8.95 USD
+0.13 (+1.47%)
At close: Feb 6, 2026
8.95 USD
0 (0%)
After Hours: 2/6/2026, 8:26:25 PM
CPSS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of CPSS have multiple concerns. 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.
- CPSS had a positive operating cash flow in the past year.
- 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
- CPSS has a worse Return On Assets (0.51%) than 70.37% of its industry peers.
- With a Return On Equity value of 6.34%, CPSS is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
- CPSS has a worse Return On Invested Capital (0.32%) than 62.96% of its industry peers.
- The Average Return On Invested Capital over the past 3 years 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
- With a Profit Margin value of 4.65%, CPSS is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of CPSS has grown nicely.
- Looking at the Operating Margin, with a value of 3.97%, CPSS is doing worse than 62.96% of the companies in the same industry.
- CPSS's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 46.23%, CPSS perfoms like the industry average, outperforming 44.44% 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 | 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.
- The number of shares outstanding for CPSS has been reduced compared to 5 years ago.
- The debt/assets ratio for CPSS is higher compared to a year ago.
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.
- Looking at the Debt to FCF ratio, with a value of 12.25, CPSS is in line with its industry, outperforming 59.26% 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.
- CPSS has a Debt to Equity ratio of 11.17. This is amonst the worse of the industry: CPSS underperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.24%
2.3 Liquidity
- A Current Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
- With a Current ratio value of 0.16, CPSS is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
- A Quick Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
- With a Quick ratio value of 0.16, CPSS is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
| 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.
- CPSS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.94%.
- 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.
- 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
- A Price/Earnings ratio of 11.19 indicates a reasonable valuation of CPSS.
- 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 27.92, CPSS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 6.05, the valuation of CPSS can be described as very cheap.
- CPSS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CPSS is cheaper than 79.63% of the companies in the same industry.
- CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 6.05 |
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 64.81% of the companies listed in the same industry.
- CPSS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CPSS is cheaper than 98.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.7 | ||
| EV/EBITDA | 206.31 |
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)0.38
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
8.95
+0.13 (+1.47%)
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 Cap197.53M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (59.55%)
Short Float %3.21%
Short Ratio15.3
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 | 11.19 | ||
| Fwd PE | 6.05 | ||
| P/S | 0.47 | ||
| P/FCF | 0.7 | ||
| P/OCF | 0.7 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 206.31 |
EPS(TTM)0.8
EY8.94%
EPS(NY)1.48
Fwd EY16.53%
FCF(TTM)12.71
FCFY142.02%
OCF(TTM)12.74
OCFY142.39%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.38
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
WACC5.24%
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 11.19 and the Price/Book (PB) ratio is 0.64.
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.