Consumer Portfolio Services, Inc. (CPSS) vs Sui Group Holdings Limited (SUIG)

Consumer Portfolio Services, Inc. and Sui Group Holdings Limited are both Credit Services companies. Consumer Portfolio Services, Inc. is the larger, with a market value of $202.0M against $112.7M — 1.8× the size. Sui Group Holdings Limited has negative trailing earnings, so its P/E is not meaningful; Consumer Portfolio Services, Inc. trades at 9.7×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 6.87% against −5.33%. Consumer Portfolio Services, Inc. has the higher net margin (4.79% vs −11,373.6%) and the higher return on invested capital (4.09% vs −270.6%). Across the 18 metrics below, Consumer Portfolio Services, Inc. leads on 14 and Sui Group Holdings Limited on 4.

Valuation

Metric CPSS SUIG Credit Services median
P/E 9.66 n/m 9.64
P/S 0.46 41.10 0.87
P/B 0.65 1.53 1.16
Price to free cash flow 0.59 n/m 2.99
EV/EBITDA 14.15 n/m 9.58
EV/Sales 8.94 40.71 2.32
Earnings yield 10.36% (495.47%) 6.72%
Free cash flow yield 168.98% (166.04%) 12.33%

Profitability

Metric CPSS SUIG Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 60.04% (11,034.20%) 0.34%
Net margin 4.79% (11,373.56%) 9.25%
Free cash flow margin 77.39% (6,824.26%) 13.03%
Return on equity 6.94% (683.94%) 8.49%
Return on assets 0.53% (601.31%) 2.29%
Return on invested capital 4.09% (270.62%) 4.09%

Growth

Metric CPSS SUIG Credit Services median
Revenue growth (TTM) 6.87% (5.33%) 4.62%
EPS growth (last fiscal year) 1.27% (3,761.11%) —
Revenue growth, 5-year CAGR 9.89% 24.61% 9.13%
Net income growth, 5-year CAGR (2.27%) 0.00% 0.00%

Health

Metric CPSS SUIG Credit Services median
Debt to equity 12.56 0.00 0.68
Current ratio 5.67 0.62 1.55
Net debt to EBITDA 12.24 0.10 0.13

Dividend

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

Size

Metric CPSS SUIG Credit Services median
Market cap 201.97m 112.69m 872.19m

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