Financhill
Buy
63

CPSS Quote, Financials, Valuation and Earnings

Last price:
$9.37
Seasonality move :
7.31%
Day range:
$9.24 - $9.55
52-week range:
$7.99 - $12.73
Dividend yield:
0%
P/E ratio:
11.99x
P/S ratio:
1.12x
P/B ratio:
0.68x
Volume:
47.7K
Avg. volume:
21.9K
1-year change:
-9.72%
Market cap:
$204.2M
Revenue:
$202.2M
EPS (TTM):
$0.79

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
CPSS
Consumer Portfolio Services
$109.6M $0.26 122.95% 36.84% $15.00
AXP
American Express
$17.7B $3.88 8.37% -7.17% $318.02
CACC
Credit Acceptance
$581.1M $9.83 9.79% 90.31% $495.25
IROQ
IF Bancorp
-- -- -- -- --
PMTS
CPI Card Group
$133M $0.69 11.9% 39.22% $36.75
SEZL
Sezzle
$94.9M $0.58 69.62% -29.41% $161.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CPSS
Consumer Portfolio Services
$9.47 $15.00 $204.2M 11.99x $0.00 0% 1.12x
AXP
American Express
$311.90 $318.02 $218.5B 21.78x $0.82 0.98% 3.29x
CACC
Credit Acceptance
$500.98 $495.25 $5.8B 21.37x $0.00 0% 2.82x
IROQ
IF Bancorp
$24.30 -- $78.5M 23.82x $0.20 1.65% 3.11x
PMTS
CPI Card Group
$21.79 $36.75 $245.8M 13.70x $0.00 0% 0.53x
SEZL
Sezzle
$144.96 $161.00 $4.8B 49.03x $0.00 0% 15.89x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CPSS
Consumer Portfolio Services
91.71% 0.974 1770.02% 0.07x
AXP
American Express
62.85% 1.832 27.99% 3.47x
CACC
Credit Acceptance
79.67% 0.669 110.54% 16.34x
IROQ
IF Bancorp
52.14% 0.094 110.48% 8.76x
PMTS
CPI Card Group
111.84% 2.377 85.29% 1.64x
SEZL
Sezzle
35.72% 10.250 5.9% 2.35x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CPSS
Consumer Portfolio Services
-- -- 0.58% 6.72% 118.79% $73.4M
AXP
American Express
-- -- 12.47% 34.37% 31.21% $4.3B
CACC
Credit Acceptance
$342.9M $134.1M 3.7% 17.43% 23.85% $345.9M
IROQ
IF Bancorp
-- -- 1.93% 4.34% 106.44% $1.8M
PMTS
CPI Card Group
$40.7M $14.1M 8.02% -- 11.49% $292K
SEZL
Sezzle
$74.5M $49.9M 69.91% 150.41% 47.58% $58.5M

Consumer Portfolio Services vs. Competitors

  • Which has Higher Returns CPSS or AXP?

    American Express has a net margin of 9.04% compared to Consumer Portfolio Services's net margin of 15.23%. Consumer Portfolio Services's return on equity of 6.72% beat American Express's return on equity of 34.37%.

    Company Gross Margin Earnings Per Share Invested Capital
    CPSS
    Consumer Portfolio Services
    -- $0.19 $3.6B
    AXP
    American Express
    -- $3.64 $84B
  • What do Analysts Say About CPSS or AXP?

    Consumer Portfolio Services has a consensus price target of $15.00, signalling upside risk potential of 58.4%. On the other hand American Express has an analysts' consensus of $318.02 which suggests that it could grow by 1.96%. Given that Consumer Portfolio Services has higher upside potential than American Express, analysts believe Consumer Portfolio Services is more attractive than American Express.

    Company Buy Ratings Hold Ratings Sell Ratings
    CPSS
    Consumer Portfolio Services
    0 0 0
    AXP
    American Express
    8 17 1
  • Is CPSS or AXP More Risky?

    Consumer Portfolio Services has a beta of 0.951, which suggesting that the stock is 4.886% less volatile than S&P 500. In comparison American Express has a beta of 1.252, suggesting its more volatile than the S&P 500 by 25.162%.

  • Which is a Better Dividend Stock CPSS or AXP?

    Consumer Portfolio Services has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. American Express offers a yield of 0.98% to investors and pays a quarterly dividend of $0.82 per share. Consumer Portfolio Services pays -- of its earnings as a dividend. American Express pays out 19.74% of its earnings as a dividend. American Express's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CPSS or AXP?

