8.57 USD
+0.25 (+3%)
8.57 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to CPSS. CPSS was compared to 53 industry peers in the Consumer Finance industry. CPSS may be in some trouble as it scores bad on both profitability and health. CPSS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CPSS was profitable.
- CPSS had a positive operating cash flow in the past year.
- Each year in the past 5 years CPSS has been profitable.
- Each year in the past 5 years CPSS had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CPSS (0.51%) is worse than 73.58% of its industry peers.
- Looking at the Return On Equity, with a value of 6.34%, CPSS is doing worse than 71.70% 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 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
- CPSS's Profit Margin of 4.65% is on the low side compared to the rest of the industry. CPSS is outperformed by 71.70% of its industry peers.
- CPSS's Profit Margin has improved in the last couple of years.
- CPSS has a worse Operating Margin (3.97%) than 64.15% of its industry peers.
- In the last couple of years the Operating Margin of CPSS has declined.
- CPSS has a Gross Margin of 46.23%. This is comparable to the rest of the industry: CPSS outperforms 43.40% of its industry peers.
- CPSS's Gross Margin has declined in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
- CPSS has a worse debt/assets ratio than last year.
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.
- 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.
- With a Debt to FCF ratio value of 12.25, CPSS perfoms like the industry average, 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.
- The Debt to Equity ratio of CPSS (11.17) is worse than 86.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.21%
2.3 Liquidity
- A Current Ratio of 0.16 indicates that CPSS may have some problems paying 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 71.70% of its industry peers.
- CPSS has a Quick 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.
- The Quick ratio of CPSS (0.16) is worse 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%.
- 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.
- The Revenue has been growing slightly by 1.50% on average over the past years.
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.
- CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.06% yearly.
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.
- 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
- CPSS is valuated reasonably with a Price/Earnings ratio of 10.71.
- Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
- CPSS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- The Price/Forward Earnings ratio is 5.79, which indicates a rather cheap valuation of CPSS.
- Based on the Price/Forward Earnings ratio, CPSS is valued cheaply inside the industry as 84.91% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. CPSS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 5.79 |
4.2 Price Multiples
- 66.04% of the companies in the same industry are cheaper than CPSS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, CPSS is valued cheaply inside the industry as 98.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.67 | ||
| EV/EBITDA | 205.68 |
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% |
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 10.71 and the Price/Book (PB) ratio is 0.61.
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.