Consumer Portfolio Services Stock Buy Hold or Sell Recommendation
| CPSS Stock | USD 8.59 0.25 2.83% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Consumer Portfolio Services is 'Cautious Hold'. Macroaxis provides Consumer Portfolio buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding CPSS positions. The advice algorithm takes into account all of Consumer Portfolio's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Consumer Portfolio's buy or sell advice are summarized below:
Real Value 7.57 | Target Price 8 | Hype Value 8.59 | Market Value 8.59 | Naive Value 8 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Consumer Portfolio Services given historical horizon and risk tolerance towards Consumer Portfolio. When Macroaxis issues a 'buy' or 'sell' recommendation for Consumer Portfolio Services, the advice is generated through an automated system that utilizes algorithms and statistical models.
Consumer |
Execute Consumer Portfolio Buy or Sell Advice
The Consumer recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Consumer Portfolio Services. Macroaxis does not own or have any residual interests in Consumer Portfolio Services or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Consumer Portfolio's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | Very Weak | Details | |
Volatility | Somewhat reliable | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Consumer Portfolio Trading Alerts and Improvement Suggestions
| Consumer Portfolio generated a negative expected return over the last 90 days | |
| Consumer Portfolio has a strong financial position based on the latest SEC filings | |
| About 34.0% of the company shares are held by company insiders | |
| Latest headline from globenewswire.com: CPS Announces 319.9 Million Senior Subordinate Asset-Backed Securitization |
Consumer Portfolio Returns Distribution Density
The distribution of Consumer Portfolio's historical returns is an attempt to chart the uncertainty of Consumer Portfolio's future price movements. The chart of the probability distribution of Consumer Portfolio daily returns describes the distribution of returns around its average expected value. We use Consumer Portfolio Services price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Consumer Portfolio returns is essential to provide solid investment advice for Consumer Portfolio.
| Mean Return | 0.06 | Value At Risk | -4.18 | Potential Upside | 6.15 | Standard Deviation | 3.27 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Consumer Portfolio historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Consumer Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Consumer Portfolio is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Consumer Portfolio Services backward and forwards among themselves. Consumer Portfolio's institutional investor refers to the entity that pools money to purchase Consumer Portfolio's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Highpoint Advisor Group Llc | 81.7 K | Northern Trust Corp | 2023-12-31 | 79.9 K | American Century Companies Inc | 2023-12-31 | 74.2 K | Amvescap Plc. | 2023-12-31 | 54.2 K | Janney Montgomery Scott Llc | 2023-12-31 | 45.5 K | Denali Advisors Llc | 2023-12-31 | 36.6 K | Arrowstreet Capital Limited Partnership | 2023-12-31 | 32.5 K | Charles Schwab Investment Management Inc | 2023-12-31 | 24.9 K | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 23.9 K | Black Diamond Capital Management Llc | 2023-12-31 | 5.1 M | Dimensional Fund Advisors, Inc. | 2023-12-31 | 1.6 M |
Consumer Portfolio Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 10.7M | 3.3M | 32.4M | (13.8M) | (37.4M) | (35.5M) | |
| Free Cash Flow | 216.0M | 238.7M | 196.2M | 213.8M | 237.4M | 249.3M | |
| Depreciation | 1.1M | 1.8M | 1.7M | 1.6M | 847K | 804.7K | |
| Other Non Cash Items | 92.1M | 134.9M | 134.7M | 90.6M | 168.9M | 177.4M | |
| Capital Expenditures | 751K | 24K | 2.0M | 2.1M | 559K | 775.0K | |
| Net Income | 5.4M | 21.7M | 47.5M | 86.0M | 45.3M | 47.6M | |
| End Period Cash Flow | 140.8M | 144.2M | 176.5M | 162.8M | 125.4M | 131.7M | |
| Change To Inventory | 1.4M | 3.7M | 1.3M | 1.9M | 1.7M | 1.6M | |
| Investments | (522.9M) | 89.3M | (114.7M) | (713.7M) | (423.1M) | (402.0M) | |
| Change Receivables | 20.3M | 6.6M | 2.7M | 1.6M | 1.9M | 2.0M | |
| Net Borrowings | 24.4M | (313.8M) | (23.0M) | 519.3M | 467.4M | 490.8M | |
| Change To Netincome | 87.8M | 16.0M | 126.5M | (23.7M) | (21.3M) | (20.2M) |
Consumer Portfolio Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Consumer Portfolio or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Consumer Portfolio's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Consumer stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.03 | |
β | Beta against NYSE Composite | 1.04 | |
σ | Overall volatility | 2.93 | |
Ir | Information ratio | -0.008 |
Consumer Portfolio Volatility Alert
Consumer Portfolio Services currently demonstrates below-average downside deviation. It has Information Ratio of -0.01 and Jensen Alpha of -0.03. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Consumer Portfolio's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Consumer Portfolio's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Consumer Portfolio Fundamentals Vs Peers
Comparing Consumer Portfolio's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Consumer Portfolio's direct or indirect competition across all of the common fundamentals between Consumer Portfolio and the related equities. This way, we can detect undervalued stocks with similar characteristics as Consumer Portfolio or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Consumer Portfolio's fundamental indicators could also be used in its relative valuation, which is a method of valuing Consumer Portfolio by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Consumer Portfolio to competition |
| Fundamentals | Consumer Portfolio | Peer Average |
| Return On Equity | 0.18 | -0.31 |
| Return On Asset | 0.016 | -0.14 |
| Profit Margin | 0.21 % | (1.27) % |
| Operating Margin | 0.21 % | (5.51) % |
| Current Valuation | 2.75 B | 16.62 B |
| Shares Outstanding | 21.13 M | 571.82 M |
| Shares Owned By Insiders | 33.72 % | 10.09 % |
| Shares Owned By Institutions | 48.46 % | 39.21 % |
| Number Of Shares Shorted | 1.18 M | 4.71 M |
| Price To Earning | 9.22 X | 28.72 X |
| Price To Book | 0.71 X | 9.51 X |
| Price To Sales | 0.90 X | 11.42 X |
| Revenue | 340.01 M | 9.43 B |
| Gross Profit | 254.19 M | 27.38 B |
| EBITDA | 196.57 M | 3.9 B |
| Net Income | 45.34 M | 570.98 M |
| Cash And Equivalents | 11.35 M | 2.7 B |
| Cash Per Share | 0.54 X | 5.01 X |
| Total Debt | 2.57 B | 5.32 B |
| Current Ratio | 41.76 X | 2.16 X |
| Book Value Per Share | 12.97 X | 1.93 K |
| Cash Flow From Operations | 237.98 M | 971.22 M |
| Short Ratio | 35.99 X | 4.00 X |
| Earnings Per Share | 1.80 X | 3.12 X |
| Price To Earnings To Growth | 0.33 X | 4.89 X |
| Target Price | 8.0 | |
| Number Of Employees | 890 | 18.84 K |
| Beta | 2.09 | -0.15 |
| Market Capitalization | 186.79 M | 19.03 B |
| Total Asset | 2.91 B | 29.47 B |
| Retained Earnings | 247.86 M | 9.33 B |
| Working Capital | 2.04 B | 1.48 B |
| Current Asset | 2.07 B | 9.34 B |
Note: Disposition of 60000 shares by Terry Chris of Consumer Portfolio at 7.97 subject to Rule 16b-3 [view details]
Consumer Portfolio Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Consumer . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 533.03 | |||
| Daily Balance Of Power | (1.14) | |||
| Rate Of Daily Change | 0.97 | |||
| Day Median Price | 8.64 | |||
| Day Typical Price | 8.62 | |||
| Price Action Indicator | (0.17) | |||
| Period Momentum Indicator | (0.25) |
About Consumer Portfolio Buy or Sell Advice
When is the right time to buy or sell Consumer Portfolio Services? Buying financial instruments such as Consumer Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 1.9B | 2.5B | 2.6B | 1.3B | Total Assets | 2.2B | 2.8B | 2.9B | 1.5B |
Use Investing Ideas to Build Portfolios
In addition to having Consumer Portfolio in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Utilities Thematic Idea Now
Utilities
Fama and French investing themes focus on testing asset pricing under different economic assumptions. The Utilities theme has 61 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Utilities Theme or any other thematic opportunities.
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Check out Consumer Portfolio Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.
Complementary Tools for Consumer Stock analysis
When running Consumer Portfolio's price analysis, check to measure Consumer Portfolio's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Consumer Portfolio is operating at the current time. Most of Consumer Portfolio's value examination focuses on studying past and present price action to predict the probability of Consumer Portfolio's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Consumer Portfolio's price. Additionally, you may evaluate how the addition of Consumer Portfolio to your portfolios can decrease your overall portfolio volatility.
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Is Consumer Portfolio's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Consumer Portfolio. If investors know Consumer will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Consumer Portfolio listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.51) | Earnings Share 1.8 | Revenue Per Share 10.27 | Quarterly Revenue Growth (0.20) | Return On Assets 0.016 |
The market value of Consumer Portfolio is measured differently than its book value, which is the value of Consumer that is recorded on the company's balance sheet. Investors also form their own opinion of Consumer Portfolio's value that differs from its market value or its book value, called intrinsic value, which is Consumer Portfolio's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Consumer Portfolio's market value can be influenced by many factors that don't directly affect Consumer Portfolio's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Consumer Portfolio's value and its price as these two are different measures arrived at by different means. Investors typically determine if Consumer Portfolio is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Consumer Portfolio's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.