CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
NASDAQ:CPSS - Nasdaq - US2105021008 - Common Stock - Currency: USD
Overall CPSS gets a fundamental rating of 3 out of 10. We evaluated CPSS against 53 industry peers in the Consumer Finance industry. CPSS has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
In the past 5 years CPSS has always been profitable.
Of the past 5 years CPSS 4 years had a positive operating cash flow.
1.2 Ratios
CPSS has a Return On Assets of 0.61%. This is in the lower half of the industry: CPSS underperforms 64.15% of its industry peers.
CPSS has a Return On Equity (7.45%) which is comparable to the rest of the industry.
With a Return On Invested Capital value of 0.17%, CPSS perfoms like the industry average, outperforming 43.40% of the companies in the same industry.
CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This is significantly below the industry average of 7.73%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 7.45% | ||
| ROIC | 0.17% |
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 (5.93%) is worse than 67.92% 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 2.21%, CPSS is doing worse than 60.38% of the companies in the same industry.
In the last couple of years the Operating Margin of CPSS has declined.
Looking at the Gross Margin, with a value of 50.02%, CPSS is in line with its industry, outperforming 52.83% of the companies in the same industry.
CPSS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.21% | ||
| PM (TTM) | 5.93% | ||
| GM | 50.02% |
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.
CPSS has a worse Altman-Z score (0.24) than 60.38% of its industry peers.
CPSS has a debt to FCF ratio of 14.04. This is a negative value and a sign of low solvency as CPSS would need 14.04 years to pay back of all of its debts.
CPSS's Debt to FCF ratio of 14.04 is in line compared to the rest of the industry. CPSS outperforms 41.51% of its industry peers.
CPSS has a Debt/Equity ratio of 10.89. This is a high value indicating a heavy dependency on external financing.
CPSS's Debt to Equity ratio of 10.89 is on the low side compared to the rest of the industry. CPSS is outperformed by 88.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.89 | ||
| Debt/FCF | 14.04 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.03
WACC4.86%
2.3 Liquidity
CPSS has a Current Ratio of 0.22. 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 0.22 is on the low side compared to the rest of the industry. CPSS is outperformed by 71.70% of its industry peers.
CPSS has a Quick Ratio of 0.22. 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 Quick ratio of 0.22. This is in the lower half of the industry: CPSS underperforms 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.22 | ||
| Quick Ratio | 0.22 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 101.10% over the past year.
Measured over the past years, CPSS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.62% on average per year.
Looking at the last year, CPSS shows a quite strong growth in Revenue. The Revenue has grown by 9.54% in the last year.
Measured over the past years, CPSS shows a decrease in Revenue. The Revenue has been decreasing by -8.41% on average per year.
EPS 1Y (TTM)101.1%
EPS 3Y53.09%
EPS 5Y12.62%
EPS Q2Q%-26.62%
Revenue 1Y (TTM)9.54%
Revenue growth 3Y-11.28%
Revenue growth 5Y-8.41%
Sales Q2Q%22.48%
3.2 Future
Based on estimates for the next years, CPSS will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.35% on average per year.
CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.59% yearly.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3Y-22.04%
EPS Next 5Y10.35%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.54%
Revenue Next 5Y15.59%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
With a Price/Earnings ratio of 5.14, the valuation of CPSS can be described as very cheap.
96.23% of the companies in the same industry are more expensive than CPSS, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.35, CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.14 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as CPSS.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 92.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.91 | ||
| EV/EBITDA | 373.96 |
4.3 Compensation for Growth
CPSS's earnings are expected to decrease with -22.04% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2YN/A
EPS Next 3Y-22.04%
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.41
-0.14 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners26.3%
Inst Owner Change0.26%
Ins Owners35.86%
Ins Owner Change-4.38%
Market Cap201.47M
Analysts85.71
Price Target18.36 (95.11%)
Short Float %4.05%
Short Ratio12.37
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.99%
Revenue NY rev (3m)3.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.14 | ||
| Fwd PE | N/A | ||
| P/S | 0.56 | ||
| P/FCF | 0.91 | ||
| P/OCF | 0.91 | ||
| P/B | 0.71 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | 373.96 |
EPS(TTM)1.83
EY19.45%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)10.33
FCFY109.81%
OCF(TTM)10.36
OCFY110.11%
SpS16.73
BVpS13.32
TBVpS13.32
PEG (NY)N/A
PEG (5Y)0.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 7.45% | ||
| ROCE | 0.23% | ||
| ROIC | 0.17% | ||
| ROICexc | 0.17% | ||
| ROICexgc | 0.17% | ||
| OM | 2.21% | ||
| PM (TTM) | 5.93% | ||
| GM | 50.02% | ||
| FCFM | 61.76% |
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-61.76%
ROICexcg growth 5Y-12.58%
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-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.89 | ||
| Debt/FCF | 14.04 | ||
| Debt/EBITDA | 352.04 | ||
| Cap/Depr | 68.56% | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | 0.05 | ||
| Cash Conversion | 2514.89% | ||
| Profit Quality | 1041.29% | ||
| Current Ratio | 0.22 | ||
| Quick Ratio | 0.22 | ||
| Altman-Z | 0.24 |
F-Score4
WACC4.86%
ROIC/WACC0.03
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)101.1%
EPS 3Y53.09%
EPS 5Y12.62%
EPS Q2Q%-26.62%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3Y-22.04%
EPS Next 5Y10.35%
Revenue 1Y (TTM)9.54%
Revenue growth 3Y-11.28%
Revenue growth 5Y-8.41%
Sales Q2Q%22.48%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.54%
Revenue Next 5Y15.59%
EBIT growth 1Y-87.52%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.83%
OCF growth 3YN/A
OCF growth 5YN/A