8.47 USD
-0.31 (-3.53%)
At close: Feb 3, 2026
8.47 USD
0 (0%)
After Hours: 2/3/2026, 4:30:00 PM
We assign a fundamental rating of 3 out of 10 to CPSS. CPSS was compared to 54 industry peers in the Consumer Finance industry. CPSS has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- Each year in the past 5 years CPSS has been profitable.
- CPSS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CPSS has a worse Return On Assets (0.51%) than 70.37% of its industry peers.
- CPSS has a worse Return On Equity (6.34%) than 68.52% of its industry peers.
- CPSS has a worse Return On Invested Capital (0.32%) than 62.96% 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 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 worse Profit Margin (4.65%) than 68.52% of its industry peers.
- CPSS's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 3.97%, CPSS is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
- CPSS's Operating Margin has declined in the last couple of years.
- CPSS has a Gross Margin (46.23%) which is comparable to the rest of the industry.
- CPSS's Gross Margin has declined in the last couple of years.
| 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.
- The number of shares outstanding for CPSS has been increased compared to 1 year ago.
- Compared to 5 years ago, CPSS has less shares outstanding
- Compared to 1 year ago, CPSS has a worse debt to assets ratio.
2.2 Solvency
- CPSS has an Altman-Z score of 0.24. This is a bad value and indicates that CPSS is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of CPSS (0.24) is comparable to the rest of the industry.
- CPSS has a debt to FCF ratio of 12.25. This is a negative value and a sign of low solvency as CPSS would need 12.25 years to pay back of all of its debts.
- CPSS's Debt to FCF ratio of 12.25 is in line compared to the rest of the industry. CPSS outperforms 59.26% of its industry peers.
- CPSS has a Debt/Equity ratio of 11.17. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 11.17, CPSS is not doing good in the industry: 83.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.21%
2.3 Liquidity
- A Current Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.16, CPSS is doing worse than 72.22% of the companies in the same industry.
- 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.
- Looking at the Quick ratio, with a value of 0.16, CPSS is doing worse than 72.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
- The earnings per share for CPSS have decreased by -7.20% 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 16.94% in the past year. This is quite good.
- CPSS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.50% yearly.
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
- Based on the Price/Earnings ratio of 10.59, the valuation of CPSS can be described as 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 28.41, CPSS is valued rather cheaply.
- A Price/Forward Earnings ratio of 5.73 indicates a rather cheap valuation of CPSS.
- Based on the Price/Forward Earnings ratio, CPSS is valued a bit cheaper than 79.63% 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 25.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.59 | ||
| Fwd PE | 5.73 |
4.2 Price Multiples
- CPSS's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CPSS is more expensive than 64.81% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, CPSS is valued cheaply inside the industry as 98.15% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.67 | ||
| EV/EBITDA | 206.25 |
4.3 Compensation for Growth
- CPSS's earnings are expected to grow with 30.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.36
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% |
8.47
-0.31 (-3.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)02-23 2026-02-23
Inst Owners24.41%
Inst Owner Change-0.02%
Ins Owners30.53%
Ins Owner Change-2.48%
Market Cap186.93M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (68.6%)
Short Float %N/A
Short RatioN/A
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 | 10.59 | ||
| Fwd PE | 5.73 | ||
| P/S | 0.45 | ||
| P/FCF | 0.67 | ||
| P/OCF | 0.66 | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 206.25 |
EPS(TTM)0.8
EY9.45%
EPS(NY)1.48
Fwd EY17.46%
FCF(TTM)12.71
FCFY150.07%
OCF(TTM)12.74
OCFY150.45%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.36
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
WACC5.21%
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 10.59 and the Price/Book (PB) ratio is 0.61.
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.