    Consumer Portfolio Services quarterly revenues are $52M, which are smaller than American Express quarterly revenues of $17B. Consumer Portfolio Services's net income of $4.7M is lower than American Express's net income of $2.6B. Notably, Consumer Portfolio Services's price-to-earnings ratio is 11.99x while American Express's PE ratio is 21.78x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services is 1.12x versus 3.29x for American Express. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CPSS
    Consumer Portfolio Services
    1.12x 11.99x $52M $4.7M
    AXP
    American Express
    3.29x 21.78x $17B $2.6B
  • Which has Higher Returns CPSS or CACC?

    Credit Acceptance has a net margin of 9.04% compared to Consumer Portfolio Services's net margin of 18.91%. Consumer Portfolio Services's return on equity of 6.72% beat Credit Acceptance's return on equity of 17.43%.

    Company Gross Margin Earnings Per Share Invested Capital
    CPSS
    Consumer Portfolio Services
    -- $0.19 $3.6B
    CACC
    Credit Acceptance
    60.98% $8.66 $8.4B
  • What do Analysts Say About CPSS or CACC?

    Consumer Portfolio Services has a consensus price target of $15.00, signalling upside risk potential of 58.4%. On the other hand Credit Acceptance has an analysts' consensus of $495.25 which suggests that it could fall by -1.17%. Given that Consumer Portfolio Services has higher upside potential than Credit Acceptance, analysts believe Consumer Portfolio Services is more attractive than Credit Acceptance.

    Company Buy Ratings Hold Ratings Sell Ratings
    CPSS
    Consumer Portfolio Services
    0 0 0
    CACC
    Credit Acceptance
    0 3 1
  • Is CPSS or CACC More Risky?

    Consumer Portfolio Services has a beta of 0.951, which suggesting that the stock is 4.886% less volatile than S&P 500. In comparison Credit Acceptance has a beta of 1.148, suggesting its more volatile than the S&P 500 by 14.829%.

  • Which is a Better Dividend Stock CPSS or CACC?

    Consumer Portfolio Services has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Credit Acceptance offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services pays -- of its earnings as a dividend. Credit Acceptance pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios CPSS or CACC?

    Consumer Portfolio Services quarterly revenues are $52M, which are smaller than Credit Acceptance quarterly revenues of $562.3M. Consumer Portfolio Services's net income of $4.7M is lower than Credit Acceptance's net income of $106.3M. Notably, Consumer Portfolio Services's price-to-earnings ratio is 11.99x while Credit Acceptance's PE ratio is 21.37x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services is 1.12x versus 2.82x for Credit Acceptance. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CPSS
    Consumer Portfolio Services
    1.12x 11.99x $52M $4.7M
    CACC
    Credit Acceptance
    2.82x 21.37x $562.3M $106.3M
  • Which has Higher Returns CPSS or IROQ?

    IF Bancorp has a net margin of 9.04% compared to Consumer Portfolio Services's net margin of 15.8%. Consumer Portfolio Services's return on equity of 6.72% beat IF Bancorp's return on equity of 4.34%.

    Company Gross Margin Earnings Per Share Invested Capital
    CPSS
    Consumer Portfolio Services
    -- $0.19 $3.6B
    IROQ
    IF Bancorp
    -- $0.31 $164.9M
  • What do Analysts Say About CPSS or IROQ?

    Consumer Portfolio Services has a consensus price target of $15.00, signalling upside risk potential of 58.4%. On the other hand IF Bancorp has an analysts' consensus of -- which suggests that it could fall by --. Given that Consumer Portfolio Services has higher upside potential than IF Bancorp, analysts believe Consumer Portfolio Services is more attractive than IF Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    CPSS
    Consumer Portfolio Services
    0 0 0
    IROQ
    IF Bancorp
    0 0 0
  • Is CPSS or IROQ More Risky?

    Consumer Portfolio Services has a beta of 0.951, which suggesting that the stock is 4.886% less volatile than S&P 500. In comparison IF Bancorp has a beta of 0.316, suggesting its less volatile than the S&P 500 by 68.385%.

  • Which is a Better Dividend Stock CPSS or IROQ?

    Consumer Portfolio Services has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. IF Bancorp offers a yield of 1.65% to investors and pays a quarterly dividend of $0.20 per share. Consumer Portfolio Services pays -- of its earnings as a dividend. IF Bancorp pays out 71.45% of its earnings as a dividend. IF Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CPSS or IROQ?

