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Consumer Portfolio Services, Inc. (CPSS) vs TROOPS, Inc. (TROO)

Consumer Portfolio Services, Inc. and TROOPS, Inc. are both Credit Services companies. Consumer Portfolio Services, Inc. and TROOPS, Inc. are of similar size ($200.9M and $196.7M). TROOPS, Inc. has negative trailing earnings, so its P/E is not meaningful; Consumer Portfolio Services, Inc. trades at 9.2×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 6.87% against −23.0%. Consumer Portfolio Services, Inc. has the higher net margin (4.79% vs −115.9%) and the higher return on invested capital (4.09% vs 0.00%). Across the 16 metrics below, Consumer Portfolio Services, Inc. leads on 12 and TROOPS, Inc. on 4.

Valuation

Metric CPSS TROO Credit Services median
P/E 9.20 n/m 9.39
P/S 0.44 n/m 0.86
P/B 0.62 n/m 1.16
Price to free cash flow 0.56 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.87% (4.85%) 6.55%
Free cash flow yield 177.32% 0.00% 12.26%

Profitability

Metric CPSS TROO Credit Services median
Gross margin 100.00% (10.20%) 77.13%
Operating margin 60.04% 0.00% 0.34%
Net margin 4.79% (115.89%) 9.25%
Free cash flow margin 77.39% 0.00% 12.91%
Return on equity 6.94% 0.00% 8.49%
Return on assets 0.53% 0.00% 2.16%
Return on invested capital 4.09% 0.00% 4.09%

Growth

Metric CPSS TROO Credit Services median
Revenue growth (TTM) 6.87% (23.02%) 4.62%
EPS growth (last fiscal year) 1.27% (76.92%) 21.94%
Revenue growth, 5-year CAGR 9.89% 31.83% 9.13%
Net income growth, 5-year CAGR (2.27%) 0.00% 0.00%

Health

Metric CPSS TROO Credit Services median
Debt to equity 12.56 0.00 0.68
Current ratio 5.67 0.92 1.55
Net debt to EBITDA 12.24 0.15 0.13

Dividend

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

Size

Metric CPSS TROO Credit Services median
Market cap 200.87m 196.68m 751.08m

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