Capital One Financial Corporation (COF)vsConsumer Portfolio Services Inc (CPSS)
COF
Capital One Financial Corporation
$193.60
-1.78%
FINANCIAL SERVICES · Cap: $125.67B
CPSS
Consumer Portfolio Services Inc
$9.77
-2.10%
FINANCIAL SERVICES · Cap: $221.90M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 21743% more annual revenue ($48.89B vs $223.84M). COF leads profitability with a 22.2% profit margin vs 10.6%. COF appears more attractively valued with a PEG of 0.18. CPSS earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
CPSS
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 50.0% YoY
Revenue surging 22.7% year-over-year
Areas to Watch
Weak financial health signals
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, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.
Bull Case : CPSS
The strongest argument for CPSS centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 22.7% 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, Altman Z-Score.
Bear Case : CPSS
The primary concerns for CPSS are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 13.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
COF profiles as a mature stock while CPSS is a growth play — different risk/reward profiles.
CPSS carries more volatility with a beta of 1.14 — expect wider price swings.
CPSS is growing revenue faster at 22.7% — sustainability is the question.
COF generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 75/100), backed by strong 22.2% margins. 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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