8.37 USD
+0.13 (+1.58%)
8.37 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. 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.
- 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 has a worse Return On Assets (0.51%) than 72.22% of its industry peers.
- CPSS's Return On Equity of 6.34% is on the low side compared to the rest of the industry. CPSS is outperformed by 70.37% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.32%, CPSS is doing worse than 62.96% of the companies in the same industry.
- 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 70.37% of its industry peers.
- In the last couple of years the Profit Margin of CPSS has grown nicely.
- CPSS has a worse Operating Margin (3.97%) than 62.96% of its industry peers.
- CPSS's Operating Margin has declined in the last couple of years.
- CPSS's Gross Margin of 46.23% is in line compared to the rest of the industry. CPSS outperforms 42.59% 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
- 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.
- Compared to 5 years ago, CPSS has less shares outstanding
- 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 42.59% 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.
- CPSS has a Debt to FCF ratio of 12.25. This is comparable to the rest of the industry: CPSS outperforms 59.26% of its industry peers.
- 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 85.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.2%
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.
- The Current ratio of CPSS (0.16) is worse than 72.22% of its industry peers.
- A Quick Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
- With a Quick ratio value of 0.16, CPSS is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
| 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.
- The Earnings Per Share has been growing by 29.11% on average over the past years. This is a very strong growth
- 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
- The Earnings Per Share is expected to grow by 30.61% on average over the next years. This is a very strong growth
- 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
- A Price/Earnings ratio of 10.46 indicates a reasonable valuation of CPSS.
- CPSS's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, CPSS is valued rather cheaply.
- With a Price/Forward Earnings ratio of 5.66, 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 87.04% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. CPSS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 5.66 |
4.2 Price Multiples
- CPSS's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CPSS is more expensive than 64.81% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.66 | ||
| EV/EBITDA | 205.58 |
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)0.36
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CPSS does not give a dividend.
| 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 10.46 and the Price/Book (PB) ratio is 0.6.
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.