Consumer Portfolio Services vs loanDepot
CPSS and LDI side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CPSS and LDI compare
Consumer Portfolio Services is the larger company, worth 1.4 times as much as loanDepot ($208M against $152M).
Consumer Portfolio Services grew revenue faster over the last twelve months (10.4% versus 9.2% for loanDepot).
Consumer Portfolio Services keeps more of each dollar of sales as profit, with a net margin of 5.0% compared with −6.8% at loanDepot.
Consumer Portfolio Services scores higher on the StockData Score (9 against 4 for loanDepot), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CPSS | LDI |
|---|---|---|
| Size and price | ||
| Market cap | $208M | $152M |
| Share price | $9.53 | $0.451 |
| Change, 1 year | 18.1% | −84.6% |
| Change, 5 years | 15.2% | −93.2% |
| Beta (5Y) | 1.22 | 1.56 |
| Employees | 928 | 4,700 |
| StockData Score | ||
| Total score | 9 (better) | 4 |
| Valuation score | 5 (better) | 1 |
| Growth score | 2 (better) | 1 |
| Performance score | 2 | 2 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 9.3× | – |
| P/S | 0.4× | 0.1× (better) |
| P/B | 0.6× | – |
| EV/EBITDA | 0.7× | – |
| P/FCF | 0.6× | 0.6× (better) |
| FCF yield | 172% | 175% (better) |
| Fair value | $94.63 | – |
| Margin of safety | 89.9% | – |
| Growth | ||
| Revenue growth (TTM) | 10.4% (better) | 9.2% |
| Revenue growth, 5Y average | 9.9% (better) | −22.7% |
| Net income growth (TTM) | 21.6% | – |
| EPS growth (TTM) | 27.5% | – |
| EPS growth, 5Y average | −2.3% | – |
| Profitability | ||
| Net margin | 5.0% (better) | −6.8% |
| FCF margin | 75.5% (better) | 21.4% |
| Return on equity | 7.5% | – |
| Financial health | ||
| Altman Z-score | 0.21 (better) | 0.06 |
| Piotroski F-score | 5 | – |
| Dividends and buybacks | ||
| Buyback yield | 5.5% | – |
| Shareholder yield | 5.5% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 45.1% | 15.9% |
| Held by insiders | 85.3% | 38.3% |
| Insider net buying, 12 months | −$4.4M (better) | −$8.4M |
| Short interest, % of float | 4.8% | 10.6% |
Go deeper
- CPSS stock overview
- CPSS income statement
- CPSS valuation and score
- LDI stock overview
- LDI income statement
- LDI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.