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Consumer Portfolio Services, Inc. (CPSS) vs X Financial Sponsored ADR (XYF)

Consumer Portfolio Services, Inc. and X Financial Sponsored ADR are both Credit Services companies. Consumer Portfolio Services, Inc. is the larger, with a market value of $215.9M against $107.3M — 2.0× the size. X Financial Sponsored ADR trades at the lower P/E: 2.2× against 9.1×. Consumer Portfolio Services, Inc. grew revenue faster over the last twelve months: 10.4% against −20.1%. X Financial Sponsored ADR has the higher net margin (10.3% vs 4.99%) and the higher return on invested capital (7.47% vs 3.92%). Across the 20 metrics below, X Financial Sponsored ADR leads on 15 and Consumer Portfolio Services, Inc. on 5.

Valuation

Metric CPSS XYF Credit Services median
P/E 9.13 2.17 8.96
P/S 0.46 0.21 1.00
P/B 0.67 0.15 1.23
Price to free cash flow 0.61 0.31 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.95% 46.16% 7.17%
Free cash flow yield 165.08% 326.75% 11.75%

Profitability

Metric CPSS XYF Credit Services median
Gross margin 100.00% 65.54% 76.61%
Operating margin 60.11% 13.22% 0.34%
Net margin 4.99% 10.30% 8.35%
Free cash flow margin 75.54% 0.00% 8.73%
Return on equity 7.50% 7.66% 9.05%
Return on assets 0.55% 4.60% 1.94%
Return on invested capital 3.92% 7.47% 4.56%

Growth

Metric CPSS XYF Credit Services median
Revenue growth (TTM) 10.38% (20.10%) 4.49%
EPS growth (last fiscal year) 1.27% 16.67% 21.94%
Revenue growth, 5-year CAGR 9.89% 26.59% 9.22%
Net income growth, 5-year CAGR (2.27%) 0.00% 0.00%

Health

Metric CPSS XYF Credit Services median
Debt to equity 13.60 0.05 0.69
Current ratio 5.79 2.06 1.26
Net debt to EBITDA 12.24 (1.05) 0.11

Dividend

Metric CPSS XYF Credit Services median
Dividend yield — 11.99% 1.64%
Payout ratio — 0.27 0.21

Size

Metric CPSS XYF Credit Services median
Market cap 215.88m 107.25m 759.73m

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