Consumer Portfolio Services, Inc. (CPSS) vs Finance of America Companies Inc. (FOA)
- Consumer Portfolio Services, Inc. CPSS 9.11 −0.65%
- Finance of America Companies Inc. FOA 11.02 +0.27%
Consumer Portfolio Services, Inc. and Finance of America Companies Inc. are both Credit Services companies. Finance of America Companies Inc. is the larger, with a market value of $279.1M against $200.9M — 1.4× the size. Finance of America Companies Inc. has negative trailing earnings, so its P/E is not meaningful; Consumer Portfolio Services, Inc. trades at 9.2×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 6.87% against −42.3%. Consumer Portfolio Services, Inc. has the higher net margin (4.79% vs −0.10%) and the higher return on invested capital (4.09% vs −0.12%). Across the 17 metrics below, Consumer Portfolio Services, Inc. leads on 14 and Finance of America Companies Inc. on 3.
Valuation
Profitability
| Metric | CPSS | FOA | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 100.00% | 77.13% |
| Operating margin | 60.04% | (20.35%) | 0.34% |
| Net margin | 4.79% | (0.10%) | 9.25% |
| Free cash flow margin | 77.39% | (164.79%) | 12.91% |
| Return on equity | 6.94% | (0.08%) | 8.49% |
| Return on assets | 0.53% | 0.00% | 2.16% |
| Return on invested capital | 4.09% | (0.12%) | 4.09% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack