7.98 USD
-0.39 (-4.66%)
7.98 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year CPSS was profitable.
- In the past year CPSS had a positive cash flow from operations.
- 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
- With a Return On Assets value of 0.51%, CPSS is not doing good in the industry: 73.58% of the companies in the same industry are doing better.
- CPSS's Return On Equity of 6.34% is on the low side compared to the rest of the industry. CPSS is outperformed by 71.70% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.32%, CPSS is doing worse than 64.15% of the companies in the same industry.
- CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This 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
- With a Profit Margin value of 4.65%, CPSS is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of CPSS has grown nicely.
- CPSS's Operating Margin of 3.97% is on the low side compared to the rest of the industry. CPSS is outperformed by 64.15% of its industry peers.
- In the last couple of years the Operating Margin of CPSS has declined.
- With a Gross Margin value of 46.23%, CPSS perfoms like the industry average, outperforming 43.40% of the companies in the same industry.
- In the last couple of years the Gross Margin of CPSS has declined.
| 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.
- CPSS has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CPSS has less shares outstanding
- The debt/assets ratio for CPSS is higher compared to a year ago.
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 (0.24) which is comparable to the rest of the industry.
- The Debt to FCF ratio of CPSS is 12.25, which is on the high side as it means it would take CPSS, 12.25 years of fcf income to pay off all of its debts.
- CPSS has a Debt to FCF ratio (12.25) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 11.17 is on the high side and indicates that CPSS has dependencies on debt financing.
- With a Debt to Equity ratio value of 11.17, CPSS is not doing good in the industry: 86.79% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.17 | ||
| Debt/FCF | 12.25 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.06
WACC5.17%
2.3 Liquidity
- A Current Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.16, CPSS is doing worse than 71.70% of the companies in the same industry.
- 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.
- CPSS has a Quick ratio of 0.16. This is in the lower half of the industry: CPSS underperforms 71.70% 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.
- 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.
- Measured over the past years, CPSS shows a small growth in Revenue. The Revenue has been growing by 1.50% on average per year.
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.
- The Revenue is expected to grow by 11.06% on average over the next years. This is quite good.
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.
- 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
- With a Price/Earnings ratio of 9.97, the valuation of CPSS can be described as very reasonable.
- The rest of the industry has a similar Price/Earnings ratio as CPSS.
- The average S&P500 Price/Earnings ratio is at 27.21. CPSS is valued rather cheaply when compared to this.
- CPSS is valuated cheaply with a Price/Forward Earnings ratio of 5.40.
- 84.91% of the companies in the same industry are more expensive than CPSS, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, CPSS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.98 | ||
| Fwd PE | 5.4 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than 66.04% of the companies in the same industry.
- 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 | 0.63 | ||
| EV/EBITDA | 205.74 |
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)0.34
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 9.98 and the Price/Book (PB) ratio is 0.57.
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.