CPSS
Consumer Portfolio Services, Inc.
Financial - Credit Services
Market Cap$223M
5Y Perf.+301.2%
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Stock Comparison
CPSS vs ALLY
Revenue, margins, valuation, and 5-year total return — side by side.
ALLY
Ally Financial Inc.
Financial - Credit Services
Market Cap$13.51B
5Y Perf.+151.1%
CPSS vs ALLY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CPSS | ALLY |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $223M | $13.51B |
| Revenue (TTM) | $428M | $12.15B |
| Net Income (TTM) | $19M | $852M |
| Gross Margin | 99.6% | 52.0% |
| Operating Margin | 60.8% | 8.6% |
| Forward P/E | 4.2x | 8.2x |
| Total Debt | $3.51B | $21.77B |
| Cash & Equiv. | $6M | $10.03B |
CPSS vs ALLY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CPSS
ALLY
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Consumer Portfolio … (CPSS) | 100 | 401.2 | +301.2% |
| Ally Financial Inc. (ALLY) | 100 | 251.1 | +151.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CPSS vs ALLY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CPSS leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Ally Financial Inc. is the stronger pick specifically for recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
CPSS
Consumer Portfolio Services, Inc.
The Banking Pick
CPSS carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 0.70
- Rev growth 8.8%, EPS growth 1.3%
- Lower volatility, beta 0.70, current ratio 0.44x
Best for: income & stability and growth exposure
ALLY
Ally Financial Inc.
The Banking Pick
ALLY is the clearest fit if your priority is long-term compounding.
- 209.6% 10Y total return vs CPSS's 176.1%
- +38.4% vs CPSS's +12.6%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CPSS | 8.8% NII/revenue growth vs ALLY's -25.7% |
| Value | CPSS | Lower P/E (4.2x vs 8.2x) |
| Quality / Margins | CPSS | Efficiency ratio 0.4% vs ALLY's 0.4% (lower = leaner) |
| Stability / Safety | CPSS | Beta 0.70 vs ALLY's 1.42 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | ALLY | +38.4% vs CPSS's +12.6% |
| Efficiency (ROA) | CPSS | Efficiency ratio 0.4% vs ALLY's 0.4% |
CPSS vs ALLY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
CPSS vs ALLY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCPSSLAGGINGALLY
ALLYAlly Financial Inc.
1leads
CPSSConsumer Portfolio Se…
3leads
6 Total Categories
CATEGORYLEADERvs ALLYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
CPSS4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CPSS8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ALLY4/6
Risk & VolatilityBeta, volatility, and downside exposure
CPSS2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
Evenly matched — CPSS and ALLY each lead in 2 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
ALLY is the larger business by revenue, generating $12.2B annually — 28.4x CPSS's $428M. Profitability is closely matched — net margins range from 7.0% (ALLY) to 4.5% (CPSS).
| Metric | CPSSConsumer Portfoli… | ALLYAlly Financial In… |
|---|---|---|
| RevenueTrailing 12 months | $428M | $12.2B |
| EBITDAEarnings before interest/tax | $88M | $2.0B |
| Net IncomeAfter-tax profit | $19M | $852M |
| Free Cash FlowCash after capex | $288M | -$295M |
| Gross MarginGross profit ÷ Revenue | +99.6% | +52.0% |
| Operating MarginEBIT ÷ Revenue | +60.8% | +8.6% |
| Net MarginNet income ÷ Revenue | +4.5% | +7.0% |
| FCF MarginFCF ÷ Revenue | +67.5% | — |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | 0.0% | +2.7% |
Evenly matched — CPSS and ALLY each lead in 2 of 4 comparable metrics.
Valuation Metrics
CPSS leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 12.8x trailing earnings, CPSS trades at a 31% valuation discount to ALLY's 18.5x P/E. On an enterprise value basis, ALLY's 12.8x EV/EBITDA is more attractive than CPSS's 14.3x.
| Metric | CPSSConsumer Portfoli… | ALLYAlly Financial In… |
|---|---|---|
| Market CapShares × price | $223M | $13.5B |
| Enterprise ValueMkt cap + debt − cash | $3.7B | $25.2B |
| Trailing P/EPrice ÷ TTM EPS | 12.84x | 18.48x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.19x | 8.21x |
| PEG RatioP/E ÷ EPS growth rate | 0.14x | — |
| EV / EBITDAEnterprise value multiple | 14.27x | 12.84x |
| Price / SalesMarket cap ÷ Revenue | 0.52x | 1.11x |
| Price / BookPrice ÷ Book value/share | 0.80x | 0.89x |
| Price / FCFMarket cap ÷ FCF | 0.77x | — |
CPSS leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
CPSS leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
CPSS delivers a 6.3% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $5 for ALLY. ALLY carries lower financial leverage with a 1.40x debt-to-equity ratio, signaling a more conservative balance sheet compared to CPSS's 11.33x. On the Piotroski fundamental quality scale (0–9), CPSS scores 6/9 vs ALLY's 4/9, reflecting solid financial health.
