Comprehensive Stock Comparison
Compare Consumer Portfolio Services, Inc. (CPSS) vs ORIX Corporation (IX) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | CPSS | 11.8% revenue growth vs IX's 2.1% |
| Value | IX | Lower P/E (0.1x vs 3.3x), PEG 0.02 vs 0.11 |
| Quality / Margins | IX | 12.2% net margin vs CPSS's 4.9% |
| Stability / Safety | CPSS | Beta 0.46 vs IX's 0.68 |
| Dividends | IX | 2.1% yield; 1-year raise streak; CPSS pays no meaningful dividend |
| Momentum (1Y) | IX | +77.9% vs CPSS's -19.0% |
| Efficiency (ROA) | IX | 2.5% ROA vs CPSS's 0.5%, ROIC 2.4% vs 0.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Consumer Portfolio Services is a specialty finance company that purchases and services subprime auto loans from car dealerships. It generates revenue primarily from interest income on these auto loans — which constitute nearly all of its earnings — supplemented by fees from loan servicing and ancillary products. The company's competitive advantage lies in its specialized underwriting expertise for non-prime borrowers and established relationships with dealership networks that provide a steady flow of loan originations.
ORIX Corporation is a diversified financial services conglomerate operating across leasing, lending, real estate, and private equity. It generates revenue primarily through interest income from corporate finance and leasing operations (around 40%), fee income from asset management and real estate services (roughly 30%), and investment returns from private equity and infrastructure holdings. The company's competitive advantage lies in its integrated financial ecosystem—spanning traditional lending to alternative investments—and its extensive network across Asia, particularly Japan, which creates cross-selling opportunities and economies of scale.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
IX leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). CPSS leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
IX is the larger business by revenue, generating $2.87T annually — 7305.7x CPSS's $394M. IX is the more profitable business, keeping 12.2% of every revenue dollar as net income compared to CPSS's 4.9%.
| Metric | CPSSConsumer Portfoli… | IXORIX Corporation |
|---|---|---|
| RevenueTrailing 12 months | $394M | $2.87T |
| EBITDAEarnings before interest/tax | $29M | $717.3B |
| Net IncomeAfter-tax profit | $19M | $439.8B |
| Free Cash FlowCash after capex | $281M | $0 |
| Gross MarginGross profit ÷ Revenue | +52.7% | +41.8% |
| Operating MarginEBIT ÷ Revenue | +7.0% | +11.5% |
| Net MarginNet income ÷ Revenue | +4.9% | +12.2% |
| FCF MarginFCF ÷ Revenue | +59.3% | +41.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | 0.0% | +74.6% |
Valuation Metrics
At 10.3x trailing earnings, CPSS trades at a 43% valuation discount to IX's 18.1x P/E. Adjusting for growth (PEG ratio), CPSS offers better value at 0.35x vs IX's 3.40x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | CPSSConsumer Portfoli… | IXORIX Corporation |
|---|---|---|
| Market CapShares × price | $179M | $39.3B |
| Enterprise ValueMkt cap + debt − cash | $3.2B | $71.8B |
| Trailing P/EPrice ÷ TTM EPS | 10.25x | 18.07x |
| Forward P/EPrice ÷ next-FY EPS est. | 3.31x | 0.09x |
| PEG RatioP/E ÷ EPS growth rate | 0.35x | 3.40x |
| EV / EBITDAEnterprise value multiple | 113.07x | 15.33x |
| Price / SalesMarket cap ÷ Revenue | 0.46x | 2.13x |
| Price / BookPrice ÷ Book value/share | 0.67x | 1.52x |
| Price / FCFMarket cap ÷ FCF | 0.77x | 5.20x |
Profitability & Efficiency
IX delivers a 9.7% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $6 for CPSS. IX carries lower financial leverage with a 1.51x debt-to-equity ratio, signaling a more conservative balance sheet compared to CPSS's 10.78x. On the Piotroski fundamental quality scale (0–9), IX scores 6/9 vs CPSS's 4/9, reflecting solid financial health.
| Metric | CPSSConsumer Portfoli… | IXORIX Corporation |
|---|---|---|
| ROE (TTM)Return on equity | +6.3% | +9.7% |
| ROA (TTM)Return on assets | +0.5% | +2.5% |
| ROICReturn on invested capital | +0.7% | +2.4% |
| ROCEReturn on capital employed | +0.9% | +2.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 10.78x | 1.51x |
| Net DebtTotal debt minus cash | $3.0B | $5.08T |
| Cash & Equiv.Liquid assets | $137M | $1.21T |
| Total DebtShort + long-term debt | $3.2B | $6.28T |
| Interest CoverageEBIT ÷ Interest expense | 0.12x | 3.88x |
Total Returns (with DRIP)
A $10,000 investment in IX five years ago would be worth $22,877 today (with dividends reinvested), compared to $18,881 for CPSS. Over the past 12 months, IX leads with a +77.9% total return vs CPSS's -19.0%. The 3-year compound annual growth rate (CAGR) favors IX at 28.3% vs CPSS's -9.9% — a key indicator of consistent wealth creation.
