8.7 USD
-0.44 (-4.81%)
8.7 USD
0 (0%)
Overall CPSS gets a fundamental rating of 3 out of 10. We evaluated CPSS against 53 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.
- In the past year CPSS had a positive cash flow from operations.
- Each year in the past 5 years CPSS has been profitable.
- In the past 5 years CPSS always reported a positive cash flow from operatings.
1.2 Ratios
- CPSS's Return On Assets of 0.51% 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 Equity of CPSS (6.34%) is worse than 69.81% of its industry peers.
- CPSS has a Return On Invested Capital of 0.32%. This is in the lower half of the industry: CPSS underperforms 64.15% 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
- The Profit Margin of CPSS (4.65%) is worse than 69.81% of its industry peers.
- 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 64.15% of the companies in the same industry.
- In the last couple of years the Operating Margin of CPSS has declined.
- CPSS has a Gross Margin (46.23%) which is in line with its industry peers.
- 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CPSS is destroying value.
- Compared to 1 year ago, CPSS has more shares outstanding
- CPSS has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CPSS has a worse debt to assets ratio.
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 perfoms like the industry average, outperforming 41.51% of the companies in the same industry.
- 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.
- A Debt/Equity ratio of 11.17 is on the high side and indicates that CPSS has dependencies on debt financing.
- CPSS's Debt to Equity ratio of 11.17 is on the low side compared to the rest of the industry. CPSS is outperformed by 84.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.22%
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.
- A Quick Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
- CPSS has a worse Quick ratio (0.16) than 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%.
- The Earnings Per Share has been growing by 29.11% on average over the past years. This is a very strong growth
- CPSS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.94%.
- 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
- CPSS is valuated reasonably with a Price/Earnings ratio of 10.87.
- Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 27.47. CPSS is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 5.88 indicates a rather cheap valuation of CPSS.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 81.13% of the companies listed in the same industry.
- CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 5.88 |
4.2 Price Multiples
- 64.15% of the companies in the same industry are cheaper than CPSS, based on the Enterprise Value to EBITDA ratio.
- CPSS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CPSS is cheaper than 98.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.68 | ||
| EV/EBITDA | 206.71 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as CPSS's earnings are expected to grow with 30.61% in the coming years.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
8.7
-0.44 (-4.81%)
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 Change0%
Ins Owners30.53%
Ins Owner Change-2.48%
Market Cap192.01M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (64.14%)
Short Float %3.16%
Short Ratio12.59
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 | 10.87 | ||
| Fwd PE | 5.88 | ||
| P/S | 0.46 | ||
| P/FCF | 0.68 | ||
| P/OCF | 0.68 | ||
| P/B | 0.62 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 206.71 |
EPS(TTM)0.8
EY9.2%
EPS(NY)1.48
Fwd EY17%
FCF(TTM)12.71
FCFY146.1%
OCF(TTM)12.74
OCFY146.48%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.37
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
WACC5.22%
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 10.87 and the Price/Book (PB) ratio is 0.62.
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.