Consumer Portfolio Services Inc

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CPSS : NASDAQ : Financial
$4.29 | %
Today's Range: 4.18 - 4.32
Avg. Daily Volume: 60,100
09/23/16 - 3:54 PM ET

Financial Analysis


CONSUMER PORTFOLIO SVCS INC's gross profit margin for the second quarter of its fiscal year 2016 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has increased by 17.83% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)104.9388.36
EBITDA ($mil)32.2429.04
EBIT ($mil)32.0528.89
Net Income ($mil)7.278.54


Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)131.02218.56
Total Assets ($mil)2354.912031.9
Total Debt ($mil)2144.441863.6
Equity ($mil)171.97145.94


Profitability Q2 FY16 Q2 FY15
Gross Profit Margin30.7332.87
EBITDA Margin30.7232.86
Operating Margin30.5532.69
Sales Turnover0.170.16
Return on Assets1.371.6
Return on Equity18.7822.37
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Debt/Capital0.930.93
Interest Expense19.7313.69
Interest Coverage1.622.11


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)24.0926.15
Div / share0.00.0
EPS0.250.27
Book value / share7.145.58
Institutional Own % n/a n/a
Avg Daily Volume61405.061755.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 10.88 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 24.84. Conducting a second comparison, its price-to-book ratio of 0.59 indicates a significant discount versus the S&P 500 average of 2.78 and a discount versus the industry average of 1.87. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, CONSUMER PORTFOLIO SVCS INC proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
CPSS 4.00 Peers 10.88   CPSS 0.49 Peers 5.30

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

CPSS is trading at a significant discount to its peers.

 

Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

CPSS is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
CPSS 4.39 Peers 10.51   CPSS NM Peers 2.09

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

CPSS is trading at a significant discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

CPSS's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
CPSS 0.59 Peers 1.87   CPSS 3.92 Peers -16.00

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

CPSS is trading at a significant discount to its peers.

 

Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

CPSS is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
CPSS 0.26 Peers 1.69   CPSS 17.92 Peers 6.01

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

CPSS is trading at a significant discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

CPSS has a sales growth rate that significantly exceeds its peers.

 

 

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