CPSS vs MFIN: stock comparison and AI forecast
Consumer Portfolio Services, Inc. (CPSS) and Medallion Financial Corp (MFIN) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CPSS Consumer Portfolio Services, Inc.
- Price
- $9.88 -3.8% · 6M
- Market Cap
- $216M
- P/E Ratio
- 11.0x
- Size
- small-cap
- AI Forecast
MFIN Medallion Financial Corp
- Price
- $9.92 +3.8% · 6M
- Market Cap
- $228M
- P/E Ratio
- 6.4x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- CPSS and MFIN have similar market capitalizations ($216M and $228M).
- MFIN trades at 6.4 times trailing earnings, CPSS at 11.0 times.
- Over the last six months MFIN returned +3.8% and CPSS -3.8%.
- MFIN turns 18.3% of its revenue into net income, against 5.0% for CPSS.
- CPSS carries 13.89 times debt per unit of equity, against 7.03 times for MFIN.
- MFIN yields 5.34% in dividends; CPSS pays none.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CPSS | MFIN |
|---|---|---|
| Market Cap | $216M | $228M |
| P/E Ratio | 10.98x | 6.36x |
| P/B Ratio | 0.67x | 0.57x |
| Dividend Yield | – | 5.34% |
| EPS | $0.90 | $1.56 |
| Book Value/Share | $14.85 | $17.41 |
| Revenue/Share | $21.74 | $6.42 |
| FCF/Share | $16.42 | – |
Profitability & Margins
| Metric | CPSS | MFIN |
|---|---|---|
| ROE | 7.3% | 6.8% |
| ROA | 0.5% | 0.8% |
| Net Margin | 5.0% | 18.3% |
| EBT Margin | 7.2% | 36.6% |
| Tax Rate | 31.0% | 32.6% |
Financial Health
| Metric | CPSS | MFIN |
|---|---|---|
| D/E Ratio | 13.89x | 7.03x |
| Financial Leverage | 14.89x | 8.41x |
Cash Flow
| Metric | CPSS | MFIN |
|---|---|---|
| Operating Cash Flow | $360M | $137M |
| Free Cash Flow | $359M | – |
| Capital Spending | -$1M | – |
| OCF Growth YoY | 28.1% | 13.5% |
| FCF Growth YoY | 27.9% | – |
| FCF/Sales | 75.5% | – |
| CapEx/Sales | 0.3% | – |
Operational Efficiency
| Metric | CPSS | MFIN |
|---|---|---|
| Asset Turnover | 0.10x | 0.04x |
| Fixed Assets Turnover | 339.3x | – |
Income Statement
| Metric | CPSS | MFIN |
|---|---|---|
| Total Revenue | $475M | $147M |
| Net Income | $24M | $27M |
| SG&A Expense | $88M | – |
Dividend & Shareholder Information
| Metric | CPSS | MFIN |
|---|---|---|
| Dividends Per Share | – | $0.53 |
| Payout Ratio | – | 34.0% |
| Shares Outstanding | 22M | 23M |
| Net Income Growth | 21.6% | -34.1% |
| EPS Growth | 13.9% | 6.1% |
CPSS vs MFIN: stock comparison and AI forecast
Which is bigger, CPSS or MFIN?
CPSS and MFIN have similar market capitalizations ($216M and $228M).
Which is cheaper on earnings, CPSS or MFIN?
MFIN trades at 6.4 times trailing earnings, CPSS at 11.0 times.
Which stock performed better over the last six months, CPSS or MFIN?
Over the last six months MFIN returned +3.8% and CPSS -3.8%.
Which one does Intratio's AI model rank higher, CPSS or MFIN?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.