Consumer Portfolio Services vs Upstart
CPSS and UPST 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 UPST compare
Upstart is the larger company, worth 9.1 times as much as Consumer Portfolio Services ($1.9B against $208M).
On earnings, Consumer Portfolio Services is cheaper: it trades at 9.3× trailing earnings, against 39.9× for Upstart.
Upstart grew revenue faster over the last twelve months (46.3% versus 10.4% for Consumer Portfolio Services).
Consumer Portfolio Services keeps more of each dollar of sales as profit, with a net margin of 5.0% compared with 4.8% at Upstart.
Upstart scores higher on the StockData Score (12 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 | UPST |
|---|---|---|
| Size and price | ||
| Market cap | $208M | $1.9B |
| Share price | $9.53 | $19.56 |
| Change, 1 year | 18.1% | −50.6% |
| Change, 5 years | 15.2% | −90.5% |
| Beta (5Y) | 1.22 | 3.17 |
| Employees | 928 | 1,405 |
| StockData Score | ||
| Total score | 9 | 12 (better) |
| Valuation score | 5 (better) | 2 |
| Growth score | 2 (better) | 1 |
| Performance score | 2 | 5 (better) |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 9.3× (better) | 39.9× |
| P/S | 0.4× (better) | 1.5× |
| P/B | 0.6× (better) | 2.4× |
| EV/EBITDA | 0.7× (better) | 19.2× |
| P/FCF | 0.6× | – |
| FCF yield | 172% (better) | −15.2% |
| Fair value | $94.63 | $22.37 |
| Margin of safety | 89.9% (better) | 12.6% |
| Growth | ||
| Revenue growth (TTM) | 10.4% | 46.3% (better) |
| Revenue growth, 5Y average | 9.9% | 34.9% (better) |
| Net income growth (TTM) | 21.6% | – |
| EPS growth (TTM) | 27.5% | – |
| EPS growth, 5Y average | −2.3% | – |
| Profitability | ||
| Operating margin | – | 4.0% |
| Net margin | 5.0% (better) | 4.8% |
| FCF margin | 75.5% (better) | −23.2% |
| Return on equity | 7.5% | 7.9% (better) |
| Return on invested capital | – | 21.7% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.21 | 0.77 (better) |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Buyback yield | 5.5% | – |
| Shareholder yield | 5.5% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 45.1% | 60.0% |
| Held by insiders | 85.3% | 12.3% |
| Insider net buying, 12 months | −$4.4M | $1.1M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 4.8% | 31.1% |
Go deeper
- CPSS stock overview
- CPSS income statement
- CPSS valuation and score
- UPST stock overview
- UPST income statement
- UPST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.