CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
USA - NASDAQ:CPSS - US2105021008 - Common Stock
8.04 USD
-0.35 (-4.17%)
8.04 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to CPSS. CPSS was compared to 55 industry peers in the Consumer Finance industry. CPSS has a bad profitability rating. Also its financial health evaluation is rather negative. CPSS may be a bit undervalued, certainly considering the very reasonable score on growth
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.
Each year in the past 5 years CPSS has been profitable.
Each year in the past 5 years CPSS had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CPSS (0.52%) is worse than 69.09% of its industry peers.
With a Return On Equity value of 6.42%, CPSS is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.21%, CPSS is doing worse than 60.00% of the companies in the same industry.
CPSS had an Average Return On Invested Capital over the past 3 years of 1.35%. This is significantly below the industry average of 11.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 6.42% | ||
| ROIC | 0.21% |
ROA(3y)1.74%
ROA(5y)1.69%
ROE(3y)20.17%
ROE(5y)20.94%
ROIC(3y)1.35%
ROIC(5y)1.72%
1.3 Margins
Looking at the Profit Margin, with a value of 4.79%, CPSS is doing worse than 69.09% of the companies in the same industry.
In the last couple of years the Profit Margin of CPSS has grown nicely.
The Operating Margin of CPSS (2.70%) is worse than 61.82% of its industry peers.
CPSS's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 46.69%, CPSS perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
CPSS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.7% | ||
| PM (TTM) | 4.79% | ||
| GM | 46.69% |
OM growth 3Y-59.4%
OM growth 5Y-8.29%
PM growth 3Y-33.64%
PM growth 5Y26.71%
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 about the same amout of 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's Altman-Z score of 0.24 is on the low side compared to the rest of the industry. CPSS is outperformed by 61.82% of its industry peers.
The Debt to FCF ratio of CPSS is 12.79, which is on the high side as it means it would take CPSS, 12.79 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CPSS (12.79) is comparable to the rest of the industry.
A Debt/Equity ratio of 11.20 is on the high side and indicates that CPSS has dependencies on debt financing.
With a Debt to Equity ratio value of 11.20, CPSS is not doing good in the industry: 85.45% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.04
WACC5.14%
2.3 Liquidity
CPSS has a Current Ratio of 0.26. This is a bad value and indicates that CPSS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.26, CPSS is doing worse than 70.91% of the companies in the same industry.
CPSS has a Quick Ratio of 0.26. 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 (0.26) is worse than 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
The earnings per share for CPSS have decreased strongly by -25.62% in the last year.
Measured over the past years, CPSS shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.13% on average per year.
The Revenue has grown by 16.13% in the past year. This is quite good.
The Revenue has been growing slightly by 1.50% on average over the past years.
EPS 1Y (TTM)-25.62%
EPS 3Y-24.56%
EPS 5Y29.13%
EPS Q2Q%5.26%
Revenue 1Y (TTM)16.13%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%21.45%
3.2 Future
CPSS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.53% yearly.
CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.90% yearly.
EPS Next Y10.59%
EPS Next 2Y47.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.48%
Revenue Next 2Y13.9%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
CPSS is valuated reasonably with a Price/Earnings ratio of 10.05.
Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 25.56, CPSS is valued rather cheaply.
The Price/Forward Earnings ratio is 4.26, which indicates a rather cheap valuation of CPSS.
87.27% of the companies in the same industry are more expensive than CPSS, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.62. CPSS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.05 | ||
| Fwd PE | 4.26 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than 61.82% of the companies 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 | 0.67 | ||
| EV/EBITDA | 300.22 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CPSS's earnings are expected to grow with 47.53% in the coming years.
