPSS have decreased by -7.20% in the last year.
CPSS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.11% yearly.
CPSS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.94%.
Measured over the past years, CPSS shows a small growth in Revenue. The Revenue has been growing by 1.50% on average per year.
EPS 1Y (TTM)-7.2%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%0%
Revenue 1Y (TTM)16.94%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%7.8%
3.2 Future
The Earnings Per Share is expected to grow by 30.61% on average over the next years. This is a very strong growth
CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.06% yearly.
EPS Next Y-3.53%
EPS Next 2Y30.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.55%
Revenue Next 2Y11.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.45, the valuation of CPSS can be described as reasonable.
CPSS's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of CPSS to the average of the S&P500 Index (27.19), we can say CPSS is valued rather cheaply.
A Price/Forward Earnings ratio of 6.19 indicates a rather cheap valuation of CPSS.
Based on the Price/Forward Earnings ratio, CPSS is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CPSS to the average of the S&P500 Index (23.92), we can say CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 6.19 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than 63.64% of the companies in the same industry.
98.18% of the companies in the same industry are more expensive than CPSS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.72 | ||
| EV/EBITDA | 206.73 |
4.3 Compensation for Growth
CPSS's earnings are expected to grow with 30.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:CPSS (1/9/2026, 8:00:01 PM)
9.16
-0.07 (-0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.41%
Inst Owner Change0%
Ins Owners30.53%
Ins Owner Change-2.48%
Market Cap202.16M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (55.9%)
Short Float %3.16%
Short Ratio12.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-23.08%
Min EPS beat(2)-24.59%
Max EPS beat(2)-21.57%
EPS beat(4)0
Avg EPS beat(4)-26.95%
Min EPS beat(4)-37.91%
Max EPS beat(4)-21.57%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.25%
Min Revenue beat(2)-4.66%
Max Revenue beat(2)-1.84%
Revenue beat(4)1
Avg Revenue beat(4)-2.6%
Min Revenue beat(4)-4.74%
Max Revenue beat(4)0.85%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-23.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 6.19 | ||
| P/S | 0.48 | ||
| P/FCF | 0.72 | ||
| P/OCF | 0.72 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | 206.73 |
EPS(TTM)0.8
EY8.73%
EPS(NY)1.48
Fwd EY16.15%
FCF(TTM)12.71
FCFY138.77%
OCF(TTM)12.74
OCFY139.12%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.39
Graham Number15.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.34% | ||
| ROCE | 0.44% | ||
| ROIC | 0.32% | ||
| ROICexc | 0.32% | ||
| ROICexgc | 0.32% | ||
| OM | 3.97% | ||
| PM (TTM) | 4.65% | ||
| GM | 46.23% | ||
| FCFM | 66.98% |
ROA(3y)1.75%
ROA(5y)1.69%
ROE(3y)20.24%
ROE(5y)20.98%
ROIC(3y)1.36%
ROIC(5y)1.73%
ROICexc(3y)1.37%
ROICexc(5y)1.74%
ROICexgc(3y)1.38%
ROICexgc(5y)1.76%
ROCE(3y)1.89%
ROCE(5y)2.4%
ROICexgc growth 3Y-61.84%
ROICexgc growth 5Y-12.69%
ROICexc growth 3Y-61.73%
ROICexc growth 5Y-12.61%
OM growth 3Y-59.4%
OM growth 5Y-8.29%
PM growth 3Y-33.4%
PM growth 5Y26.98%
GM growth 3Y-12.4%
GM growth 5Y-6.49%
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Debt/EBITDA | 195.75 | ||
| Cap/Depr | 78.03% | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | 0.08 | ||
| Cash Conversion | 1602.47% | ||
| Profit Quality | 1439.08% | ||
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 | ||
| Altman-Z | 0.24 |
F-Score5
WACC5.25%
ROIC/WACC0.06
Cap/Depr(3y)82.49%
Cap/Depr(5y)73.03%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.34%
Profit Quality(3y)662.42%
Profit Quality(5y)700.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.2%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%0%
EPS Next Y-3.53%
EPS Next 2Y30.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.94%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%7.8%
Revenue Next Year11.55%
Revenue Next 2Y11.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y110.02%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y20.66%
FCF growth 3Y5.95%
FCF growth 5Y1.55%
OCF growth 1Y20.66%
OCF growth 3Y5.65%
OCF growth 5Y1.52%
CONSUMER PORTFOLIO SERVICES / CPSS FAQ
What is the fundamental rating for CPSS stock?
ChartMill assigns a fundamental rating of 3 / 10 to CPSS.
What is the valuation status for CPSS stock?
ChartMill assigns a valuation rating of 6 / 10 to CONSUMER PORTFOLIO SERVICES (CPSS). This can be considered as Fairly Valued.
How profitable is CONSUMER PORTFOLIO SERVICES (CPSS) stock?
CONSUMER PORTFOLIO SERVICES (CPSS) has a profitability rating of 3 / 10.
What are the PE and PB ratios of CONSUMER PORTFOLIO SERVICES (CPSS) stock?
The Price/Earnings (PE) ratio for CONSUMER PORTFOLIO SERVICES (CPSS) is 11.45 and the Price/Book (PB) ratio is 0.66.
What is the expected EPS growth for CONSUMER PORTFOLIO SERVICES (CPSS) stock?
The Earnings per Share (EPS) of CONSUMER PORTFOLIO SERVICES (CPSS) is expected to decline by -3.53% in the next year.