Company Analysis Consumer Portfolio Services, Inc.
1. Summary
Advantages
- Price (7.3 $) is less than fair price (15.03 $)
- The stock's return over the last year (12.38%) is higher than the sector average (-28.64%).
- Current debt level 80.51% is below 100% and has decreased over 5 years from 90.16%.
- The company's current efficiency (ROE=16.51%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Dividends (0%) are below the sector average (1.71%).
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Consumer Portfolio Services, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 0.7% | -7.3% | -5.3% |
| 90 days | 11.5% | -42.3% | -0.3% |
| 1 year | 12.4% | -28.6% | 18.9% |
CPSS vs Sector: Consumer Portfolio Services, Inc. has outperformed the "Financials" sector by 41.02% over the past year.
CPSS vs Market: Consumer Portfolio Services, Inc. has significantly underperformed the market by -6.56% over the past year.
Stable price: CPSS is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CPSS with weekly volatility of 0.2381% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (7.3 $) is lower than the fair price (15.03 $).
Price significantly below the fair price: The current price (7.3 $) is 105.9% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (5.46) is lower than that of the sector as a whole (39.55).
P/E vs Market: The company's P/E (5.46) is lower than that of the market as a whole (51.48).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.9007) is higher than that of the sector as a whole (0.6713).
P/BV vs Market: The company's P/BV (0.9007) is lower than that of the market as a whole (3.44).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.7276) is lower than that of the sector as a whole (4.91).
P/S vs Market: The company's P/S indicator (0.7276) is lower than that of the market as a whole (10.3).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (13.7) is lower than that of the sector as a whole (41.11).
EV/Ebitda vs Market: The company's EV/Ebitda (13.7) is lower than that of the market as a whole (29.6).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 21.79% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (21.79%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (29.02%).
5.4. ROE
ROE vs Sector: The company's ROE (16.51%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (16.51%) is higher than that of the market as a whole (8.95%).
5.5. ROA
ROA vs Sector: The company's ROA (1.56%) is lower than that of the sector as a whole (5.76%).
ROA vs Market: The company's ROA (1.56%) is lower than that of the market as a whole (6.3%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '1.71%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (17.4%) are at an uncomfortable level.
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