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Consumer Portfolio Services, Inc. (CPSS) vs PPDAI Group Inc. Sponsored ADR (FINV)

Consumer Portfolio Services, Inc. and PPDAI Group Inc. Sponsored ADR are both Credit Services companies. PPDAI Group Inc. Sponsored ADR is the larger, with a market value of $376.9M against $215.9M — 1.7× the size. PPDAI Group Inc. Sponsored ADR trades at the lower P/E: 2.6× against 9.1×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 10.4% against 1.76%. PPDAI Group Inc. Sponsored ADR has the higher net margin (14.6% vs 4.99%) and the higher return on invested capital (14.4% vs 3.92%). Across the 19 metrics below, PPDAI Group Inc. Sponsored ADR leads on 13 and Consumer Portfolio Services, Inc. on 6.

Valuation

Metric CPSS FINV Credit Services median
P/E 9.13 2.59 8.96
P/S 0.46 0.35 1.00
P/B 0.67 0.28 1.23
Price to free cash flow 0.61 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.95% 38.62% 7.17%
Free cash flow yield 165.08% (2.74%) 11.75%

Profitability

Metric CPSS FINV Credit Services median
Gross margin 100.00% 76.61% 76.61%
Operating margin 60.11% 18.04% 0.34%
Net margin 4.99% 14.61% 8.35%
Free cash flow margin 75.54% 3.85% 8.73%
Return on equity 7.50% 11.93% 9.05%
Return on assets 0.55% 7.59% 1.94%
Return on invested capital 3.92% 14.43% 4.56%

Growth

Metric CPSS FINV Credit Services median
Revenue growth (TTM) 10.38% 1.76% 4.49%
EPS growth (last fiscal year) 1.27% 10.48% 21.94%
Revenue growth, 5-year CAGR 9.89% 10.85% 9.22%
Net income growth, 5-year CAGR (2.27%) 3.76% 0.00%

Health

Metric CPSS FINV Credit Services median
Debt to equity 13.60 0.09 0.69
Current ratio 5.79 2.84 1.26
Net debt to EBITDA 12.24 (2.62) 0.11

Dividend

Metric CPSS FINV Credit Services median
Dividend yield — 10.55% 1.64%
Payout ratio — 0.29 0.21

Size

Metric CPSS FINV Credit Services median
Market cap 215.88m 376.86m 759.73m

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