Consumer Portfolio Services Inc

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CPSS : NASDAQ : Financial
$3.90 | %
Today's Range: 3.87 - 3.97
Avg. Daily Volume: 65,200
07/22/16 - 4:00 PM ET

Financial Analysis


CONSUMER PORTFOLIO SVCS INC's gross profit margin for the first 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 21.65% from the same quarter last year.

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Income Statement Q1 FY16 Q1 FY15
Net Sales ($mil)100.6585.99
EBITDA ($mil)30.2328.07
EBIT ($mil)30.0527.92
Net Income ($mil)7.218.33


Balance Sheet Q1 FY16 Q1 FY15
Cash & Equiv. ($mil)142.2193.65
Total Assets ($mil)2249.961905.45
Total Debt ($mil)2050.381746.77
Equity ($mil)166.69137.02


Profitability Q1 FY16 Q1 FY15
Gross Profit Margin30.0332.64
EBITDA Margin30.0332.64
Operating Margin29.8632.47
Sales Turnover0.170.17
Return on Assets1.491.63
Return on Equity20.1322.72
Debt Q1 FY16 Q1 FY15
Current Ratio0.00.0
Debt/Capital0.920.93
Interest Expense17.8213.17
Interest Coverage1.692.12


Share Data Q1 FY16 Q1 FY15
Shares outstanding (mil)24.9325.75
Div / share0.00.0
EPS0.240.26
Book value / share6.695.32
Institutional Own % n/a n/a
Avg Daily Volume64908.066336.0

Valuation


SELL. CONSUMER PORTFOLIO SVCS INC's P/E ratio indicates a significant discount compared to an average of 15.45 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 25.05. Conducting a second comparison, its price-to-book ratio of 0.58 indicates a significant discount versus the S&P 500 average of 2.81 and a discount versus the industry average of 1.85. 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 3.61 Peers 15.45   CPSS 0.50 Peers 4.98

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 4.02 Peers 10.55   CPSS NM Peers 1.21

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 1.85   CPSS 11.34 Peers -86.62

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 1.68   CPSS 18.92 Peers 5.20

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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