    Consumer Portfolio Services quarterly revenues are $52M, which are larger than IF Bancorp quarterly revenues of $6.4M. Consumer Portfolio Services's net income of $4.7M is higher than IF Bancorp's net income of $1M. Notably, Consumer Portfolio Services's price-to-earnings ratio is 11.99x while IF Bancorp's PE ratio is 23.82x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services is 1.12x versus 3.11x for IF Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CPSS
    Consumer Portfolio Services
    1.12x 11.99x $52M $4.7M
    IROQ
    IF Bancorp
    3.11x 23.82x $6.4M $1M
  • Which has Higher Returns CPSS or PMTS?

    CPI Card Group has a net margin of 9.04% compared to Consumer Portfolio Services's net margin of 3.89%. Consumer Portfolio Services's return on equity of 6.72% beat CPI Card Group's return on equity of --.

    Company Gross Margin Earnings Per Share Invested Capital
    CPSS
    Consumer Portfolio Services
    -- $0.19 $3.6B
    PMTS
    CPI Card Group
    33.15% $0.40 $250.9M
  • What do Analysts Say About CPSS or PMTS?

    Consumer Portfolio Services has a consensus price target of $15.00, signalling upside risk potential of 58.4%. On the other hand CPI Card Group has an analysts' consensus of $36.75 which suggests that it could grow by 68.66%. Given that CPI Card Group has higher upside potential than Consumer Portfolio Services, analysts believe CPI Card Group is more attractive than Consumer Portfolio Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    CPSS
    Consumer Portfolio Services
    0 0 0
    PMTS
    CPI Card Group
    4 0 0
  • Is CPSS or PMTS More Risky?

    Consumer Portfolio Services has a beta of 0.951, which suggesting that the stock is 4.886% less volatile than S&P 500. In comparison CPI Card Group has a beta of 1.297, suggesting its more volatile than the S&P 500 by 29.746%.

  • Which is a Better Dividend Stock CPSS or PMTS?

    Consumer Portfolio Services has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. CPI Card Group offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services pays -- of its earnings as a dividend. CPI Card Group pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios CPSS or PMTS?

    Consumer Portfolio Services quarterly revenues are $52M, which are smaller than CPI Card Group quarterly revenues of $122.8M. Consumer Portfolio Services's net income of $4.7M is lower than CPI Card Group's net income of $4.8M. Notably, Consumer Portfolio Services's price-to-earnings ratio is 11.99x while CPI Card Group's PE ratio is 13.70x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services is 1.12x versus 0.53x for CPI Card Group. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CPSS
    Consumer Portfolio Services
    1.12x 11.99x $52M $4.7M
    PMTS
    CPI Card Group
    0.53x 13.70x $122.8M $4.8M
  • Which has Higher Returns CPSS or SEZL?

    Sezzle has a net margin of 9.04% compared to Consumer Portfolio Services's net margin of 34.47%. Consumer Portfolio Services's return on equity of 6.72% beat Sezzle's return on equity of 150.41%.

    Company Gross Margin Earnings Per Share Invested Capital
    CPSS
    Consumer Portfolio Services
    -- $0.19 $3.6B
    SEZL
    Sezzle
    71.06% $1.00 $195.7M
  • What do Analysts Say About CPSS or SEZL?

    Consumer Portfolio Services has a consensus price target of $15.00, signalling upside risk potential of 58.4%. On the other hand Sezzle has an analysts' consensus of $161.00 which suggests that it could grow by 11.07%. Given that Consumer Portfolio Services has higher upside potential than Sezzle, analysts believe Consumer Portfolio Services is more attractive than Sezzle.

    Company Buy Ratings Hold Ratings Sell Ratings
    CPSS
    Consumer Portfolio Services
    0 0 0
    SEZL
    Sezzle
    3 0 0
  • Is CPSS or SEZL More Risky?

    Consumer Portfolio Services has a beta of 0.951, which suggesting that the stock is 4.886% less volatile than S&P 500. In comparison Sezzle has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock CPSS or SEZL?

    Consumer Portfolio Services has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Sezzle offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services pays -- of its earnings as a dividend. Sezzle pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios CPSS or SEZL?

    Consumer Portfolio Services quarterly revenues are $52M, which are smaller than Sezzle quarterly revenues of $104.9M. Consumer Portfolio Services's net income of $4.7M is lower than Sezzle's net income of $36.2M. Notably, Consumer Portfolio Services's price-to-earnings ratio is 11.99x while Sezzle's PE ratio is 49.03x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services is 1.12x versus 15.89x for Sezzle. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CPSS
    Consumer Portfolio Services
    1.12x 11.99x $52M $4.7M
    SEZL
    Sezzle
    15.89x 49.03x $104.9M $36.2M

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