` Comparison: CPSS vs AXP - Alpha Spread

CPSS
vs
AXP

Over the past 12 months, CPSS has underperformed AXP, delivering a return of -12% compared to the AXP's +9% growth.

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CPSS
AXP
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Valuation Comparison

CPSS Intrinsic Value
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AXP Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Consumer Portfolio Services Inc
NASDAQ:CPSS
7.6 USD
American Express Co
NYSE:AXP
292.27 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CPSS, AXP

CPSS
AXP
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Consumer Portfolio Services Inc
Revenue
American Express Co
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CPSS, AXP

CPSS
AXP
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Consumer Portfolio Services Inc
NASDAQ:CPSS
American Express Co
NYSE:AXP
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What is Free Cash Flow?

Gross Margin

CPSS
45.8%
AXP
61.5%

Operating Margin

CPSS
5%
AXP
17.7%

Net Margin

CPSS
4.5%
AXP
13.8%

FCF Margin

CPSS
65.6%
AXP
20.6%

ROE

CPSS
6.4%
AXP
33.6%

ROA

CPSS
0.5%
AXP
3.7%

ROIC

CPSS
0.4%
AXP
4.7%

ROCE

CPSS
0.6%
AXP
11.1%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CPSS, AXP

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Performance Gap
CPSS, AXP

Performance Gap Between CPSS and AXP
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Performance By Year
CPSS, AXP

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CPSS
AXP
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett