Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
56
CPSS Quote, Financials, Valuation and Earnings
Last price:
$9.20
Seasonality move
:
10.43%
Day range:
$9.10 - $9.22
52-week range:
$6.67 - $12.73
Dividend yield:
0%
P/E ratio:
11.39x
P/S ratio:
0.53x
P/B ratio:
0.66x
Volume:
3.8K
Avg. volume:
21.7K
1-year change:
-13.33%
Market cap:
$202.4M
Revenue:
$372.5M
EPS (TTM):
$0.81
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
CPSS
Consumer Portfolio Services, Inc.
|
$111.5M | $0.25 | 10.3% | 8.49% | $15.00 |
|
CACC
Credit Acceptance Corp.
|
$592.8M | $9.45 | 2.96% | -19.67% | $458.00 |
|
IROQ
IF Bancorp, Inc.
|
-- | -- | -- | -- | -- |
|
PMTS
CPI Card Group, Inc.
|
$140.6M | $0.62 | 16.09% | 20.64% | $28.25 |
|
SEZL
Sezzle, Inc.
|
$104.7M | $0.65 | 31.24% | 39.38% | $103.50 |
|
VRM
Vroom
|
-- | -- | -- | -- | -- |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
CPSS
Consumer Portfolio Services, Inc.
|
$9.17 | $15.00 | $202.4M | 11.39x | $0.00 | 0% | 0.53x |
|
CACC
Credit Acceptance Corp.
|
$457.70 | $458.00 | $5B | 12.12x | $0.00 | 0% | 2.38x |
|
IROQ
IF Bancorp, Inc.
|
$26.95 | -- | $87.3M | 17.21x | $0.20 | 1.48% | 1.81x |
|
PMTS
CPI Card Group, Inc.
|
$15.19 | $28.25 | $173M | 12.62x | $0.00 | 0% | 0.35x |
|
SEZL
Sezzle, Inc.
|
$73.64 | $103.50 | $2.5B | 22.83x | $0.00 | 0% | 4.99x |
|
VRM
Vroom
|
-- | -- | -- | -- | $0.00 | 0% | -- |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
CPSS
Consumer Portfolio Services, Inc.
|
91.83% | 0.981 | 2067.79% | 3.29x |
|
CACC
Credit Acceptance Corp.
|
80.14% | 0.027 | 123.54% | 1.02x |
|
IROQ
IF Bancorp, Inc.
|
50.8% | -0.005 | 104.05% | 0.00x |
|
PMTS
CPI Card Group, Inc.
|
108.7% | 0.166 | 186.04% | 1.30x |
|
SEZL
Sezzle, Inc.
|
43.22% | 7.092 | 4.37% | 3.55x |
|
VRM
Vroom
|
-- | 0.000 | -- | -- |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
CPSS
Consumer Portfolio Services, Inc.
|
$108.2M | $66.1M | 0.54% | 6.55% | 60.99% | $84.9M |
|
CACC
Credit Acceptance Corp.
|
$575.6M | $265.2M | 5.62% | 27.54% | 71.64% | $298.8M |
|
IROQ
IF Bancorp, Inc.
|
-- | $1.9M | 2.79% | 6.33% | 56.13% | -$343K |
|
PMTS
CPI Card Group, Inc.
|
$39.5M | $13M | 5.23% | -- | 9.44% | $5.3M |
|
SEZL
Sezzle, Inc.
|
$84.7M | $35.6M | 53.59% | 103.32% | 30.45% | $32.3M |
|
VRM
Vroom
|
-- | -- | -- | -- | -- | -- |
Consumer Portfolio Services, Inc. vs. Competitors
-
Which has Higher Returns CPSS or CACC?
Credit Acceptance Corp. has a net margin of 4.48% compared to Consumer Portfolio Services, Inc.'s net margin of 18.58%. Consumer Portfolio Services, Inc.'s return on equity of 6.55% beat Credit Acceptance Corp.'s return on equity of 27.54%.
Company Gross Margin Earnings Per Share Invested Capital CPSSConsumer Portfolio Services, Inc.99.81% $0.20 $3.8B CACCCredit Acceptance Corp.98.83% $9.43 $7.9B -
What do Analysts Say About CPSS or CACC?
Consumer Portfolio Services, Inc. has a consensus price target of $15.00, signalling upside risk potential of 63.58%. On the other hand Credit Acceptance Corp. has an analysts' consensus of $458.00 which suggests that it could fall by -0.65%. Given that Consumer Portfolio Services, Inc. has higher upside potential than Credit Acceptance Corp., analysts believe Consumer Portfolio Services, Inc. is more attractive than Credit Acceptance Corp..
Company Buy Ratings Hold Ratings Sell Ratings CPSSConsumer Portfolio Services, Inc.0 0 0 CACCCredit Acceptance Corp.0 3 1 -
Is CPSS or CACC More Risky?
Consumer Portfolio Services, Inc. has a beta of 1.051, which suggesting that the stock is 5.069% more volatile than S&P 500. In comparison Credit Acceptance Corp. has a beta of 1.262, suggesting its more volatile than the S&P 500 by 26.171%.
