CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
USA - NASDAQ:CPSS - US2105021008 - Common Stock
8.48 USD
-0.01 (-0.12%)
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 may be in some trouble as it scores bad on both profitability and health. CPSS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
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
Looking at the Return On Assets, with a value of 0.52%, CPSS is doing worse than 65.45% of the companies in the same industry.
The Return On Equity of CPSS (6.41%) is worse than 60.00% of its industry peers.
CPSS has a Return On Invested Capital (0.21%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for CPSS is significantly below the industry average of 11.72%.
| 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
CPSS's Profit Margin of 4.79% is on the low side compared to the rest of the industry. CPSS is outperformed by 65.45% of its industry peers.
In the last couple of years the Profit Margin of CPSS has grown nicely.
CPSS has a Operating Margin (2.70%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CPSS has declined.
Looking at the Gross Margin, with a value of 46.69%, CPSS is in line with its industry, outperforming 43.64% 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 | 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
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
The debt/assets ratio for CPSS is higher compared to a year ago.
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.
CPSS has a Altman-Z score of 0.24. This is in the lower half of the industry: CPSS underperforms 60.00% of its industry peers.
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 comparable to the rest of the industry.
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
WACC5.21%
2.3 Liquidity
CPSS has a Current Ratio of 0.26. 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's Current ratio of 0.26 is on the low side compared to the rest of the industry. CPSS is outperformed by 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's Quick ratio of 0.26 is on the low side compared to the rest of the industry. CPSS is outperformed by 69.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
CPSS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.62%.
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.
The Revenue has been growing slightly by 1.50% on average over the past years.
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.
CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.90% yearly.
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
Based on the Price/Earnings ratio of 10.60, the valuation of CPSS can be described as reasonable.
CPSS's Price/Earnings ratio is in line with the industry average.
CPSS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.67.
Based on the Price/Forward Earnings ratio of 4.49, 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.
When comparing the Price/Forward Earnings ratio of CPSS to the average of the S&P500 Index (31.86), we can say CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.6 | ||
| Fwd PE | 4.49 |
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 61.82% 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 98.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.71 | ||
| EV/EBITDA | 300.18 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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)1
PEG (5Y)0.36
EPS Next 2Y47.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:CPSS (11/6/2025, 4:30:01 PM)
8.48
-0.01 (-0.12%)
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 Change4.89%
Market Cap188.43M
Revenue(TTM)405.52M
Net Income(TTM)19.43M
Analysts85.71
Price Target15.3 (80.42%)
Short Float %2.44%
Short Ratio10.83
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 | 10.6 | ||
| Fwd PE | 4.49 | ||
| P/S | 0.46 | ||
| P/FCF | 0.71 | ||
| P/OCF | 0.71 | ||
| P/B | 0.62 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 300.18 |
EPS(TTM)0.8
EY9.43%
EPS(NY)1.89
Fwd EY22.25%
FCF(TTM)11.94
FCFY140.81%
OCF(TTM)11.98
OCFY141.22%
SpS18.25
BVpS13.64
TBVpS13.64
PEG (NY)1
PEG (5Y)0.36
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
WACC5.21%
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%
CONSUMER PORTFOLIO SERVICES / CPSS FAQ
What is the fundamental rating for CPSS stock?
ChartMill assigns a fundamental rating of 3 / 10 to CPSS.
Can you provide the valuation status for CONSUMER PORTFOLIO SERVICES?
ChartMill assigns a valuation rating of 7 / 10 to CONSUMER PORTFOLIO SERVICES (CPSS). This can be considered as Undervalued.
How profitable is CONSUMER PORTFOLIO SERVICES (CPSS) stock?
CONSUMER PORTFOLIO SERVICES (CPSS) has a profitability rating of 3 / 10.
Can you provide the financial health for CPSS stock?
The financial health rating of CONSUMER PORTFOLIO SERVICES (CPSS) is 1 / 10.