Consumer Portfolio Services vs OppFi
CPSS and OPFI 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 OPFI compare
OppFi is the larger company, worth 2.4 times as much as Consumer Portfolio Services ($506M against $208M).
Consumer Portfolio Services grew revenue faster over the last twelve months (10.4% versus −6.5% for OppFi).
OppFi keeps more of each dollar of sales as profit, with a net margin of 26.9% compared with 5.0% at Consumer Portfolio Services.
OppFi 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 | OPFI |
|---|---|---|
| Size and price | ||
| Market cap | $208M | $506M |
| Share price | $9.53 | $5.94 |
| Change, 1 year | 18.1% | −39.6% |
| Change, 5 years | 15.2% | 3.1% |
| Beta (5Y) | 1.22 | 1.04 |
| Employees | 928 | 410 |
| StockData Score | ||
| Total score | 9 | 13 (better) |
| Valuation score | 5 (better) | 3 |
| Growth score | 2 | 2 |
| Performance score | 2 | 4 (better) |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 9.3× | – |
| P/S | 0.4× (better) | 1.4× |
| P/B | 0.6× (better) | 1.1× |
| EV/EBITDA | 0.7× (better) | 3.0× |
| P/FCF | 0.6× (better) | 1.4× |
| FCF yield | 172% (better) | 72.4% |
| Fair value | $94.63 | $21.88 |
| Margin of safety | 89.9% (better) | 72.9% |
| Growth | ||
| Revenue growth (TTM) | 10.4% (better) | −6.5% |
| Revenue growth, 5Y average | 9.9% | 13.7% (better) |
| Net income growth (TTM) | 21.6% | 2341% (better) |
| EPS growth (TTM) | 27.5% | – |
| EPS growth, 5Y average | −2.3% | – |
| Profitability | ||
| Operating margin | – | 36.3% |
| Net margin | 5.0% | 26.9% (better) |
| FCF margin | 75.5% | 104% (better) |
| Return on equity | 7.5% | 38.4% (better) |
| Return on invested capital | – | 70.5% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.21 | 1.75 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 1 |
| Buyback yield | 5.5% (better) | 5.2% |
| Shareholder yield | 5.5% (better) | 5.2% |
| Ownership | ||
| Held by institutions | 45.1% | 26.3% |
| Held by insiders | 85.3% | 66.1% |
| Insider net buying, 12 months | −$4.4M | −$381K (better) |
| Short interest, % of float | 4.8% | 15.8% |
Go deeper
- CPSS stock overview
- CPSS income statement
- CPSS valuation and score
- OPFI stock overview
- OPFI income statement
- OPFI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.