Consumer Portfolio Services Inc

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CPSS : NASDAQ : Financial
$4.67 | %
Today's Range: 4.6 - 4.77
Avg. Daily Volume: 47500.0
07/21/17 - 4:00 PM ET

Financial Analysis


CONSUMER PORTFOLIO SVCS INC's gross profit margin for the first quarter of its fiscal year 2017 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 13.78% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)107.6100.65
EBITDA ($mil)30.1130.23
EBIT ($mil)29.8830.05
Net Income ($mil)4.487.21


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)141.27142.2
Total Assets ($mil)2430.982249.96
Total Debt ($mil)2217.62050.38
Equity ($mil)189.67166.69


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin27.9830.03
EBITDA Margin27.9830.03
Operating Margin27.7729.86
Sales Turnover0.180.17
Return on Assets1.091.49
Return on Equity14.020.13
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.920.92
Interest Expense22.0917.82
Interest Coverage1.351.69


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)23.2824.93
Div / share0.00.0
EPS0.160.24
Book value / share8.156.69
Institutional Own % n/a n/a
Avg Daily Volume47692.078160.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 14.26 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 24.41. For additional comparison, its price-to-book ratio of 0.58 indicates a significant discount versus the S&P 500 average of 3.04 and a significant discount versus the industry average of 2.27. 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 5.05 Peers 14.26   CPSS 0.55 Peers 6.99

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 5.88 Peers 14.32   CPSS NM Peers 9.70

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 0.58 Peers 2.27   CPSS -13.89 Peers -32.28

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 0.25 Peers 1.93   CPSS 13.46 Peers 5.26

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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