-
Which is a Better Dividend Stock CPSS or CACC?
Consumer Portfolio Services, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Credit Acceptance Corp. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services, Inc. pays -- of its earnings as a dividend. Credit Acceptance Corp. pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios CPSS or CACC?
Consumer Portfolio Services, Inc. quarterly revenues are $108.4M, which are smaller than Credit Acceptance Corp. quarterly revenues of $582.4M. Consumer Portfolio Services, Inc.'s net income of $4.9M is lower than Credit Acceptance Corp.'s net income of $108.2M. Notably, Consumer Portfolio Services, Inc.'s price-to-earnings ratio is 11.39x while Credit Acceptance Corp.'s PE ratio is 12.12x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services, Inc. is 0.53x versus 2.38x for Credit Acceptance Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CPSSConsumer Portfolio Services, Inc.0.53x 11.39x $108.4M $4.9M CACCCredit Acceptance Corp.2.38x 12.12x $582.4M $108.2M
-
Which has Higher Returns CPSS or IROQ?
IF Bancorp, Inc. has a net margin of 4.48% compared to Consumer Portfolio Services, Inc.'s net margin of 11.47%. Consumer Portfolio Services, Inc.'s return on equity of 6.55% beat IF Bancorp, Inc.'s return on equity of 6.33%.
Company Gross Margin Earnings Per Share Invested Capital CPSSConsumer Portfolio Services, Inc.99.81% $0.20 $3.8B IROQIF Bancorp, Inc.-- $0.43 $171.8M -
What do Analysts Say About CPSS or IROQ?
Consumer Portfolio Services, Inc. has a consensus price target of $15.00, signalling upside risk potential of 63.58%. On the other hand IF Bancorp, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Consumer Portfolio Services, Inc. has higher upside potential than IF Bancorp, Inc., analysts believe Consumer Portfolio Services, Inc. is more attractive than IF Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CPSSConsumer Portfolio Services, Inc.0 0 0 IROQIF Bancorp, Inc.0 0 0 -
Is CPSS or IROQ More Risky?
Consumer Portfolio Services, Inc. has a beta of 1.051, which suggesting that the stock is 5.069% more volatile than S&P 500. In comparison IF Bancorp, Inc. has a beta of 0.210, suggesting its less volatile than the S&P 500 by 78.963%.
-
Which is a Better Dividend Stock CPSS or IROQ?
Consumer Portfolio Services, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. IF Bancorp, Inc. offers a yield of 1.48% to investors and pays a quarterly dividend of $0.20 per share. Consumer Portfolio Services, Inc. pays -- of its earnings as a dividend. IF Bancorp, Inc. pays out 29.29% of its earnings as a dividend. IF Bancorp, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CPSS or IROQ?
Consumer Portfolio Services, Inc. quarterly revenues are $108.4M, which are larger than IF Bancorp, Inc. quarterly revenues of $12.1M. Consumer Portfolio Services, Inc.'s net income of $4.9M is higher than IF Bancorp, Inc.'s net income of $1.4M. Notably, Consumer Portfolio Services, Inc.'s price-to-earnings ratio is 11.39x while IF Bancorp, Inc.'s PE ratio is 17.21x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services, Inc. is 0.53x versus 1.81x for IF Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CPSSConsumer Portfolio Services, Inc.0.53x 11.39x $108.4M $4.9M IROQIF Bancorp, Inc.1.81x 17.21x $12.1M $1.4M
-
Which has Higher Returns CPSS or PMTS?
CPI Card Group, Inc. has a net margin of 4.48% compared to Consumer Portfolio Services, Inc.'s net margin of 1.67%. Consumer Portfolio Services, Inc.'s return on equity of 6.55% beat CPI Card Group, Inc.'s return on equity of --.
Company Gross Margin Earnings Per Share Invested Capital CPSSConsumer Portfolio Services, Inc.99.81% $0.20 $3.8B PMTSCPI Card Group, Inc.28.62% $0.19 $295.1M -
What do Analysts Say About CPSS or PMTS?
Consumer Portfolio Services, Inc. has a consensus price target of $15.00, signalling upside risk potential of 63.58%. On the other hand CPI Card Group, Inc. has an analysts' consensus of $28.25 which suggests that it could grow by 85.98%. Given that CPI Card Group, Inc. has higher upside potential than Consumer Portfolio Services, Inc., analysts believe CPI Card Group, Inc. is more attractive than Consumer Portfolio Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CPSSConsumer Portfolio Services, Inc.0 0 0 PMTSCPI Card Group, Inc.4 0 0 -
Is CPSS or PMTS More Risky?
Consumer Portfolio Services, Inc. has a beta of 1.051, which suggesting that the stock is 5.069% more volatile than S&P 500. In comparison CPI Card Group, Inc. has a beta of 1.198, suggesting its more volatile than the S&P 500 by 19.835%.
-
Which is a Better Dividend Stock CPSS or PMTS?
