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Consumer Portfolio Services, Inc. (CPSS) vs Regional Management Corp. (RM)

Consumer Portfolio Services, Inc. and Regional Management Corp. are both Credit Services companies. Regional Management Corp. is the larger, with a market value of $336.6M against $215.9M — 1.6× the size. Regional Management Corp. trades at the lower P/E: 7.2× against 9.1×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 10.4% against 8.41%. Regional Management Corp. has the higher net margin (6.96% vs 4.99%) and the higher return on invested capital (4.85% vs 3.92%). Across the 19 metrics below, Regional Management Corp. leads on 12 and Consumer Portfolio Services, Inc. on 7.

Valuation

Metric CPSS RM Credit Services median
P/E 9.13 7.18 8.96
P/S 0.46 0.49 1.00
P/B 0.67 0.88 1.23
Price to free cash flow 0.61 1.10 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.95% 13.92% 7.17%
Free cash flow yield 165.08% 90.86% 11.75%

Profitability

Metric CPSS RM Credit Services median
Gross margin 100.00% 100.00% 76.61%
Operating margin 60.11% 22.54% 0.34%
Net margin 4.99% 6.96% 8.35%
Free cash flow margin 75.54% 44.79% 8.73%
Return on equity 7.50% 12.63% 9.05%
Return on assets 0.55% 2.24% 1.94%
Return on invested capital 3.92% 4.85% 4.56%

Growth

Metric CPSS RM Credit Services median
Revenue growth (TTM) 10.38% 8.41% 4.49%
EPS growth (last fiscal year) 1.27% 7.49% 21.94%
Revenue growth, 5-year CAGR 9.89% 11.54% 9.22%
Net income growth, 5-year CAGR (2.27%) 10.69% 0.00%

Health

Metric CPSS RM Credit Services median
Debt to equity 13.60 4.58 0.69
Current ratio 5.79 60.68 1.26
Net debt to EBITDA 12.24 10.79 0.11

Dividend

Metric CPSS RM Credit Services median
Dividend yield — 3.19% 1.64%
Payout ratio — 0.24 0.21

Size

Metric CPSS RM Credit Services median
Market cap 215.88m 336.60m 759.73m

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