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Consumer Portfolio Services, Inc. (CPSS) vs Medallion Financial Corp. (MFIN)

Consumer Portfolio Services, Inc. and Medallion Financial Corp. are both Credit Services companies. Consumer Portfolio Services, Inc. and Medallion Financial Corp. are of similar size ($223.7M and $215.9M). Medallion Financial Corp. trades at the lower P/E: 8.6× against 9.1×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 10.4% against 5.97%. Medallion Financial Corp. has the higher net margin (7.53% vs 4.99%) and the higher return on invested capital (5.65% vs 3.92%). Across the 20 metrics below, Medallion Financial Corp. leads on 11 and Consumer Portfolio Services, Inc. on 9.

Valuation

Metric CPSS MFIN Credit Services median
P/E 9.13 8.57 8.96
P/S 0.46 0.63 1.00
P/B 0.67 0.41 1.23
Price to free cash flow 0.61 1.30 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.95% 11.67% 7.17%
Free cash flow yield 165.08% 76.87% 11.75%

Profitability

Metric CPSS MFIN Credit Services median
Gross margin 100.00% 69.90% 76.61%
Operating margin 60.11% 0.00% 0.34%
Net margin 4.99% 7.53% 8.35%
Free cash flow margin 75.54% 0.00% 8.73%
Return on equity 7.50% 5.15% 9.05%
Return on assets 0.55% 0.86% 1.94%
Return on invested capital 3.92% 5.65% 4.56%

Growth

Metric CPSS MFIN Credit Services median
Revenue growth (TTM) 10.38% 5.97% 4.49%
EPS growth (last fiscal year) 1.27% 17.11% 21.94%
Revenue growth, 5-year CAGR 9.89% 20.51% 9.22%
Net income growth, 5-year CAGR (2.27%) 0.00% 0.00%

Health

Metric CPSS MFIN Credit Services median
Debt to equity 13.60 0.52 0.69
Current ratio 5.79 1.22 1.26
Net debt to EBITDA 12.24 0.00 0.11

Dividend

Metric CPSS MFIN Credit Services median
Dividend yield — 5.18% 1.64%
Payout ratio — 0.47 0.21

Size

Metric CPSS MFIN Credit Services median
Market cap 215.88m 223.70m 759.73m

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