7.98 USD
0 (0%)
Taking everything into account, CPSS scores 3 out of 10 in our fundamental rating. CPSS was compared to 53 industry peers in the Consumer Finance industry. CPSS may be in some trouble as it scores bad on both profitability and health. 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.
- CPSS had a positive operating cash flow in the past year.
- CPSS had positive earnings in each of the past 5 years.
- CPSS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of CPSS (0.51%) is worse than 73.58% of its industry peers.
- CPSS's Return On Equity of 6.34% is on the low side compared to the rest of the industry. CPSS is outperformed by 71.70% of its industry peers.
- The Return On Invested Capital of CPSS (0.32%) is worse than 64.15% 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 71.70% of its industry peers.
- In the last couple of years the Profit Margin of CPSS has grown nicely.
- CPSS has a worse Operating Margin (3.97%) than 64.15% of its industry peers.
- In the last couple of years the Operating Margin of CPSS has declined.
- The Gross Margin of CPSS (46.23%) 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 | 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
- CPSS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- CPSS has more 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
- 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.
- CPSS has a Altman-Z score (0.24) which is in line with its industry peers.
- The Debt to FCF ratio of CPSS is 12.25, which is on the high side as it means it would take CPSS, 12.25 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 12.25, CPSS is in line with its industry, outperforming 58.49% of the companies in the same industry.
- CPSS has a Debt/Equity ratio of 11.17. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 11.17, CPSS is doing worse than 86.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.17%
2.3 Liquidity
- CPSS has a Current 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.
- CPSS has a Current ratio of 0.16. This is in the lower half of the industry: CPSS underperforms 71.70% of its industry peers.
- 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.
- CPSS has a Quick ratio of 0.16. This is in the lower half of the industry: CPSS underperforms 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
- CPSS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.20%.
- CPSS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.11% yearly.
- The Revenue has grown by 16.94% 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)-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.
- CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.06% yearly.
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
- With a Price/Earnings ratio of 9.97, the valuation of CPSS can be described as very reasonable.
- CPSS's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of CPSS to the average of the S&P500 Index (27.25), we can say CPSS is valued rather cheaply.
- With a Price/Forward Earnings ratio of 5.40, the valuation of CPSS can be described as very cheap.
- Based on the Price/Forward Earnings ratio, CPSS is valued cheaply inside the industry as 86.79% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.98 | ||
| Fwd PE | 5.4 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPSS indicates a slightly more expensive valuation: CPSS is more expensive than 66.04% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, CPSS is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.63 | ||
| EV/EBITDA | 205.25 |
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)0.34
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 9.98 and the Price/Book (PB) ratio is 0.57.
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.