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Screener Weekly Summary Pricing

Consumer Portfolio Services, Inc. (CPSS) vs LexinFintech Holdings Ltd. Sponsored ADR (LX)

Consumer Portfolio Services, Inc. and LexinFintech Holdings Ltd. Sponsored ADR are both Credit Services companies. Consumer Portfolio Services, Inc. is the larger, with a market value of $202.0M against $99.2M — 2.0× the size. LexinFintech Holdings Ltd. Sponsored ADR trades at the lower P/E: 0.8× against 9.7×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 6.87% against −1.19%. LexinFintech Holdings Ltd. Sponsored ADR has the higher net margin (8.06% vs 4.79%) and the lower return on invested capital (3.06% vs 4.09%). Both pay a dividend; LexinFintech Holdings Ltd. Sponsored ADR yields more (5.76% vs 3.33%). Across the 23 metrics below, LexinFintech Holdings Ltd. Sponsored ADR leads on 16 and Consumer Portfolio Services, Inc. on 7.

Valuation

Metric CPSS LX Credit Services median
P/E 9.66 0.84 9.64
P/S 0.46 0.06 0.87
P/B 0.65 0.07 1.16
Price to free cash flow 0.59 0.13 2.99
EV/EBITDA 14.15 3.19 9.58
EV/Sales 8.94 0.16 2.32
Earnings yield 10.36% 118.92% 6.72%
Free cash flow yield 168.98% 763.99% 12.33%

Profitability

Metric CPSS LX Credit Services median
Gross margin 100.00% 25.63% 77.13%
Operating margin 60.04% 5.03% 0.34%
Net margin 4.79% 8.06% 9.25%
Free cash flow margin 77.39% 0.00% 13.03%
Return on equity 6.94% 9.05% 8.49%
Return on assets 0.53% 4.76% 2.29%
Return on invested capital 4.09% 3.06% 4.09%

Growth

Metric CPSS LX Credit Services median
Revenue growth (TTM) 6.87% (1.19%) 4.62%
EPS growth (last fiscal year) 1.27% 51.69% —
Revenue growth, 5-year CAGR 9.89% 1.05% 9.13%
Net income growth, 5-year CAGR (2.27%) 21.34% 0.00%

Health

Metric CPSS LX Credit Services median
Debt to equity 12.56 0.31 0.68
Current ratio 5.67 2.09 1.55
Net debt to EBITDA 12.24 0.48 0.13

Dividend

Metric CPSS LX Credit Services median
Dividend yield 3.33% 5.76% 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric CPSS LX Credit Services median
Market cap 201.97m 99.22m 872.19m

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