9.2 USD
-0.04 (-0.43%)
9.2 USD
0 (0%)
Taking everything into account, CPSS scores 3 out of 10 in our fundamental rating. CPSS was compared to 55 industry peers in the Consumer Finance industry. CPSS has a bad profitability rating. Also its financial health evaluation is rather negative. CPSS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CPSS was profitable.
CPSS had a positive operating cash flow in the past year.
In the past 5 years CPSS has always been profitable.
Each year in the past 5 years CPSS had a positive operating cash flow.
1.2 Ratios
CPSS has a worse Return On Assets (0.51%) than 69.09% of its industry peers.
CPSS has a worse Return On Equity (6.34%) than 65.45% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.32%, CPSS is doing worse than 60.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CPSS is significantly below the industry average of 12.59%.
| 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.
In the last couple of years the Profit Margin of CPSS has grown nicely.
CPSS has a Operating Margin of 3.97%. This is in the lower half of the industry: CPSS underperforms 60.00% of its industry peers.
In the last couple of years the Operating Margin of CPSS has declined.
CPSS has a Gross Margin (46.23%) which is in line with 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
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.
Compared to 1 year ago, CPSS has a worse debt to assets ratio.
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 is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
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 worse Debt to Equity ratio (11.17) than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.25%
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 76.36% of its industry peers.
A Quick Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
The Quick ratio of CPSS (0.16) is worse than 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.
Measured over the past years, CPSS shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.11% on average per year.
Looking at the last year, CPSS shows a quite strong growth in Revenue. The Revenue has grown by 16.94% 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)-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
Based on the Price/Earnings ratio of 11.50, the valuation of CPSS can be described as reasonable.
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 26.54, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.22 indicates a rather cheap valuation of CPSS.
85.45% of the companies in the same industry are more expensive than CPSS, based on the Price/Forward Earnings ratio.
CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.5 | ||
| Fwd PE | 6.22 |
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 61.82% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CPSS is valued cheaply inside the industry as 98.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.72 | ||
| EV/EBITDA | 206.83 |
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)0.39
EPS Next 2Y30.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.2
-0.04 (-0.43%)
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-0.92%
Market Cap203.04M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (55.22%)
Short Float %2.83%
Short Ratio11.05
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)-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)-6.67%
PT rev (3m)-6.67%
EPS NQ rev (1m)-23.33%
EPS NQ rev (3m)-23.33%
EPS NY rev (1m)-12.77%
EPS NY rev (3m)-12.77%
Revenue NQ rev (1m)-3.87%
Revenue NQ rev (3m)-3.87%
Revenue NY rev (1m)-1.7%
Revenue NY rev (3m)-1.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.5 | ||
| Fwd PE | 6.22 | ||
| P/S | 0.48 | ||
| P/FCF | 0.72 | ||
| P/OCF | 0.72 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | 206.83 |
EPS(TTM)0.8
EY8.7%
EPS(NY)1.48
Fwd EY16.08%
FCF(TTM)12.71
FCFY138.16%
OCF(TTM)12.74
OCFY138.52%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.39
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 | 0.24 |
F-Score5
WACC5.25%
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.
Can you provide the valuation status for CONSUMER PORTFOLIO SERVICES?
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.
Can you provide the financial health for CPSS stock?
The financial health rating of CONSUMER PORTFOLIO SERVICES (CPSS) is 1 / 10.