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Consumer Portfolio Services, Inc. (CPSS) vs CPI Card Group Inc. (PMTS)

Consumer Portfolio Services, Inc. and CPI Card Group Inc. are both Credit Services companies. CPI Card Group Inc. is the larger, with a market value of $297.9M against $200.9M — 1.5× the size. Consumer Portfolio Services, Inc. trades at the lower P/E: 9.2× against 20.7×. CPI Card Group Inc. grew revenue faster over the last twelve months: 16.9% against 6.87%. Consumer Portfolio Services, Inc. has the higher net margin (4.79% vs 2.34%) and the lower return on invested capital (4.09% vs 14.8%). Across the 19 metrics below, Consumer Portfolio Services, Inc. leads on 12 and CPI Card Group Inc. on 7.

Valuation

Metric CPSS PMTS Credit Services median
P/E 9.20 20.68 9.39
P/S 0.44 0.49 0.86
P/B 0.62 n/m 1.16
Price to free cash flow 0.56 3.72 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.87% 4.83% 6.55%
Free cash flow yield 177.32% 26.85% 12.26%

Profitability

Metric CPSS PMTS Credit Services median
Gross margin 100.00% 30.97% 77.13%
Operating margin 60.04% 9.22% 0.34%
Net margin 4.79% 2.34% 9.25%
Free cash flow margin 77.39% 13.03% 12.91%
Return on equity 6.94% (67.92%) 8.49%
Return on assets 0.53% 3.48% 2.16%
Return on invested capital 4.09% 14.77% 4.09%

Growth

Metric CPSS PMTS Credit Services median
Revenue growth (TTM) 6.87% 16.91% 4.62%
EPS growth (last fiscal year) 1.27% (23.78%) 21.94%
Revenue growth, 5-year CAGR 9.89% 11.73% 9.13%
Net income growth, 5-year CAGR (2.27%) (1.51%) 0.00%

Health

Metric CPSS PMTS Credit Services median
Debt to equity 12.56 (22.85) 0.68
Current ratio 5.67 2.09 1.55
Net debt to EBITDA 12.24 3.37 0.13

Dividend

Metric CPSS PMTS Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.22

Size

Metric CPSS PMTS Credit Services median
Market cap 200.87m 297.91m 751.08m

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