CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
NASDAQ:CPSS - Nasdaq - US2105021008 - Common Stock - Currency: USD
CPSS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. Both the profitability and financial health of CPSS have multiple concerns. CPSS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
CPSS had positive earnings in the past year.
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
With a Return On Assets value of 0.53%, CPSS is not doing good in the industry: 63.46% of the companies in the same industry are doing better.
CPSS has a worse Return On Equity (6.47%) than 61.54% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.16%, CPSS is in line with its industry, outperforming 40.38% of the companies in the same industry.
CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This is significantly below the industry average of 10.31%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 6.47% | ||
| ROIC | 0.16% |
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 worse Profit Margin (4.96%) than 69.23% of its industry peers.
In the last couple of years the Profit Margin of CPSS has grown nicely.
With a Operating Margin value of 2.10%, CPSS is not doing good in the industry: 63.46% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of CPSS has declined.
CPSS's Gross Margin of 47.52% is in line compared to the rest of the industry. CPSS outperforms 44.23% of its industry peers.
In the last couple of years the Gross Margin of CPSS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.1% | ||
| PM (TTM) | 4.96% | ||
| GM | 47.52% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CPSS is destroying value.
The number of shares outstanding for CPSS has been increased compared to 1 year ago.
CPSS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CPSS has a worse debt to assets ratio.
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.
With a Altman-Z score value of 0.24, CPSS perfoms like the industry average, outperforming 40.38% of the companies in the same industry.
CPSS has a debt to FCF ratio of 12.99. This is a negative value and a sign of low solvency as CPSS would need 12.99 years to pay back of all of its debts.
CPSS has a Debt to FCF ratio (12.99) which is comparable to the rest of the industry.
A Debt/Equity ratio of 11.06 is on the high side and indicates that CPSS has dependencies on debt financing.
CPSS has a worse Debt to Equity ratio (11.06) than 86.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.06 | ||
| Debt/FCF | 12.99 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.03
WACC5.31%
2.3 Liquidity
A Current Ratio of 0.44 indicates that CPSS may have some problems paying its short term obligations.
CPSS's Current ratio of 0.44 is on the low side compared to the rest of the industry. CPSS is outperformed by 67.31% of its industry peers.
A Quick Ratio of 0.44 indicates that CPSS may have some problems paying its short term obligations.
CPSS has a worse Quick ratio (0.44) than 67.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.44 | ||
| Quick Ratio | 0.44 |
3. Growth
3.1 Past
CPSS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.54%.
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 13.21%.
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)-44.54%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%3.43%
Revenue 1Y (TTM)13.21%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%23.21%
3.2 Future
The Earnings Per Share is expected to grow by 69.77% on average over the next years. This is a very strong growth
Based on estimates for the next years, CPSS will show a quite strong growth in Revenue. The Revenue will grow by 16.56% on average per year.
EPS Next Y37.65%
EPS Next 2Y69.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.91%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 12.51, CPSS is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
CPSS is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
CPSS is valuated cheaply with a Price/Forward Earnings ratio of 4.01.
Based on the Price/Forward Earnings ratio, CPSS is valued cheaper than 92.31% of the companies in the same industry.
CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.51 | ||
| Fwd PE | 4.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than the industry average as 63.46% of the companies are valued more cheaply.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 92.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.85 | ||
| EV/EBITDA | 384.3 |
4.3 Compensation for Growth
CPSS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CPSS's earnings are expected to grow with 69.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)0.43
EPS Next 2Y69.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:CPSS (7/3/2025, 7:13:53 PM)
10.01
-0.09 (-0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.89%
Inst Owner Change-1.94%
Ins Owners31.91%
Ins Owner Change4.84%
Market Cap215.82M
Analysts85.71
Price Target15.3 (52.85%)
Short Float %2.97%
Short Ratio15.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-30.83%
Min EPS beat(2)-37.91%
Max EPS beat(2)-23.75%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)1
Avg Revenue beat(2)-1.95%
Min Revenue beat(2)-4.74%
Max Revenue beat(2)0.85%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-16.67%
PT rev (3m)-16.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-56.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.51 | ||
| Fwd PE | 4.01 | ||
| P/S | 0.55 | ||
| P/FCF | 0.85 | ||
| P/OCF | 0.85 | ||
| P/B | 0.72 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | 384.3 |
EPS(TTM)0.8
EY7.99%
EPS(NY)2.5
Fwd EY24.97%
FCF(TTM)11.79
FCFY117.75%
OCF(TTM)11.82
OCFY118.12%
SpS18.05
BVpS13.84
TBVpS13.84
PEG (NY)0.33
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 6.47% | ||
| ROCE | 0.23% | ||
| ROIC | 0.16% | ||
| ROICexc | 0.17% | ||
| ROICexgc | 0.17% | ||
| OM | 2.1% | ||
| PM (TTM) | 4.96% | ||
| GM | 47.52% | ||
| FCFM | 65.3% |
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%
ROICexcg growth 3Y-61.84%
ROICexcg 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 | 11.06 | ||
| Debt/FCF | 12.99 | ||
| Debt/EBITDA | 363.8 | ||
| Cap/Depr | 88.5% | ||
| Cap/Sales | 0.2% | ||
| Interest Coverage | 0.04 | ||
| Cash Conversion | 2809.94% | ||
| Profit Quality | 1316.23% | ||
| Current Ratio | 0.44 | ||
| Quick Ratio | 0.44 | ||
| Altman-Z | 0.24 |
F-Score5
WACC5.31%
ROIC/WACC0.03
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)-44.54%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%3.43%
EPS Next Y37.65%
EPS Next 2Y69.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.21%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%23.21%
Revenue Next Year14.91%
Revenue Next 2Y16.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-74.61%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y20.5%
FCF growth 3Y5.95%
FCF growth 5Y1.55%
OCF growth 1Y19.85%
OCF growth 3Y5.65%
OCF growth 5Y1.52%