CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis
USA - NASDAQ:CPSS - US2105021008 - Common Stock
8.67 USD
+0.19 (+2.24%)
8.67 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 may be a bit undervalued, certainly considering the very reasonable score on growth
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.
CPSS had positive earnings in each of the past 5 years.
Each year in the past 5 years CPSS had a positive operating cash flow.
1.2 Ratios
CPSS's Return On Assets of 0.52% is on the low side compared to the rest of the industry. CPSS is outperformed by 65.45% of its industry peers.
Looking at the Return On Equity, with a value of 6.41%, CPSS is doing worse than 61.82% of the companies in the same industry.
CPSS's Return On Invested Capital of 0.21% is in line compared to the rest of the industry. CPSS outperforms 43.64% of its industry peers.
CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This is significantly below the industry average of 11.76%.
| 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
The Profit Margin of CPSS (4.79%) is worse than 65.45% of its industry peers.
In the last couple of years the Profit Margin of CPSS has grown nicely.
CPSS has a Operating Margin (2.70%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CPSS has declined.
With a Gross Margin value of 46.69%, CPSS perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
CPSS's Gross Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CPSS is destroying value.
Compared to 1 year ago, CPSS has more shares outstanding
The number of shares outstanding for CPSS has been reduced compared to 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 60.00% 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.
The Debt to FCF ratio of CPSS (12.79) is comparable to the rest of the industry.
A Debt/Equity ratio of 11.20 is on the high side and indicates that CPSS has dependencies on debt financing.
The Debt to Equity ratio of CPSS (11.20) is worse than 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.2 | ||
| Debt/FCF | 12.79 | ||
| Altman-Z | 0.24 |
ROIC/WACC0.04
WACC5.22%
2.3 Liquidity
A Current Ratio of 0.26 indicates that CPSS may have some problems paying its short term obligations.
The Current ratio of CPSS (0.26) is worse than 69.09% of its industry peers.
CPSS has a Quick 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 Quick ratio value of 0.26, CPSS is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
| 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.
CPSS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.13%.
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)-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.
The Revenue is expected to grow by 13.90% on average over the next years. This is quite good.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 10.84 indicates a reasonable valuation of CPSS.
Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
CPSS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
CPSS is valuated cheaply with a Price/Forward Earnings ratio of 4.59.
CPSS's Price/Forward Earnings ratio is rather cheap when compared to the industry. CPSS is cheaper than 87.27% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.73. CPSS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.84 | ||
| Fwd PE | 4.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
98.18% of the companies in the same industry are more expensive than CPSS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.73 | ||
| EV/EBITDA | 300.51 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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)1.02
PEG (5Y)0.37
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 |
8.67
+0.19 (+2.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners24.34%
Inst Owner Change-0.06%
Ins Owners30.57%
Ins Owner Change-0.77%
Market Cap192.65M
Revenue(TTM)405.52M
Net Income(TTM)19.43M
Analysts85.71
Price Target15.3 (76.47%)
Short Float %2.44%
Short Ratio10.83
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-19.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.84 | ||
| Fwd PE | 4.59 | ||
| P/S | 0.48 | ||
| P/FCF | 0.73 | ||
| P/OCF | 0.72 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 300.51 |
EPS(TTM)0.8
EY9.23%
EPS(NY)1.89
Fwd EY21.76%
FCF(TTM)11.94
FCFY137.72%
OCF(TTM)11.98
OCFY138.12%
SpS18.25
BVpS13.64
TBVpS13.64
PEG (NY)1.02
PEG (5Y)0.37
Graham Number15.67
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%
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 | 11.2 | ||
| 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
WACC5.22%
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%
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 7 / 10 to CONSUMER PORTFOLIO SERVICES (CPSS). This can be considered as Undervalued.
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.