` Comparison: CPSS vs DFS - Alpha Spread
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CPSS
vs
DFS

Over the past 12 months, CPSS has underperformed DFS, delivering a return of -19% compared to the DFS's +5% growth.

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CPSS
DFS
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Stocks Compared:
CPSS DFS
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Valuation Comparison

CPSS Intrinsic Value
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DFS Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Consumer Portfolio Services Inc
NASDAQ:CPSS
8.15 USD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
CPSS, DFS

CPSS
DFS
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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
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Revenue

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

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Profitability Comparison

Free Cash Flow
CPSS, DFS

CPSS
DFS
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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
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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Gross Margin

CPSS
46.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Discover Financial Services
Not applicable for financial companies

Operating Margin

CPSS
4%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Discover Financial Services
Not applicable for financial companies

Net Margin

CPSS
4.7%
DFS
24.9%

FCF Margin

CPSS
67%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Discover Financial Services
Not applicable for financial companies

ROE

CPSS
6.6%
DFS
32.8%

ROA

CPSS
0.5%
DFS
3.7%

ROIC

CPSS
0.3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Discover Financial Services
Not applicable for financial companies

ROCE

CPSS
0.5%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

Consumer Portfolio Services Inc
Equity Waterfall
Assets
Liabilities
Equity
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Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CPSS, DFS

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CPSS
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Performance Gap
CPSS, DFS

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

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CPSS
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