CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
USA - NASDAQ:CPSS - US2105021008 - Common Stock
8.25 USD
+0.04 (+0.49%)
8.25 USD
0 (0%)
CPSS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. CPSS has a bad profitability rating. Also its financial health evaluation is rather negative. CPSS is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
In the past 5 years CPSS always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.52%, CPSS is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
CPSS's Return On Equity of 6.42% is on the low side compared to the rest of the industry. CPSS is outperformed by 63.64% of its industry peers.
CPSS has a worse Return On Invested Capital (0.21%) than 60.00% 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 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
The Profit Margin of CPSS (4.79%) is worse than 69.09% of its industry peers.
CPSS's Profit Margin has improved in the last couple of years.
CPSS's Operating Margin of 2.70% 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.
Looking at the Gross Margin, with a value of 46.69%, CPSS is in line with its industry, outperforming 43.64% of the companies in the same industry.
In the last couple of years the Gross Margin of CPSS has declined.
| 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
CPSS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
CPSS has about the same amout of 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 worse Altman-Z score (0.24) than 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.
CPSS has a Debt to FCF ratio (12.79) which 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.
Looking at the Debt to Equity ratio, with a value of 11.20, CPSS is doing worse than 85.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.04
WACC5.16%
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.
CPSS has a Current ratio of 0.26. This is in the lower half of the industry: CPSS underperforms 70.91% of its industry peers.
A Quick Ratio of 0.26 indicates that CPSS may have some problems paying its short term obligations.
CPSS's Quick ratio of 0.26 is on the low side compared to the rest of the industry. CPSS is outperformed by 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.
The Earnings Per Share has been growing by 29.13% on average over the past years. This is a very strong growth
The Revenue has grown by 16.13% 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)-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
The Earnings Per Share is expected to grow by 47.53% 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 13.90% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 10.31, the valuation of CPSS can be described as very reasonable.
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 25.07, CPSS is valued rather cheaply.
The Price/Forward Earnings ratio is 4.37, which indicates a rather cheap valuation of CPSS.
CPSS's Price/Forward Earnings ratio is rather cheap when compared to the industry. CPSS is cheaper than 89.09% of the companies in the same industry.
CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.31 | ||
| Fwd PE | 4.37 |
4.2 Price Multiples
61.82% of the companies in the same industry are cheaper than CPSS, based on the Enterprise Value to EBITDA ratio.
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 | 0.69 | ||
| EV/EBITDA | 299.89 |
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 47.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.97
PEG (5Y)0.35
EPS Next 2Y47.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CPSS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
8.25
+0.04 (+0.49%)
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 Cap183.31M
Revenue(TTM)405.52M
Net Income(TTM)19.44M
Analysts85.71
Price Target15.3 (85.45%)
Short Float %2.71%
Short Ratio10.39
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 | 10.31 | ||
| Fwd PE | 4.37 | ||
| P/S | 0.45 | ||
| P/FCF | 0.69 | ||
| P/OCF | 0.69 | ||
| P/B | 0.61 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | 299.89 |
EPS(TTM)0.8
EY9.7%
EPS(NY)1.89
Fwd EY22.87%
FCF(TTM)11.94
FCFY144.68%
OCF(TTM)11.97
OCFY145.11%
SpS18.25
BVpS13.64
TBVpS13.64
PEG (NY)0.97
PEG (5Y)0.35
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
WACC5.16%
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.