CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
NASDAQ:CPSS - Nasdaq - US2105021008 - Common Stock - Currency: USD
CPSS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. There are concerns on the financial health of CPSS while its profitability can be described as average. CPSS has a decent growth rate and is not valued too expensively.
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.
CPSS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.61%, CPSS is in line with its industry, outperforming 40.38% of the companies in the same industry.
With a Return On Equity value of 7.45%, CPSS perfoms like the industry average, outperforming 48.08% of the companies in the same industry.
CPSS has a Return On Invested Capital (0.17%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CPSS is significantly below the industry average of 7.34%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 7.45% | ||
| ROIC | 0.17% |
ROA(3y)2.3%
ROA(5y)1.62%
ROE(3y)27.36%
ROE(5y)20.2%
ROIC(3y)2.17%
ROIC(5y)1.81%
1.3 Margins
Looking at the Profit Margin, with a value of 5.93%, CPSS is doing worse than 65.38% of the companies in the same industry.
In the last couple of years the Profit Margin of CPSS has grown nicely.
Looking at the Operating Margin, with a value of 2.21%, CPSS is in line with its industry, outperforming 40.38% of the companies in the same industry.
CPSS's Operating Margin has improved in the last couple of years.
CPSS has a Gross Margin (50.02%) which is in line with its industry peers.
CPSS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.21% | ||
| PM (TTM) | 5.93% | ||
| GM | 50.02% |
OM growth 3Y-11.99%
OM growth 5Y24.66%
PM growth 3Y22.71%
PM growth 5Y28.39%
GM growth 3Y-4.99%
GM growth 5Y-5.12%
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.
The number of shares outstanding for CPSS has been increased compared to 1 year ago.
The number of shares outstanding for CPSS has been reduced compared to 5 years ago.
The debt/assets ratio for CPSS has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.25, we must say that CPSS is in the distress zone and has some risk of bankruptcy.
CPSS has a Altman-Z score of 0.25. This is comparable to the rest of the industry: CPSS outperforms 40.38% of its industry peers.
The Debt to FCF ratio of CPSS is 14.04, which is on the high side as it means it would take CPSS, 14.04 years of fcf income to pay off all of its debts.
CPSS's Debt to FCF ratio of 14.04 is in line compared to the rest of the industry. CPSS outperforms 42.31% of its industry peers.
CPSS has a Debt/Equity ratio of 10.89. This is a high value indicating a heavy dependency on external financing.
CPSS has a worse Debt to Equity ratio (10.89) than 90.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.89 | ||
| Debt/FCF | 14.04 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.03
WACC5.09%
2.3 Liquidity
A Current Ratio of 0.22 indicates that CPSS may have some problems paying its short term obligations.
CPSS's Current ratio of 0.22 is on the low side compared to the rest of the industry. CPSS is outperformed by 75.00% of its industry peers.
CPSS has a Quick Ratio of 0.22. This is a bad value and indicates that CPSS is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.22, CPSS is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.22 | ||
| Quick Ratio | 0.22 |
3. Growth
3.1 Past
The earnings per share for CPSS have decreased strongly by -58.54% in the last year.
CPSS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.97% yearly.
The Revenue has been growing slightly by 6.25% in the past year.
The Revenue has been decreasing by -2.70% on average over the past years.
EPS 1Y (TTM)-58.54%
EPS 3Y25.95%
EPS 5Y24.97%
EPS Q2Q%-51.57%
Revenue 1Y (TTM)6.25%
Revenue growth 3Y4.18%
Revenue growth 5Y-2.7%
Sales Q2Q%16.82%
3.2 Future
The Earnings Per Share is expected to grow by 22.84% 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 17.19% on average per year.
EPS Next Y-51.78%
EPS Next 2Y22.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.17%
Revenue Next 2Y17.19%
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
CPSS is valuated correctly with a Price/Earnings ratio of 13.63.
The rest of the industry has a similar Price/Earnings ratio as CPSS.
