Consumer Portfolio Services, Inc. (CPSS) vs High Templar Tech Limited - Sponsored ADR (HTT)

Consumer Portfolio Services, Inc. and High Templar Tech Limited - Sponsored ADR are both Credit Services companies. High Templar Tech Limited - Sponsored ADR is the larger, with a market value of $226.5M against $202.0M — 1.1× the size. High Templar Tech Limited - Sponsored ADR trades at the lower P/E: 4.0× against 9.7×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 6.87% against −80.2%. High Templar Tech Limited - Sponsored ADR has the higher net margin (1,729.9% vs 4.79%) and the lower return on invested capital (−7.35% vs 4.09%). Across the 22 metrics below, Consumer Portfolio Services, Inc. leads on 11 and High Templar Tech Limited - Sponsored ADR on 11.

Valuation

Metric CPSS HTT Credit Services median
P/E 9.66 4.02 9.64
P/S 0.46 66.70 0.87
P/B 0.65 0.23 1.16
Price to free cash flow 0.59 8.11 2.99
EV/EBITDA 14.15 13.71 9.58
EV/Sales 8.94 (133.37) 2.32
Earnings yield 10.36% 24.90% 6.72%
Free cash flow yield 168.98% 12.33% 12.33%

Profitability

Metric CPSS HTT Credit Services median
Gross margin 100.00% 7.13% 77.13%
Operating margin 60.04% (972.58%) 0.34%
Net margin 4.79% 1,729.90% 9.25%
Free cash flow margin 77.39% 822.54% 13.03%
Return on equity 6.94% 6.31% 8.49%
Return on assets 0.53% 5.55% 2.29%
Return on invested capital 4.09% (7.35%) 4.09%

Growth

Metric CPSS HTT Credit Services median
Revenue growth (TTM) 6.87% (80.24%) 4.62%
EPS growth (last fiscal year) 1.27% 771.43% —
Revenue growth, 5-year CAGR 9.89% (59.90%) 9.13%
Net income growth, 5-year CAGR (2.27%) (7.16%) 0.00%

Health

Metric CPSS HTT Credit Services median
Debt to equity 12.56 0.14 0.68
Current ratio 5.67 5.75 1.55
Net debt to EBITDA 12.24 23.71 0.13

Dividend

Metric CPSS HTT Credit Services median
Dividend yield 3.33% — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric CPSS HTT Credit Services median
Market cap 201.97m 226.45m 872.19m

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