Consumer Portfolio Services, Inc. (CPSS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

LendingTree, Inc.

Regional Management Corp.

SWK Holdings Corp.

Guild Holdings Co.

Waterstone Financial, Inc.

Consumer Portfolio Services, Inc.

Oportun Financial Corp.

Willis Lease Finance Corp.

Greystone Housing Impact Investors LP

CPI Card Group, Inc.

AFC Gamma, Inc.

Why is Consumer Portfolio Services, Inc. ?

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.59%

Poor long term growth as Net Sales has grown by an annual rate of 4.26% and Operating profit at 3.85%

Flat results in Jun 25

ROCE(HY) Lowest at 6.66%
DEBT-EQUITY RATIO (HY) Highest at 1,074.27 %
INTEREST(Q) Highest at USD 58.7 MM

With ROE of 6.47%, it has a attractive valuation with a 0.69 Price to Book Value

Over the past year, while the stock has generated a return of -21.02%, its profits have fallen by -46.5%

High Institutional Holdings at 50.19%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Below par performance in long term as well as near term

Along with generating -21.02% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Consumer Portfolio Services, Inc. should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Consumer Portfolio Services, Inc. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Consumer Portfolio Services, Inc.

-17.79%

-0.01

47.05%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.26%

EBIT Growth (5y)

3.85%

EBIT to Interest (avg)

1.59

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

30.24%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

50.19%

ROCE (avg)

199.40%

ROE (avg)

19.59%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.69

EV to EBIT

0.11

EV to EBITDA

0.10

EV to Capital Employed

0.20

EV to Sales

0.06

PEG Ratio

Dividend Yield

ROCE (Latest)

185.12%

ROE (Latest)

6.47%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bullish

Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

INTEREST COVERAGE RATIO(Q)

Highest at 107.16

OPERATING CASH FLOW(Y)

Highest at USD 266.09 MM

INVENTORY TURNOVER RATIO(HY)

Highest at 28.88 times

NET SALES(Q)

Highest at USD 106.76 MM

RAW MATERIAL COST(Y)

Fallen by -0.01% (YoY

-8What is not working for the Company

ROCE(HY)

Lowest at 6.66%

DEBT-EQUITY RATIO (HY)

Highest at 1,074.27 %

INTEREST(Q)

Highest at USD 58.7 MM

Here's what is working for Consumer Portfolio Services, Inc.

Interest Coverage Ratio

Highest at 107.16 and Grown

In each period in the last five periods

MOJO Watch

The company's ability to manage interest payments is improving

Operating Profit to Interest

Net Sales

Highest at USD 106.76 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Inventory Turnover Ratio

Highest at 28.88 times and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its inventory faster

Inventory Turnover Ratio

Operating Cash Flow

Highest at USD 266.09 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Raw Material Cost

Fallen by -0.01% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Consumer Portfolio Services, Inc.

Interest

Highest at USD 58.7 MM

in the last five periods and Increased by 6.89% (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Debt-Equity Ratio

Highest at 1,074.27 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio