Consumer Portfolio Services Inc

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CPSS : NASDAQ : Financial
$4.65 | %
Today's Range: 0.0 - 0.0
Avg. Daily Volume: 57900.0
03/23/17 - 4:00 PM ET

Financial Analysis


CONSUMER PORTFOLIO SVCS INC's gross profit margin for the fourth 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 15.54% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)108.1895.31
EBITDA ($mil)0.031.99
EBIT ($mil)34.1531.82
Net Income ($mil)7.478.97


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)126.69125.38
Total Assets ($mil)2410.42142.91
Total Debt ($mil)2199.211952.24
Equity ($mil)186.22161.16


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin31.5733.56
EBITDA Margin0.033.56
Operating Margin31.5733.39
Sales Turnover0.180.17
Return on Assets1.211.61
Return on Equity15.7321.51
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.920.92
Interest Expense21.516.04
Interest Coverage1.591.98


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)23.7725.62
Div / share0.00.0
EPS0.260.29
Book value / share7.846.29
Institutional Own % n/a n/a
Avg Daily Volume52204.064257.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 13.68 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 26.73. For additional comparison, its price-to-book ratio of 0.69 indicates a significant discount versus the S&P 500 average of 2.98 and a significant discount versus the industry average of 2.23. 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 5.32 Peers 13.68   CPSS NA Peers 6.46

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.

 

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

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
CPSS 5.37 Peers 13.36   CPSS NM Peers 7.86

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 2.23   CPSS -8.19 Peers -2.01

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 2.02   CPSS 16.12 Peers 6.35

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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