ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Consumer Portfolio Services, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.59%
2
Poor long term growth as Net Sales has grown by an annual rate of 7.31% and Operating profit at 8.96%
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 298.91 MM
- INTEREST COVERAGE RATIO(Q) Highest at 113.74
- NET SALES(Q) Highest at USD 112.33 MM
4
With ROE of 6.24%, it has a very attractive valuation with a 0.53 Price to Book Value
- Over the past year, while the stock has generated a return of -0.52%, its profits have risen by 0.7%
5
High Institutional Holdings at 49.51%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 25.41% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -0.52% returns
Real-Time Research ReportHow 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.
-0.52%
0.34
44.25%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.31%
EBIT Growth (5y)
8.96%
EBIT to Interest (avg)
1.59
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.24%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
49.51%
ROCE (avg)
199.40%
ROE (avg)
19.59%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.53
EV to EBIT
-0.03
EV to EBITDA
-0.03
EV to Capital Employed
-0.05
EV to Sales
-0.02
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
6.24%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 298.91 MM
INTEREST COVERAGE RATIO(Q)
Highest at 113.74
NET SALES(Q)
Highest at USD 112.33 MM
PRE-TAX PROFIT(Q)
Highest at USD 8.03 MM
NET PROFIT(Q)
Highest at USD 5.54 MM
RAW MATERIAL COST(Y)
Fallen by -0.04% (YoY
EPS(Q)
Highest at USD 0.24
-4What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 1,115.27 %
INVENTORY TURNOVER RATIO(HY)
Lowest at 0 times
DEBTORS TURNOVER RATIO(HY)
Lowest at 0.12 times
Here's what is working for Consumer Portfolio Services, Inc.
Interest Coverage Ratio
Highest at 113.74 and Grown
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Operating Cash Flow
Highest at USD 298.91 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 112.33 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 8.03 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 5.54 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
EPS
Highest at USD 0.24
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by -0.04% (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.
Debt-Equity Ratio
Highest at 1,115.27 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Inventory Turnover Ratio
Lowest at 0 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling inventory has slowed
Inventory Turnover Ratio
Debtors Turnover Ratio
Lowest at 0.12 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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