Consumer Portfolio Services Inc (CPSS)vsVisa Inc. Class A (V)
CPSS
Consumer Portfolio Services Inc
$9.43
+0.64%
FINANCIAL SERVICES · Cap: $203.26M
V
Visa Inc. Class A
$370.45
+0.88%
FINANCIAL SERVICES · Cap: $691.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 20907% more annual revenue ($44.49B vs $211.77M). V leads profitability with a 50.8% profit margin vs 10.2%. CPSS appears more attractively valued with a PEG of 0.33. CPSS earns a higher WallStSmart Score of 73/100 (B).
CPSS
Strong Buy73
out of 100
Grade: B
V
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
18.9% revenue growth
Earnings expanding 35.0% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.6x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPSS
The strongest argument for CPSS centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 18.9% demonstrates continued momentum. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : CPSS
The primary concerns for CPSS are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 12.56 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
CPSS profiles as a growth stock while V is a mature play — different risk/reward profiles.
CPSS carries more volatility with a beta of 1.11 — expect wider price swings.
CPSS is growing revenue faster at 18.9% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
CPSS scores higher overall (73/100 vs 68/100) and 18.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Consumer Portfolio Services Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Consumer Portfolio Services, Inc. is a specialized finance company in the United States. The company is headquartered in Las Vegas, Nevada.
Visit Website →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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