Capital One Financial Corporation (COF)vsConsumer Portfolio Services Inc (CPSS)
COF
Capital One Financial Corporation
$208.30
+0.57%
FINANCIAL SERVICES · Cap: $127.79B
CPSS
Consumer Portfolio Services Inc
$9.43
+0.64%
FINANCIAL SERVICES · Cap: $203.26M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 22618% more annual revenue ($48.11B vs $211.77M). COF leads profitability with a 21.9% profit margin vs 10.2%. COF appears more attractively valued with a PEG of 0.19. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
CPSS
Strong Buy73
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
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
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
Areas to Watch
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bull 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.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
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.
Key Dynamics to Monitor
CPSS carries more volatility with a beta of 1.11 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
COF scores higher overall (75/100 vs 73/100), backed by strong 21.9% margins and 1111.0% 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.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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.
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