CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
USA - NASDAQ:CPSS - US2105021008 - Common Stock
8.2 USD
+0.19 (+2.37%)
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.
CPSS had positive earnings in each of the past 5 years.
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 63.64% of its industry peers.
The Return On Equity of CPSS (6.41%) is comparable to the rest of the industry.
CPSS's Return On Invested Capital of 0.21% is in line compared to the rest of the industry. CPSS outperforms 43.64% of its industry peers.
CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This is significantly below the industry average of 10.98%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 6.41% | ||
| ROIC | 0.21% |
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
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.
CPSS's Profit Margin has improved in the last couple of years.
CPSS has a worse Operating Margin (2.70%) than 61.82% of its industry peers.
CPSS's Operating Margin has declined in the last couple of years.
CPSS has a Gross Margin (46.69%) which is comparable to the rest of the 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-33.4%
PM growth 5Y26.98%
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.
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.
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.
With a Altman-Z score value of 0.24, CPSS is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
CPSS has a debt to FCF ratio of 12.79. This is a negative value and a sign of low solvency as CPSS would need 12.79 years to pay back of all of its debts.
CPSS has a Debt to FCF ratio (12.79) which is in line with its industry peers.
CPSS has a Debt/Equity ratio of 11.20. This is a high value indicating a heavy dependency on external financing.
CPSS has a Debt to Equity ratio of 11.20. This is amonst the worse of the industry: CPSS underperforms 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.04
WACC5.16%
2.3 Liquidity
A Current Ratio of 0.26 indicates that CPSS may have some problems paying its short term obligations.
CPSS has a worse Current ratio (0.26) than 69.09% of its industry peers.
A Quick Ratio of 0.26 indicates that CPSS may have some problems paying its short term obligations.
CPSS has a worse Quick ratio (0.26) than 69.09% 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 29.11% on average per year.
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-24.58%
EPS 5Y29.11%
EPS Q2Q%3.01%
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.
The Revenue is expected to grow by 13.90% on average over the next years. This is quite good.
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.
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 10.25, the valuation of CPSS can be described as very reasonable.
CPSS's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.57, CPSS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.35, the valuation of CPSS can be described as very cheap.
Based on the Price/Forward Earnings ratio, CPSS is valued cheaper than 87.27% of the companies in the same industry.
CPSS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.25 | ||
| Fwd PE | 4.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
CPSS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CPSS is cheaper than 98.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.69 | ||
| EV/EBITDA | 299.28 |
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.
A more expensive valuation may be justified as CPSS's earnings are expected to grow with 47.53% in the coming years.
PEG (NY)0.97
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 |
NASDAQ:CPSS (10/23/2025, 10:27:50 AM)
8.2
+0.19 (+2.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.34%
Inst Owner Change-0.01%
Ins Owners30.57%
Ins Owner Change5.69%
Market Cap182.20M
Revenue(TTM)405.52M
Net Income(TTM)19.43M
Analysts85.71
Price Target15.3 (86.59%)
Short Float %2.22%
Short Ratio12.12
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 | 10.25 | ||
| Fwd PE | 4.35 | ||
| P/S | 0.45 | ||
| P/FCF | 0.69 | ||
| P/OCF | 0.68 | ||
| P/B | 0.6 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | 299.28 |
EPS(TTM)0.8
EY9.76%
EPS(NY)1.89
Fwd EY23.01%
FCF(TTM)11.94
FCFY145.61%
OCF(TTM)11.98
OCFY146.04%
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 | 6.41% | ||
| ROCE | 0.3% | ||
| ROIC | 0.21% | ||
| ROICexc | 0.21% | ||
| ROICexgc | 0.22% | ||
| OM | 2.7% | ||
| PM (TTM) | 4.79% | ||
| GM | 46.69% | ||
| FCFM | 65.43% |
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 | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Debt/EBITDA | 285.63 | ||
| Cap/Depr | 83.55% | ||
| Cap/Sales | 0.19% | ||
| Interest Coverage | 0.05 | ||
| Cash Conversion | 2239.79% | ||
| Profit Quality | 1365.35% | ||
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 | ||
| Altman-Z | 0.24 |
F-Score5
WACC5.16%
ROIC/WACC0.04
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)-25.62%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%3.01%
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-25.84%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23%
FCF growth 3Y5.95%
FCF growth 5Y1.55%
OCF growth 1Y22.68%
OCF growth 3Y5.65%
OCF growth 5Y1.52%