CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
USA - NASDAQ:CPSS - US2105021008 - Common Stock
8.06 USD
-0.43 (-5.06%)
8.06 USD
0 (0%)
Overall CPSS gets a fundamental rating of 3 out of 10. We evaluated CPSS against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of CPSS have multiple concerns. CPSS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year CPSS was profitable.
In the past year CPSS had a positive cash flow from operations.
In the past 5 years CPSS has always been profitable.
In the past 5 years CPSS always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CPSS (0.52%) is worse than 64.81% of its industry peers.
CPSS has a Return On Equity (6.41%) which is in line with its industry peers.
The Return On Invested Capital of CPSS (0.21%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for CPSS is significantly below the industry average of 11.02%.
| 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
With a Profit Margin value of 4.79%, CPSS is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CPSS has grown nicely.
CPSS has a Operating Margin of 2.70%. This is in the lower half of the industry: CPSS underperforms 62.96% of its industry peers.
CPSS's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 46.69%, CPSS perfoms like the industry average, outperforming 42.59% 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
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.
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.
Looking at the Altman-Z score, with a value of 0.24, CPSS is doing worse than 61.11% of the companies in the same industry.
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.
The Debt to FCF ratio of CPSS (12.79) is comparable to the rest of the industry.
A Debt/Equity ratio of 11.20 is on the high side and indicates that CPSS has dependencies on debt financing.
CPSS has a Debt to Equity ratio of 11.20. This is amonst the worse of the industry: CPSS underperforms 85.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.04
WACC5.17%
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 has a worse Current ratio (0.26) than 70.37% of its industry peers.
CPSS has a Quick 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 Quick ratio of 0.26 is on the low side compared to the rest of the industry. CPSS is outperformed by 70.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
The earnings per share for CPSS have decreased strongly by -25.62% in the last year.
CPSS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.11% yearly.
Looking at the last year, CPSS shows a quite strong growth in Revenue. The Revenue has grown by 16.13% in the last year.
CPSS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.50% yearly.
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
Based on estimates for the next years, CPSS will show a very strong growth in Earnings Per Share. The EPS will grow by 47.53% on average per year.
The Revenue is expected to grow by 13.90% on average over the next years. This is quite good.
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
The Price/Earnings ratio is 10.07, which indicates a very decent valuation of CPSS.
CPSS's Price/Earnings ratio is in line with the industry average.
CPSS is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 4.27 indicates a rather cheap valuation of CPSS.
CPSS's Price/Forward Earnings ratio is rather cheap when compared to the industry. CPSS is cheaper than 87.04% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.07 | ||
| Fwd PE | 4.27 |
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 62.96% 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 | 0.68 | ||
| EV/EBITDA | 300.18 |
4.3 Compensation for Growth
CPSS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CPSS's earnings are expected to grow with 47.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.95
PEG (5Y)0.35
EPS Next 2Y47.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CPSS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
8.06
-0.43 (-5.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.87%
Inst Owner Change0.31%
Ins Owners31.96%
Ins Owner Change6.57%
Market Cap179.09M
Analysts85.71
Price Target15.3 (89.83%)
Short Float %2.57%
Short Ratio15.26
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)-19.35%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-19.66%
EPS NY rev (3m)-19.66%
Revenue NQ rev (1m)-1.91%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.24%
Revenue NY rev (3m)-1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.07 | ||
| Fwd PE | 4.27 | ||
| P/S | 0.44 | ||
| P/FCF | 0.68 | ||
| P/OCF | 0.67 | ||
| P/B | 0.59 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 300.18 |
EPS(TTM)0.8
EY9.93%
EPS(NY)1.89
Fwd EY23.41%
FCF(TTM)11.94
FCFY148.14%
OCF(TTM)11.98
OCFY148.57%
SpS18.25
BVpS13.64
TBVpS13.64
PEG (NY)0.95
PEG (5Y)0.35
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%
ROICexcg growth 3Y-61.84%
ROICexcg 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
WACC5.17%
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%