When comparing the Price/Earnings ratio of CPSS to the average of the S&P500 Index (28.46), we can say CPSS is valued rather cheaply.
A Price/Forward Earnings ratio of 4.37 indicates a rather cheap valuation of CPSS.
92.31% of the companies in the same industry are more expensive than CPSS, based on the Price/Forward Earnings ratio.
CPSS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 4.37 |
4.2 Price Multiples
CPSS's Enterprise Value to EBITDA is on the same level as the industry average.
92.31% 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 | 1.15 | ||
| EV/EBITDA | 381.32 |
4.3 Compensation for Growth
CPSS's earnings are expected to grow with 22.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2Y22.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CONSUMER PORTFOLIO SERVICES
NASDAQ:CPSS (1/31/2025, 8:22:31 PM)
After market: 11.86 0 (0%)11.86
-0.58 (-4.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.1%
Inst Owner Change1.12%
Ins Owners38.35%
Ins Owner Change-4.38%
Market Cap253.92M
Analysts85.71
Price Target18.36 (54.81%)
Short Float %8.03%
Short Ratio18.16
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-5.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 4.37 | ||
| P/S | 0.71 | ||
| P/FCF | 1.15 | ||
| P/OCF | 1.14 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | 381.32 |
EPS(TTM)0.87
EY7.34%
EPS(NY)2.71
Fwd EY22.88%
FCF(TTM)10.33
FCFY87.12%
OCF(TTM)10.36
OCFY87.36%
SpS16.73
BVpS13.32
TBVpS13.32
PEG (NY)N/A
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 7.45% | ||
| ROCE | 0.23% | ||
| ROIC | 0.17% | ||
| ROICexc | 0.17% | ||
| ROICexgc | 0.17% | ||
| OM | 2.21% | ||
| PM (TTM) | 5.93% | ||
| GM | 50.02% | ||
| FCFM | 61.76% |
ROA(3y)2.3%
ROA(5y)1.62%
ROE(3y)27.36%
ROE(5y)20.2%
ROIC(3y)2.17%
ROIC(5y)1.81%
ROICexc(3y)2.19%
ROICexc(5y)1.82%
ROICexgc(3y)2.21%
ROICexgc(5y)1.84%
ROCE(3y)2.93%
ROCE(5y)2.44%
ROICexcg growth 3Y-17.21%
ROICexcg growth 5Y17.65%
ROICexc growth 3Y-17.15%
ROICexc growth 5Y17.72%
OM growth 3Y-11.99%
OM growth 5Y24.66%
PM growth 3Y22.71%
PM growth 5Y28.39%
GM growth 3Y-4.99%
GM growth 5Y-5.12%
F-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.89 | ||
| Debt/FCF | 14.04 | ||
| Debt/EBITDA | 352.04 | ||
| Cap/Depr | 68.56% | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | 0.05 | ||
| Cash Conversion | 2514.89% | ||
| Profit Quality | 1041.29% | ||
| Current Ratio | 0.22 | ||
| Quick Ratio | 0.22 | ||
| Altman-Z | 0.25 |
F-Score4
WACC5.09%
ROIC/WACC0.03
Cap/Depr(3y)104.97%
Cap/Depr(5y)77.52%
Cap/Sales(3y)0.52%
Cap/Sales(5y)0.36%
Profit Quality(3y)395.09%
Profit Quality(5y)1257.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-58.54%
EPS 3Y25.95%
EPS 5Y24.97%
EPS Q2Q%-51.57%
EPS Next Y-51.78%
EPS Next 2Y22.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.25%
Revenue growth 3Y4.18%
Revenue growth 5Y-2.7%
Sales Q2Q%16.82%
Revenue Next Year17.17%
Revenue Next 2Y17.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-87.52%
EBIT growth 3Y-8.31%
EBIT growth 5Y21.29%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.01%
FCF growth 3Y-0.19%
FCF growth 5Y1.99%
OCF growth 1Y11.03%
OCF growth 3Y-0.11%
OCF growth 5Y1.94%