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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

LendingTree, Inc.

Regional Management Corp.

Guild Holdings Co.

Consumer Portfolio Services, Inc.

Waterstone Financial, Inc.

AFC Gamma, Inc.

SWK Holdings Corp.

Willis Lease Finance Corp.

Oportun Financial Corp.

CPI Card Group, Inc.

Greystone Housing Impact Investors LP

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 7.31% and Operating profit at 8.96%

Positive results in Jun 26

OPERATING CASH FLOW(Y) Highest at USD 350.54 MM
INTEREST COVERAGE RATIO(Q) Highest at 114.45
NET SALES(Q) Highest at USD 121.39 MM

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 13.35%, its profits have risen by 0.7%

High Institutional Holdings at 50.88%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.37% over the previous quarter.

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, Medium Return

Absolute

Risk Adjusted

Volatility

Consumer Portfolio Services, Inc.

13.35%

0.26

42.41%

S&P 500

15.36%

1.17

13.09%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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)

Sales to Capital Employed (avg)

Tax Ratio

30.24%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

49.51%

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

0.53

EV to EBIT

-0.03

EV to EBITDA

-0.03

EV to Capital Employed

-0.05

EV to Sales

-0.02

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

6.24%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

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

14What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 350.54 MM

INTEREST COVERAGE RATIO(Q)

Highest at 114.45

NET SALES(Q)

Highest at USD 121.39 MM

PRE-TAX PROFIT(Q)

Highest at USD 9.04 MM

NET PROFIT(Q)

Highest at USD 6.23 MM

RAW MATERIAL COST(Y)

Fallen by -0.02% (YoY

EPS(Q)

Highest at USD 0.27

-4What is not working for the Company

DEBT-EQUITY RATIO (HY)

Highest at 1,205.85 %

DEBTORS TURNOVER RATIO(HY)

Lowest at 0.12 times

INTEREST(Q)

Highest at USD 64.25 MM

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

Interest Coverage Ratio

Highest at 114.45 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

Operating Cash Flow

Highest at USD 350.54 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 121.39 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 9.04 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 6.23 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

EPS

Highest at USD 0.27

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Raw Material Cost

Fallen by -0.02% (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 1,205.85 % and Grown

In each half year 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

Interest

Highest at USD 64.25 MM

in the last five periods and Increased by 6.98% (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Debtors Turnover Ratio

Lowest at 0.12 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio