9.33 USD
+0.03 (+0.32%)
9.33 USD
0 (0%)
Overall CPSS gets a fundamental rating of 3 out of 10. We evaluated CPSS against 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of CPSS have multiple concerns. 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.
In the past 5 years CPSS has always been profitable.
CPSS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CPSS has a Return On Assets of 0.51%. This is in the lower half of the industry: CPSS underperforms 69.09% of its industry peers.
Looking at the Return On Equity, with a value of 6.34%, CPSS is doing worse than 65.45% of the companies in the same industry.
CPSS has a Return On Invested Capital of 0.32%. This is in the lower half of the industry: CPSS underperforms 60.00% of its industry peers.
CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This is significantly below the industry average of 12.44%.
| 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's Profit Margin of 4.65% is on the low side compared to the rest of the industry. CPSS is outperformed by 67.27% of its industry peers.
CPSS's Profit Margin has improved in the last couple of years.
CPSS's Operating Margin of 3.97% is on the low side compared to the rest of the industry. CPSS is outperformed by 60.00% of its industry peers.
CPSS's Operating Margin has declined in the last couple of years.
CPSS has a Gross Margin of 46.23%. This is comparable to the rest of the industry: CPSS outperforms 43.64% of 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.
The number of shares outstanding for CPSS has been increased compared to 1 year ago.
Compared to 5 years ago, CPSS has less shares outstanding
Compared to 1 year ago, CPSS has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.25, we must say that CPSS is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CPSS (0.25) is worse than 60.00% of its industry peers.
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.
CPSS has a Debt to FCF ratio of 12.25. This is comparable to the rest of the industry: CPSS outperforms 58.18% of its industry peers.
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 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.06
WACC5.26%
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's Current ratio of 0.16 is on the low side compared to the rest of the industry. CPSS is outperformed by 76.36% 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 Quick ratio of 0.16. This is in the lower half of the industry: CPSS underperforms 76.36% of its industry peers.
| 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.
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.
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
The Earnings Per Share is expected to grow by 30.61% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.06% on average over the next years. This is quite good.
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
A Price/Earnings ratio of 11.66 indicates a reasonable valuation of CPSS.
CPSS's Price/Earnings is on the same level as the industry average.
CPSS is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.31, the valuation of CPSS can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 81.82% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.13. CPSS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.66 | ||
| Fwd PE | 6.31 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
98.18% of the companies in the same industry are more expensive than CPSS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.73 | ||
| EV/EBITDA | 206.91 |
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)0.4
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
9.33
+0.03 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.4%
Inst Owner Change48.83%
Ins Owners30.98%
Ins Owner Change-2.48%
Market Cap205.91M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (53.05%)
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)-12.77%
EPS NY rev (3m)-12.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.87%
Revenue NY rev (1m)-1.7%
Revenue NY rev (3m)-1.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.66 | ||
| Fwd PE | 6.31 | ||
| P/S | 0.49 | ||
| P/FCF | 0.73 | ||
| P/OCF | 0.73 | ||
| P/B | 0.67 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | 206.91 |
EPS(TTM)0.8
EY8.57%
EPS(NY)1.48
Fwd EY15.85%
FCF(TTM)12.71
FCFY136.24%
OCF(TTM)12.74
OCFY136.59%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.4
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 | 0.25 |
F-Score5
WACC5.26%
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 11.66 and the Price/Book (PB) ratio is 0.67.
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.