Consumer Portfolio Services Inc
NASDAQ:CPSS
Intrinsic Value
Consumer Portfolio Services, Inc. operates as an independent finance company. [ Read More ]
The intrinsic value of one
CPSS
stock under the Base Case scenario is
42.7
USD.
Compared to the current market price of 8.59 USD,
Consumer Portfolio Services Inc
is
Undervalued by 80%.
Consumer Portfolio Services Inc's market capitalization is 181.9m USD.
CPSS stock price is 8.59 USD.
CPSS stock price (8.59 USD) is 80% less than its Intrinsic Value (42.7 USD).
CPSS has downside potential of 7% compared to the average analyst price target.
Open Wall St Estimates
CPSS's ROIC (Return on Invested Capital) has decreased in the last 3 years from 1% to 1%.
CPSS's Revenue has grown by 8% over the past 12 months.
CPSS's long-term assets (3B USD) exceed its long-term liabilties (3B USD).
CPSS's Revenue has been growing by 4% per year for the last 3 years.
CPSS's ROE (Return on Equity) has increased in the last 3 years from 12% to 18%.
CPSS's ROE (Return on Equity) for the past 12 months is positive and is equal to 18%.
CPSS has positive Net Income for the last twelve months.
CPSS's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 1%.
CPSS has positive Operating Income for the last twelve months.
CPSS has a very low three-year average ROIC (Return on Invested Capital): 2%. The company is not efficient at using invested capital to generate operating income.
CPSS has very high three-year average ROE (Return on Equity): 29%. The company is very efficient at transforming stockholders' equity into net income.
CPSS's short-term liabilties (62m USD) exceed its short-term assets (31m USD).
CPSS has positive Gross Profit for the last twelve months.
CPSS has positive Free Cash Flow for the last twelve months.
CPSS has positive Net Debt. This means that the company has more debt (3B USD) than cash and short-term investments (6m USD).
CPSS's D/E (Debt to Equity) is very high and is equal to 9.34.
CPSS's Altman Z-Score is very low and is equal to 0.32.
CPSS doesn't generate enough operating income (49m USD) to safely cover interest payments on its debt (135m USD).
Valuation Backtest
Consumer Portfolio Services Inc
Run backtest to discover the historical profit from buying and selling
CPSS
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Consumer Portfolio Services Inc
Balance Sheet Decomposition
Consumer Portfolio Services Inc
| Current Assets | 30.9m |
| Cash & Short-Term Investments | 6.2m |
| Receivables | 24.7m |
| Non-Current Assets | 2.9B |
| PP&E | 4.3m |
| Other Non-Current Assets | 2.9B |
| Current Liabilities | 62.5m |
| Accounts Payable | 59.2m |
| Accrued Liabilities | 3.2m |
| Non-Current Liabilities | 2.6B |
| Long-Term Debt | 2.6B |
Earnings Waterfall
Consumer Portfolio Services Inc
|
Revenue
|
340m
USD
|
|
Cost of Revenue
|
-146.6m
USD
|
|
Gross Profit
|
193.4m
USD
|
|
Operating Expenses
|
-144.3m
USD
|
|
Operating Income
|
49.1m
USD
|
|
Other Expenses
|
-3.8m
USD
|
|
Net Income
|
45.3m
USD
|
Free Cash Flow Analysis
Consumer Portfolio Services Inc
CPSS Profitability Score
Profitability Due Diligence
Consumer Portfolio Services Inc's profitability score is 63/100. The higher the profitability score, the more profitable the company is.
Score
Consumer Portfolio Services Inc's profitability score is 63/100. The higher the profitability score, the more profitable the company is.
CPSS Solvency Score
Solvency Due Diligence
Consumer Portfolio Services Inc's solvency score is 12/100. The higher the solvency score, the more solvent the company is.
Score
Consumer Portfolio Services Inc's solvency score is 12/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
CPSS Price Targets Summary
Consumer Portfolio Services Inc
According to Wall Street analysts, the average 1-year price target for
CPSS
is 8 USD
.
Ownership
CPSS Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
|
|
|
| 6 Months |
|
|
|
| 9 Months |
|
|
|
| 12 Months |
|
|
|
Shareholder Return
CPSS Price
Consumer Portfolio Services Inc
| Average Annual Return | 42.82% |
| Standard Deviation of Annual Returns | 91.58% |
| Max Drawdown | -74% |
| Market Capitalization | 181.9m USD |
| Shares Outstanding | 21 129 900 |
| Percentage of Shares Shorted | 13.68% |
Company Profile
Consumer Portfolio Services Inc
Country
Industry
Market Cap
Dividend Yield
Description
Consumer Portfolio Services, Inc. operates as an independent finance company. The company is headquartered in Irvine, California and currently employs 739 full-time employees. The Company’s business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. The company serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. The company also originates vehicle purchase money loans by lending directly to consumers. The company offers eight different financing programs, and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha and Preferred.
Contact
IPO
Employees
Officers
The intrinsic value of one
CPSS
stock under the Base Case scenario is
42.7
USD.
Compared to the current market price of 8.59 USD,
Consumer Portfolio Services Inc
is
Undervalued by 80%.
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