8.83 USD
-0.13 (-1.51%)
8.83 USD
0 (0%)
Taking everything into account, CPSS scores 3 out of 10 in our fundamental rating. CPSS was compared to 55 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
CPSS had positive earnings in the past year.
In the past year CPSS had a positive cash flow from operations.
In the past 5 years CPSS has always been profitable.
Each year in the past 5 years CPSS had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.51%, CPSS is not doing good in the industry: 70.91% of the companies in the same industry are doing better.
The Return On Equity of CPSS (6.34%) is worse than 69.09% of its industry peers.
The Return On Invested Capital of CPSS (0.32%) is worse than 61.82% of its industry peers.
The Average Return On Invested Capital over the past 3 years 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.
The Operating Margin of CPSS (3.97%) is worse than 61.82% of its industry peers.
CPSS's Operating Margin has declined in the last couple of years.
CPSS's Gross Margin of 46.23% is in line compared to the rest of the industry. CPSS outperforms 41.82% of 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CPSS is destroying value.
CPSS has more shares outstanding than it did 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.
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.
With a Debt to FCF ratio value of 12.25, CPSS perfoms like the industry average, 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 Debt to Equity ratio of 11.17. This is amonst the worse of the industry: CPSS underperforms 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
WACC5.23%
2.3 Liquidity
CPSS has a Current Ratio of 0.16. This is a bad value and indicates that CPSS is not financially healthy enough and could expect problems in meeting its short term obligations.
CPSS's Current ratio of 0.16 is on the low side compared to the rest of the industry. CPSS is outperformed by 72.73% of its industry peers.
CPSS has a Quick Ratio of 0.16. This is a bad value and indicates that CPSS is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of CPSS (0.16) is worse than 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
CPSS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.20%.
The Earnings Per Share has been growing by 29.11% on average over the past years. This is a very strong growth
The Revenue has grown by 16.94% in the past year. This is quite good.
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
CPSS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.61% yearly.
Based on estimates for the next years, CPSS will show a quite strong growth in Revenue. The Revenue will grow by 11.06% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
CPSS is valuated reasonably with a Price/Earnings ratio of 11.04.
Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CPSS to the average of the S&P500 Index (27.17), we can say CPSS is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.97, the valuation of CPSS can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 83.64% of the companies listed in the same industry.
CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.04 | ||
| Fwd PE | 5.97 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPSS indicates a slightly more expensive valuation: CPSS is more expensive than 63.64% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, CPSS is valued cheaply inside the industry as 98.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.69 | ||
| EV/EBITDA | 206.49 |
4.3 Compensation for Growth
A more expensive valuation may be justified as CPSS's earnings are expected to grow with 30.61% in the coming years.
PEG (NY)N/A
PEG (5Y)0.38
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CPSS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
8.83
-0.13 (-1.51%)
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 Cap194.88M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (61.72%)
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 | 11.04 | ||
| Fwd PE | 5.97 | ||
| P/S | 0.47 | ||
| P/FCF | 0.69 | ||
| P/OCF | 0.69 | ||
| P/B | 0.63 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | 206.49 |
EPS(TTM)0.8
EY9.06%
EPS(NY)1.48
Fwd EY16.75%
FCF(TTM)12.71
FCFY143.95%
OCF(TTM)12.74
OCFY144.32%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.38
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
WACC5.23%
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 11.04 and the Price/Book (PB) ratio is 0.63.
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.