CONSUMER PORTFOLIO SERVICES (CPSS)
US2105021008 - Common Stock
CPSS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. There are concerns on the financial health of CPSS while its profitability can be described as average. CPSS has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
Each year in the past 5 years CPSS had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.56%, CPSS is in line with its industry, outperforming 52.94% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.52%, CPSS is in the better half of the industry, outperforming 76.47% of the companies in the same industry.
The Return On Invested Capital of CPSS (1.28%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for CPSS is below the industry average of 6.56%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.56% | ||
| ROE | 16.52% | ||
| ROIC | 1.28% |
ROA(3y)2.3%
ROA(5y)1.62%
ROE(3y)27.36%
ROE(5y)20.2%
ROIC(3y)2.17%
ROIC(5y)1.81%
1.3 Margins
CPSS's Profit Margin of 13.35% is fine compared to the rest of the industry. CPSS outperforms 64.71% of its industry peers.
CPSS's Profit Margin has improved in the last couple of years.
CPSS's Operating Margin of 14.42% is fine compared to the rest of the industry. CPSS outperforms 60.78% of its industry peers.
CPSS's Operating Margin has improved in the last couple of years.
CPSS has a better Gross Margin (56.87%) than 60.78% of its industry peers.
CPSS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.42% | ||
| PM (TTM) | 13.35% | ||
| GM | 56.87% |
OM growth 3Y-11.99%
OM growth 5Y24.66%
PM growth 3Y22.71%
PM growth 5Y28.39%
GM growth 3Y-4.99%
GM growth 5Y-5.12%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CPSS is destroying value.
Compared to 1 year ago, CPSS has more shares outstanding
CPSS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CPSS has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.32, we must say that CPSS is in the distress zone and has some risk of bankruptcy.
CPSS has a Altman-Z score (0.32) which is in line with its industry peers.
The Debt to FCF ratio of CPSS is 10.81, which is on the high side as it means it would take CPSS, 10.81 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 10.81, CPSS perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
CPSS has a Debt/Equity ratio of 9.34. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 9.34, CPSS is doing worse than 86.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.34 | ||
| Debt/FCF | 10.81 | ||
| Altman-Z | 0.32 |
ROIC/WACC0.27
WACC4.82%
2.3 Liquidity
CPSS has a Current Ratio of 0.49. 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 0.49 is on the low side compared to the rest of the industry. CPSS is outperformed by 64.71% of its industry peers.
A Quick Ratio of 0.49 indicates that CPSS may have some problems paying its short term obligations.
CPSS's Quick ratio of 0.49 is on the low side compared to the rest of the industry. CPSS is outperformed by 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 |
3. Growth
3.1 Past
The earnings per share for CPSS have decreased strongly by -44.10% 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 24.97% on average per year.
The Revenue has grown by 8.17% in the past year. This is quite good.
The Revenue has been decreasing by -2.70% on average over the past years.
EPS 1Y (TTM)-44.1%
EPS 3Y25.95%
EPS 5Y24.97%
EPS growth Q2Q-51.04%
Revenue 1Y (TTM)8.17%
Revenue growth 3Y4.18%
Revenue growth 5Y-2.7%
Revenue growth Q2Q3.59%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.98, the valuation of CPSS can be described as very cheap.
CPSS's Price/Earnings ratio is rather cheap when compared to the industry. CPSS is cheaper than 86.27% of the companies in the same industry.
When comparing the Price/Earnings ratio of CPSS to the average of the S&P500 Index (27.73), we can say CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.98 | ||
| Fwd PE | N/A |
4.2 Price Multiples
CPSS's Enterprise Value to EBITDA ratio is in line with the industry average.
CPSS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CPSS is cheaper than 94.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.79 | ||
| EV/EBITDA | 55.09 |
4.3 Compensation for Growth
The decent profitability rating of CPSS may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CPSS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CONSUMER PORTFOLIO SERVICES
NASDAQ:CPSS (5/3/2024, 7:00:00 PM)
After market: 8.91 0 (0%)8.91
+0.13 (+1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap188.27M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
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Div Incr Years
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Surprises & Revisions
EPS beat(2)
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PT rev (1m)
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Revenue NY rev (1m)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.98 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.56% | ||
| ROE | 16.52% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 14.42% | ||
| PM (TTM) | 13.35% | ||
| GM | 56.87% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.34 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-44.1%
EPS 3Y25.95%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)8.17%
Revenue growth 3Y4.18%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y