PEG (NY)0.95
PEG (5Y)0.34
EPS Next 2Y47.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
8.04
-0.35 (-4.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.34%
Inst Owner Change48.83%
Ins Owners30.57%
Ins Owner Change-0.69%
Market Cap178.65M
Revenue(TTM)405.52M
Net Income(TTM)19.44M
Analysts85.71
Price Target15.3 (90.3%)
Short Float %2.44%
Short Ratio10.83
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)-31.25%
Min EPS beat(2)-37.91%
Max EPS beat(2)-24.59%
EPS beat(4)0
Avg EPS beat(4)-23.22%
Min EPS beat(4)-37.91%
Max EPS beat(4)-6.63%
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)-3.29%
Min Revenue beat(2)-4.74%
Max Revenue beat(2)-1.84%
Revenue beat(4)2
Avg Revenue beat(4)-1.37%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-19.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.05 | ||
| Fwd PE | 4.26 | ||
| P/S | 0.44 | ||
| P/FCF | 0.67 | ||
| P/OCF | 0.67 | ||
| P/B | 0.59 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 300.22 |
EPS(TTM)0.8
EY9.95%
EPS(NY)1.89
Fwd EY23.47%
FCF(TTM)11.94
FCFY148.46%
OCF(TTM)11.97
OCFY148.9%
SpS18.25
BVpS13.64
TBVpS13.64
PEG (NY)0.95
PEG (5Y)0.34
Graham Number15.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 6.42% | ||
| ROCE | 0.3% | ||
| ROIC | 0.21% | ||
| ROICexc | 0.21% | ||
| ROICexgc | 0.21% | ||
| OM | 2.7% | ||
| PM (TTM) | 4.79% | ||
| GM | 46.69% | ||
| FCFM | 65.4% |
ROA(3y)1.74%
ROA(5y)1.69%
ROE(3y)20.17%
ROE(5y)20.94%
ROIC(3y)1.35%
ROIC(5y)1.72%
ROICexc(3y)1.36%
ROICexc(5y)1.73%
ROICexgc(3y)1.37%
ROICexgc(5y)1.75%
ROCE(3y)1.88%
ROCE(5y)2.4%
ROICexgc growth 3Y-61.84%
ROICexgc growth 5Y-12.7%
ROICexc growth 3Y-61.74%
ROICexc growth 5Y-12.62%
OM growth 3Y-59.4%
OM growth 5Y-8.29%
PM growth 3Y-33.64%
PM growth 5Y26.71%
GM growth 3Y-12.4%
GM growth 5Y-6.49%
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Debt/EBITDA | 285.85 | ||
| Cap/Depr | 83.7% | ||
| Cap/Sales | 0.19% | ||
| Interest Coverage | 0.05 | ||
| Cash Conversion | 2240.94% | ||
| Profit Quality | 1364.35% | ||
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 | ||
| Altman-Z | 0.24 |
F-Score5
WACC5.14%
ROIC/WACC0.04
Cap/Depr(3y)82.38%
Cap/Depr(5y)72.96%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.34%
Profit Quality(3y)668.52%
Profit Quality(5y)703.82%
High Growth Momentum
Growth
EPS 1Y (TTM)-25.62%
EPS 3Y-24.56%
EPS 5Y29.13%
EPS Q2Q%5.26%
EPS Next Y10.59%
EPS Next 2Y47.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.13%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%21.45%
Revenue Next Year13.48%
Revenue Next 2Y13.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-25.87%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.96%
FCF growth 3Y5.98%
FCF growth 5Y1.58%
OCF growth 1Y22.64%
OCF growth 3Y5.69%
OCF growth 5Y1.54%
CONSUMER PORTFOLIO SERVICES / CPSS FAQ
What is the fundamental rating for CPSS stock?
ChartMill assigns a fundamental rating of 3 / 10 to CPSS.
Can you provide the valuation status for CONSUMER PORTFOLIO SERVICES?
ChartMill assigns a valuation rating of 7 / 10 to CONSUMER PORTFOLIO SERVICES (CPSS). This can be considered as Undervalued.
How profitable is CONSUMER PORTFOLIO SERVICES (CPSS) stock?
CONSUMER PORTFOLIO SERVICES (CPSS) has a profitability rating of 3 / 10.
Can you provide the financial health for CPSS stock?
The financial health rating of CONSUMER PORTFOLIO SERVICES (CPSS) is 1 / 10.