` Comparison: CPSS vs COF - Alpha Spread

CPSS
vs
COF

Over the past 12 months, CPSS has underperformed COF, delivering a return of -18% compared to the COF's +4% growth.

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CPSS
COF
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Valuation Comparison

CPSS Intrinsic Value
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COF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Consumer Portfolio Services Inc
NASDAQ:CPSS
8.04 USD
Capital One Financial Corp
NYSE:COF
205.49 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CPSS, COF

CPSS
COF
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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
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
CPSS, COF

CPSS
COF
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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
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CPSS
46.2%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

CPSS
4%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Capital One Financial Corp
Not applicable for financial companies

Net Margin

CPSS
4.7%
COF
4.1%

FCF Margin

CPSS
67%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Capital One Financial Corp
Not applicable for financial companies

ROE

CPSS
6.6%
COF
2.5%

ROA

CPSS
0.5%
COF
0.4%

ROIC

CPSS
0.3%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Capital One Financial Corp
Not applicable for financial companies

ROCE

CPSS
0.5%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CPSS, COF

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Performance Gap
CPSS, COF

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

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CPSS
COF
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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