| Metric | CPSSConsumer Portfoli… | ALLYAlly Financial In… |
|---|---|---|
| ROE (TTM)Return on equity | +6.3% | +5.5% |
| ROA (TTM)Return on assets | +0.5% | +0.4% |
| ROICReturn on invested capital | +5.4% | +2.2% |
| ROCEReturn on capital employed | +7.1% | +3.0% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | 11.33x | 1.40x |
| Net DebtTotal debt minus cash | $3.5B | $11.7B |
| Cash & Equiv.Liquid assets | $6M | $10.0B |
| Total DebtShort + long-term debt | $3.5B | $21.8B |
| Interest CoverageEBIT ÷ Interest expense | 0.38x | 0.22x |
CPSS leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ALLY leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CPSS five years ago would be worth $23,884 today (with dividends reinvested), compared to $9,186 for ALLY. Over the past 12 months, ALLY leads with a +38.4% total return vs CPSS's +12.6%. The 3-year compound annual growth rate (CAGR) favors ALLY at 23.7% vs CPSS's -0.2% — a key indicator of consistent wealth creation.
| Metric | CPSSConsumer Portfoli… | ALLYAlly Financial In… |
|---|---|---|
| YTD ReturnYear-to-date | +12.0% | -3.0% |
| 1-Year ReturnPast 12 months | +12.6% | +38.4% |
| 3-Year ReturnCumulative with dividends | -0.5% | +89.1% |
| 5-Year ReturnCumulative with dividends | +138.8% | -8.1% |
| 10-Year ReturnCumulative with dividends | +176.1% | +209.6% |
| CAGR (3Y)Annualised 3-year return | -0.2% | +23.7% |
ALLY leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
CPSS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CPSS is the less volatile stock with a 0.70 beta — it tends to amplify market swings less than ALLY's 1.42 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CPSS currently trades 98.2% from its 52-week high vs ALLY's 92.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CPSSConsumer Portfoli… | ALLYAlly Financial In… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.70x | 1.42x |
| 52-Week HighHighest price in past year | $10.46 | $47.27 |
| 52-Week LowLowest price in past year | $6.67 | $32.28 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +92.6% |
| RSI (14)Momentum oscillator 0–100 | 80.4 | 58.6 |
| Avg Volume (50D)Average daily shares traded | 22K | 3.5M |
CPSS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates CPSS as "Buy" and ALLY as "Buy".
| Metric | CPSSConsumer Portfoli… | ALLYAlly Financial In… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $53.33 |
| # AnalystsCovering analysts | 4 | 38 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +3.9% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
CPSS leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). ALLY leads in 1 (Total Returns). 1 tied.
Best OverallConsumer Portfolio Services… (CPSS)Leads 3 of 6 categories
Loading custom metrics...
CPSS vs ALLY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CPSS or ALLY a better buy right now?
For growth investors, Consumer Portfolio Services, Inc.
(CPSS) is the stronger pick with 8. 8% revenue growth year-over-year, versus -25. 7% for Ally Financial Inc. (ALLY). Consumer Portfolio Services, Inc. (CPSS) offers the better valuation at 12. 8x trailing P/E (4. 2x forward), making it the more compelling value choice. Analysts rate Consumer Portfolio Services, Inc. (CPSS) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CPSS or ALLY?
On trailing P/E, Consumer Portfolio Services, Inc.
(CPSS) is the cheapest at 12. 8x versus Ally Financial Inc. at 18. 5x. On forward P/E, Consumer Portfolio Services, Inc. is actually cheaper at 4. 2x.
03Which is the better long-term investment — CPSS or ALLY?
Over the past 5 years, Consumer Portfolio Services, Inc.
(CPSS) delivered a total return of +138. 8%, compared to -8. 1% for Ally Financial Inc. (ALLY). Over 10 years, the gap is even starker: ALLY returned +209. 6% versus CPSS's +176. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CPSS or ALLY?
By beta (market sensitivity over 5 years), Consumer Portfolio Services, Inc.
(CPSS) is the lower-risk stock at 0. 70β versus Ally Financial Inc. 's 1. 42β — meaning ALLY is approximately 103% more volatile than CPSS relative to the S&P 500. On balance sheet safety, Ally Financial Inc. (ALLY) carries a lower debt/equity ratio of 140% versus 11% for Consumer Portfolio Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CPSS or ALLY?
By revenue growth (latest reported year), Consumer Portfolio Services, Inc.
(CPSS) is pulling ahead at 8. 8% versus -25. 7% for Ally Financial Inc. (ALLY). On earnings-per-share growth, the picture is similar: Ally Financial Inc. grew EPS 31. 7% year-over-year, compared to 1. 3% for Consumer Portfolio Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CPSS or ALLY?
Ally Financial Inc.
(ALLY) is the more profitable company, earning 7. 0% net margin versus 4. 5% for Consumer Portfolio Services, Inc. — meaning it keeps 7. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CPSS leads at 60. 8% versus 8. 6% for ALLY. At the gross margin level — before operating expenses — CPSS leads at 99. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CPSS or ALLY more undervalued right now?
On forward earnings alone, Consumer Portfolio Services, Inc.
(CPSS) trades at 4. 2x forward P/E versus 8. 2x for Ally Financial Inc. — 4. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — CPSS or ALLY?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is CPSS or ALLY better for a retirement portfolio?
For long-horizon retirement investors, Consumer Portfolio Services, Inc.
(CPSS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 70), +176. 1% 10Y return). Both have compounded well over 10 years (CPSS: +176. 1%, ALLY: +209. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CPSS and ALLY?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CPSS is a small-cap deep-value stock; ALLY is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CPSS: 8.8% · ALLY: -25.7%)Net Margin>
%
(CPSS: 4.5% · ALLY: 7.0%)P/E Ratio<
x
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