Consumer Portfolio Services vs Medallion Financial
CPSS and MFIN 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 MFIN compare
Consumer Portfolio Services and Medallion Financial are about the same size, with market caps of $208M and $218M.
On earnings, Medallion Financial is cheaper: it trades at 8.5× trailing earnings, against 9.3× for Consumer Portfolio Services.
Consumer Portfolio Services grew revenue faster over the last twelve months (10.4% versus 4.1% for Medallion Financial).
Medallion Financial keeps more of each dollar of sales as profit, with a net margin of 10.8% compared with 5.0% at Consumer Portfolio Services.
Medallion Financial pays a dividend yielding 5.7%; Consumer Portfolio Services does not pay one.
Medallion Financial scores higher on the StockData Score (13 against 9 for Consumer Portfolio Services), 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 | MFIN |
|---|---|---|
| Size and price | ||
| Market cap | $208M | $218M |
| Share price | $9.53 | $9.49 |
| Change, 1 year | 18.1% | −5.0% |
| Change, 5 years | 15.2% | 15.2% |
| Beta (5Y) | 1.22 | 0.79 |
| Employees | 928 | 179 |
| StockData Score | ||
| Total score | 9 | 13 (better) |
| Valuation score | 5 (better) | 3 |
| Growth score | 2 (better) | 1 |
| Performance score | 2 | 2 |
| Health score | 0 | 3 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 9.3× | 8.5× (better) |
| P/S | 0.4× (better) | 0.9× |
| P/B | 0.6× | 0.5× (better) |
| EV/EBITDA | 0.7× | – |
| P/FCF | 0.6× | – |
| FCF yield | 172% | – |
| Fair value | $94.63 | $9.79 |
| Margin of safety | 89.9% (better) | 3.1% |
| Growth | ||
| Revenue growth (TTM) | 10.4% (better) | 4.1% |
| Revenue growth, 5Y average | 9.9% | 19.4% (better) |
| Net income growth (TTM) | 21.6% (better) | −34.1% |
| EPS growth (TTM) | 27.5% (better) | −35.1% |
| EPS growth, 5Y average | −2.3% | – |
| Profitability | ||
| Net margin | 5.0% | 10.8% (better) |
| FCF margin | 75.5% | – |
| Return on equity | 7.5% (better) | 6.8% |
| Financial health | ||
| Debt / equity | – | 0.19 |
| Altman Z-score | 0.21 (better) | 0.19 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 5.7% |
| Payout ratio | – | 45.0% |
| Buyback yield | 5.5% | 6.1% (better) |
| Shareholder yield | 5.5% | 11.8% (better) |
| Ownership | ||
| Held by institutions | 45.1% | 34.5% |
| Held by insiders | 85.3% | 31.5% |
| Insider net buying, 12 months | −$4.4M | – |
| Short interest, % of float | 4.8% | – |
Go deeper
- CPSS stock overview
- CPSS income statement
- CPSS valuation and score
- MFIN stock overview
- MFIN income statement
- MFIN valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.