Consumer Portfolio Services, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. CPI Card Group, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services, Inc. pays -- of its earnings as a dividend. CPI Card Group, Inc. pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios CPSS or PMTS?
Consumer Portfolio Services, Inc. quarterly revenues are $108.4M, which are smaller than CPI Card Group, Inc. quarterly revenues of $138M. Consumer Portfolio Services, Inc.'s net income of $4.9M is higher than CPI Card Group, Inc.'s net income of $2.3M. Notably, Consumer Portfolio Services, Inc.'s price-to-earnings ratio is 11.39x while CPI Card Group, Inc.'s PE ratio is 12.62x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services, Inc. is 0.53x versus 0.35x for CPI Card Group, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CPSSConsumer Portfolio Services, Inc.0.53x 11.39x $108.4M $4.9M PMTSCPI Card Group, Inc.0.35x 12.62x $138M $2.3M
-
Which has Higher Returns CPSS or SEZL?
Sezzle, Inc. has a net margin of 4.48% compared to Consumer Portfolio Services, Inc.'s net margin of 22.84%. Consumer Portfolio Services, Inc.'s return on equity of 6.55% beat Sezzle, Inc.'s return on equity of 103.32%.
Company Gross Margin Earnings Per Share Invested Capital CPSSConsumer Portfolio Services, Inc.99.81% $0.20 $3.8B SEZLSezzle, Inc.72.5% $0.75 $273.4M -
What do Analysts Say About CPSS or SEZL?
Consumer Portfolio Services, Inc. has a consensus price target of $15.00, signalling upside risk potential of 63.58%. On the other hand Sezzle, Inc. has an analysts' consensus of $103.50 which suggests that it could grow by 40.55%. Given that Consumer Portfolio Services, Inc. has higher upside potential than Sezzle, Inc., analysts believe Consumer Portfolio Services, Inc. is more attractive than Sezzle, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CPSSConsumer Portfolio Services, Inc.0 0 0 SEZLSezzle, Inc.3 1 0 -
Is CPSS or SEZL More Risky?
Consumer Portfolio Services, Inc. has a beta of 1.051, which suggesting that the stock is 5.069% more volatile than S&P 500. In comparison Sezzle, Inc. has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.
-
Which is a Better Dividend Stock CPSS or SEZL?
Consumer Portfolio Services, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Sezzle, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services, Inc. pays -- of its earnings as a dividend. Sezzle, Inc. pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios CPSS or SEZL?
Consumer Portfolio Services, Inc. quarterly revenues are $108.4M, which are smaller than Sezzle, Inc. quarterly revenues of $116.8M. Consumer Portfolio Services, Inc.'s net income of $4.9M is lower than Sezzle, Inc.'s net income of $26.7M. Notably, Consumer Portfolio Services, Inc.'s price-to-earnings ratio is 11.39x while Sezzle, Inc.'s PE ratio is 22.83x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services, Inc. is 0.53x versus 4.99x for Sezzle, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CPSSConsumer Portfolio Services, Inc.0.53x 11.39x $108.4M $4.9M SEZLSezzle, Inc.4.99x 22.83x $116.8M $26.7M
-
Which has Higher Returns CPSS or VRM?
Vroom has a net margin of 4.48% compared to Consumer Portfolio Services, Inc.'s net margin of --. Consumer Portfolio Services, Inc.'s return on equity of 6.55% beat Vroom's return on equity of --.
Company Gross Margin Earnings Per Share Invested Capital CPSSConsumer Portfolio Services, Inc.99.81% $0.20 $3.8B VRMVroom-- -- -- -
What do Analysts Say About CPSS or VRM?
Consumer Portfolio Services, Inc. has a consensus price target of $15.00, signalling upside risk potential of 63.58%. On the other hand Vroom has an analysts' consensus of -- which suggests that it could fall by --. Given that Consumer Portfolio Services, Inc. has higher upside potential than Vroom, analysts believe Consumer Portfolio Services, Inc. is more attractive than Vroom.
Company Buy Ratings Hold Ratings Sell Ratings CPSSConsumer Portfolio Services, Inc.0 0 0 VRMVroom0 0 0 -
Is CPSS or VRM More Risky?
Consumer Portfolio Services, Inc. has a beta of 1.051, which suggesting that the stock is 5.069% more volatile than S&P 500. In comparison Vroom has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.
-
Which is a Better Dividend Stock CPSS or VRM?
Consumer Portfolio Services, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Vroom offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Consumer Portfolio Services, Inc. pays -- of its earnings as a dividend. Vroom pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios CPSS or VRM?
Consumer Portfolio Services, Inc. quarterly revenues are $108.4M, which are larger than Vroom quarterly revenues of --. Consumer Portfolio Services, Inc.'s net income of $4.9M is higher than Vroom's net income of --. Notably, Consumer Portfolio Services, Inc.'s price-to-earnings ratio is 11.39x while Vroom's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Consumer Portfolio Services, Inc. is 0.53x versus -- for Vroom. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CPSSConsumer Portfolio Services, Inc.0.53x 11.39x $108.4M $4.9M VRMVroom-- -- -- --
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