ArrowMark Financial Corp. (BANX) vs Consumer Portfolio Services, Inc. (CPSS)

ArrowMark Financial Corp. and Consumer Portfolio Services, Inc. are both in the Financial sector (Closed End Fund Debt and Credit Services). ArrowMark Financial Corp. and Consumer Portfolio Services, Inc. are of similar size ($202.0M and $199.1M). Consumer Portfolio Services, Inc. trades at the lower P/E: 9.7× against 37.6×. ArrowMark Financial Corp. grew revenue faster over the last twelve months: 12.1% against 6.87%. ArrowMark Financial Corp. has the higher net margin (19.3% vs 4.79%) and the lower return on invested capital (0.00% vs 4.09%). Both pay a dividend; ArrowMark Financial Corp. yields more (8.89% vs 3.33%). Across the 18 metrics below, ArrowMark Financial Corp. leads on 9 and Consumer Portfolio Services, Inc. on 9.

Valuation

Metric BANX CPSS
P/E 37.58 9.66
P/S 7.52 0.46
P/B n/m 0.65
Price to free cash flow n/m 0.59
EV/EBITDA 7.52 14.15
EV/Sales 7.52 8.94
Earnings yield 2.66% 10.36%
Free cash flow yield 0.00% 168.98%

Profitability

Metric BANX CPSS
Gross margin 100.00% 100.00%
Operating margin 100.00% 60.04%
Net margin 19.28% 4.79%
Free cash flow margin 0.00% 77.39%
Return on equity 0.00% 6.94%
Return on assets 0.00% 0.53%
Return on invested capital 0.00% 4.09%

Growth

Metric BANX CPSS
Revenue growth (TTM) 12.14% 6.87%
EPS growth (last fiscal year) 59.32% 1.27%
Revenue growth, 5-year CAGR 0.38% 9.89%
Net income growth, 5-year CAGR 12.49% (2.27%)

Health

Metric BANX CPSS
Debt to equity — 12.56
Current ratio — 5.67
Net debt to EBITDA 0.00 12.24

Dividend

Metric BANX CPSS
Dividend yield 8.89% 3.33%
Payout ratio 0.78 0.00

Size

Metric BANX CPSS
Market cap 199.11m 201.97m

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