Consumer Portfolio Services Inc

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CPSS : NASDAQ : Financial
$4.9 | %
Today's Range: 4.81 - 5.089
Avg. Daily Volume: 61300.0
01/20/17 - 4:00 PM ET

Financial Analysis


CONSUMER PORTFOLIO SVCS INC's gross profit margin for the third 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 15.40% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)108.5293.99
EBITDA ($mil)33.5530.67
EBIT ($mil)33.3530.5
Net Income ($mil)7.358.84


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)127.9227.54
Total Assets ($mil)2389.042160.39
Total Debt ($mil)2176.31976.28
Equity ($mil)179.17155.26


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin30.9232.63
EBITDA Margin30.9132.62
Operating Margin30.7332.45
Sales Turnover0.170.16
Return on Assets1.281.56
Return on Equity17.1921.72
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.920.93
Interest Expense20.8914.85
Interest Coverage1.62.05


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)23.7726.03
Div / share0.00.0
EPS0.260.28
Book value / share7.545.96
Institutional Own % n/a n/a
Avg Daily Volume62049.057555.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 13.28 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 25.49. Conducting a second comparison, its price-to-book ratio of 0.69 indicates a significant discount versus the S&P 500 average of 2.84 and a discount versus the industry average of 2.19. 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 4.97 Peers 13.28   CPSS 0.59 Peers 7.89

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 5.20 Peers 12.70   CPSS NM Peers 5.57

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 0.69 Peers 2.19   CPSS -1.89 Peers 2.20

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.

 

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

However, CPSS is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
CPSS 0.30 Peers 2.03   CPSS 16.37 Peers 6.11

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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