CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
NASDAQ:CPSS - US2105021008 - Common Stock
7.99 USD
-0.07 (-0.87%)
7.99 USD
0 (0%)
We assign a fundamental rating of 4 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
CPSS had positive earnings in each of the past 5 years.
In the past 5 years CPSS always reported a positive cash flow from operatings.
1.2 Ratios
CPSS has a Return On Assets of 0.52%. This is in the lower half of the industry: CPSS underperforms 64.15% of its industry peers.
With a Return On Equity value of 6.41%, CPSS is not doing good in the industry: 60.38% of the companies in the same industry are doing better.
The Return On Invested Capital of CPSS (0.21%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for CPSS is significantly below the industry average of 10.74%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 6.41% | ||
| ROIC | 0.21% |
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 has a worse Profit Margin (4.79%) than 69.81% of its industry peers.
In the last couple of years the Profit Margin of CPSS has grown nicely.
With a Operating Margin value of 2.70%, CPSS is not doing good in the industry: 64.15% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of CPSS has declined.
CPSS has a Gross Margin (46.69%) which is in line with its industry peers.
In the last couple of years the Gross Margin of CPSS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.7% | ||
| PM (TTM) | 4.79% | ||
| GM | 46.69% |
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.
Compared to 1 year ago, CPSS has more shares outstanding
CPSS has less shares outstanding than it did 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.
CPSS has a Altman-Z score of 0.24. This is in the lower half of the industry: CPSS underperforms 64.15% of its industry peers.
The Debt to FCF ratio of CPSS is 12.79, which is on the high side as it means it would take CPSS, 12.79 years of fcf income to pay off all of its debts.
CPSS has a Debt to FCF ratio of 12.79. This is comparable to the rest of the industry: CPSS outperforms 49.06% of its industry peers.
A Debt/Equity ratio of 11.20 is on the high side and indicates that CPSS has dependencies on debt financing.
CPSS has a worse Debt to Equity ratio (11.20) than 84.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.04
WACC5.17%
2.3 Liquidity
CPSS has a Current Ratio of 0.26. This is a bad value and indicates that CPSS is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.26, CPSS is not doing good in the industry: 69.81% of the companies in the same industry are doing better.
A Quick Ratio of 0.26 indicates that CPSS may have some problems paying its short term obligations.
CPSS has a worse Quick ratio (0.26) than 69.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
CPSS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.62%.
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 16.13% in the past year. This is quite good.
CPSS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.50% yearly.
EPS 1Y (TTM)-25.62%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%3.01%
Revenue 1Y (TTM)16.13%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%21.45%
3.2 Future
CPSS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.53% yearly.
CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.90% yearly.
EPS Next Y10.59%
EPS Next 2Y47.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.48%
Revenue Next 2Y13.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CPSS is valuated reasonably with a Price/Earnings ratio of 9.99.
Based on the Price/Earnings ratio, CPSS is valued a bit cheaper than the industry average as 64.15% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.08, CPSS is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.23, the valuation of CPSS can be described as very cheap.
86.79% of the companies in the same industry are more expensive than CPSS, based on the Price/Forward Earnings ratio.
CPSS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 4.23 |
4.2 Price Multiples
64.15% of the companies in the same industry are cheaper than CPSS, based on the Enterprise Value to EBITDA ratio.
CPSS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CPSS is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.67 | ||
| EV/EBITDA | 299.37 |
4.3 Compensation for Growth
CPSS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CPSS's earnings are expected to grow with 47.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.94
PEG (5Y)0.34
EPS Next 2Y47.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CPSS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
7.99
-0.07 (-0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.87%
Inst Owner Change0.31%
Ins Owners31.96%
Ins Owner Change4.84%
Market Cap177.54M
Analysts85.71
Price Target15.3 (91.49%)
Short Float %2.39%
Short Ratio12.04
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)-31.25%
Min EPS beat(2)-37.91%
Max EPS beat(2)-24.59%
EPS beat(4)0
Avg EPS beat(4)-23.22%
Min EPS beat(4)-37.91%
Max EPS beat(4)-6.63%
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)-3.29%
Min Revenue beat(2)-4.74%
Max Revenue beat(2)-1.84%
Revenue beat(4)2
Avg Revenue beat(4)-1.37%
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)0%
PT rev (3m)-16.67%
EPS NQ rev (1m)-19.35%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-19.66%
EPS NY rev (3m)-19.66%
Revenue NQ rev (1m)-1.91%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.24%
Revenue NY rev (3m)-1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 4.23 | ||
| P/S | 0.44 | ||
| P/FCF | 0.67 | ||
| P/OCF | 0.67 | ||
| P/B | 0.59 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 299.37 |
EPS(TTM)0.8
EY10.01%
EPS(NY)1.89
Fwd EY23.62%
FCF(TTM)11.94
FCFY149.44%
OCF(TTM)11.98
OCFY149.88%
SpS18.25
BVpS13.64
TBVpS13.64
PEG (NY)0.94
PEG (5Y)0.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 6.41% | ||
| ROCE | 0.3% | ||
| ROIC | 0.21% | ||
| ROICexc | 0.21% | ||
| ROICexgc | 0.22% | ||
| OM | 2.7% | ||
| PM (TTM) | 4.79% | ||
| GM | 46.69% | ||
| FCFM | 65.43% |
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-61.84%
ROICexcg 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 | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Debt/EBITDA | 285.63 | ||
| Cap/Depr | 83.55% | ||
| Cap/Sales | 0.19% | ||
| Interest Coverage | 0.05 | ||
| Cash Conversion | 2239.79% | ||
| Profit Quality | 1365.35% | ||
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 | ||
| Altman-Z | 0.24 |
F-Score5
WACC5.17%
ROIC/WACC0.04
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)-25.62%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%3.01%
EPS Next Y10.59%
EPS Next 2Y47.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.13%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%21.45%
Revenue Next Year13.48%
Revenue Next 2Y13.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-25.84%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23%
FCF growth 3Y5.95%
FCF growth 5Y1.55%
OCF growth 1Y22.68%
OCF growth 3Y5.65%
OCF growth 5Y1.52%