| Metric | CPSSConsumer Portfoli… | IXORIX Corporation |
|---|---|---|
| YTD ReturnYear-to-date | -11.7% | +20.5% |
| 1-Year ReturnPast 12 months | -19.0% | +77.9% |
| 3-Year ReturnCumulative with dividends | -26.8% | +111.0% |
| 5-Year ReturnCumulative with dividends | +88.8% | +128.8% |
| 10-Year ReturnCumulative with dividends | +84.5% | +218.8% |
| CAGR (3Y)Annualised 3-year return | -9.9% | +28.3% |
Risk & Volatility
CPSS is the less volatile stock with a 0.46 beta — it tends to amplify market swings less than IX's 0.68 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. IX currently trades 96.0% from its 52-week high vs CPSS's 77.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CPSSConsumer Portfoli… | IXORIX Corporation |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.46x | 0.68x |
| 52-Week HighHighest price in past year | $10.51 | $37.04 |
| 52-Week LowLowest price in past year | $6.67 | $17.75 |
| % of 52W HighCurrent price vs 52-week peak | +77.1% | +96.0% |
| RSI (14)Momentum oscillator 0–100 | 47.6 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 14K | 175K |
Analyst Outlook
IX is the only dividend payer here at 2.09% yield — a key consideration for income-focused portfolios.
| Metric | CPSSConsumer Portfoli… | IXORIX Corporation |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 4 | — |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | $116.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +7.2% | +0.9% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Consumer Portfolio … (CPSS) | 100 | 244.57 | +144.6% |
| ORIX Corporation (IX) | 100 | 187.71 | +87.7% |
ORIX Corporation (IX) returned +129% over 5 years vs Consumer Portfolio … (CPSS)'s +89%. A $10,000 investment in IX 5 years ago would be worth $22,877 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Consumer Portfolio … (CPSS) | $422M | $394M | -6.8% |
| ORIX Corporation (IX) | $1.2T | $2.9T | +145.5% |
ORIX Corporation's revenue grew from $1.2T (2016) to $2.9T (2025) — a 10.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Consumer Portfolio … (CPSS) | 6.9% | 4.9% | -29.7% |
| ORIX Corporation (IX) | 22.2% | 12.2% | -44.9% |
ORIX Corporation's net margin went from 22% (2016) to 12% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Consumer Portfolio … (CPSS) | 29.6 | 13.7 | -53.7% |
| ORIX Corporation (IX) | 0.1 | 0.1 | +0.0% |
Consumer Portfolio Services, Inc. has traded in a 3x–30x P/E range over 8 years; current trailing P/E is ~10x. ORIX Corporation has traded in a 0x–0x P/E range over 9 years; current trailing P/E is ~18x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Consumer Portfolio … (CPSS) | 1.01 | 0.79 | -21.8% |
| ORIX Corporation (IX) | 198.52 | 307.16 | +54.7% |
ORIX Corporation's EPS grew from $198.52 (2016) to $307.16 (2025) — a 5% CAGR.
Chart 6Free Cash Flow — 5 Years
Consumer Portfolio Services, Inc. generated $233M FCF in 2024 (+19% vs 2021). ORIX Corporation generated $1.2T FCF in 2025 (+245% vs 2021).
CPSS vs IX: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is CPSS or IX a better buy right now?
Consumer Portfolio Services, Inc. (CPSS) offers the better valuation at 10.3x trailing P/E (3.3x 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 IX?
On trailing P/E, Consumer Portfolio Services, Inc. (CPSS) is the cheapest at 10.3x versus ORIX Corporation at 18.1x. On forward P/E, ORIX Corporation is actually cheaper at 0.1x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: ORIX Corporation wins at 0.02x versus Consumer Portfolio Services, Inc.'s 0.11x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — CPSS or IX?
Over the past 5 years, ORIX Corporation (IX) delivered a total return of +128.8%, compared to +88.8% for Consumer Portfolio Services, Inc. (CPSS). A $10,000 investment in IX five years ago would be worth approximately $23K today (assuming dividends reinvested). Over 10 years, the gap is even starker: IX returned +218.8% versus CPSS's +84.5%. 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 IX?
By beta (market sensitivity over 5 years), Consumer Portfolio Services, Inc. (CPSS) is the lower-risk stock at 0.46β versus ORIX Corporation's 0.68β — meaning IX is approximately 46% more volatile than CPSS relative to the S&P 500. On balance sheet safety, ORIX Corporation (IX) carries a lower debt/equity ratio of 151% versus 11% for Consumer Portfolio Services, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — CPSS or IX?
ORIX Corporation (IX) is the more profitable company, earning 12.2% net margin versus 4.9% for Consumer Portfolio Services, Inc. — meaning it keeps 12.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IX leads at 11.5% versus 7.0% for CPSS. At the gross margin level — before operating expenses — CPSS leads at 52.7%, 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.
06Is CPSS or IX more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, ORIX Corporation (IX) is the more undervalued stock at a PEG of 0.02x versus Consumer Portfolio Services, Inc.'s 0.11x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, ORIX Corporation (IX) trades at 0.1x forward P/E versus 3.3x for Consumer Portfolio Services, Inc. — 3.2x cheaper on a one-year earnings basis.
07Which pays a better dividend — CPSS or IX?
In this comparison, IX (2.1% yield) pays a dividend. CPSS does not pay a meaningful dividend and should not be held primarily for income.
08Is CPSS or IX better for a retirement portfolio?
For long-horizon retirement investors, ORIX Corporation (IX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.68), 2.1% yield, +218.8% 10Y return). Both have compounded well over 10 years (IX: +218.8%, CPSS: +84.5%), 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.
09What are the main differences between CPSS and IX?
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; IX is a mid-cap quality compounder stock. IX pays a dividend while CPSS does not, making them suitable for different income and tax situations. 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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