Consumer Portfolio Services Inc (CPSS)vsSun Life Financial Inc. (SLF)
CPSS
Consumer Portfolio Services Inc
$9.77
-2.10%
FINANCIAL SERVICES · Cap: $221.90M
SLF
Sun Life Financial Inc.
$72.88
-1.21%
FINANCIAL SERVICES · Cap: $39.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 15802% more annual revenue ($35.59B vs $223.84M). CPSS leads profitability with a 10.6% profit margin vs 8.6%. CPSS appears more attractively valued with a PEG of 0.33. CPSS earns a higher WallStSmart Score of 75/100 (B).
CPSS
Strong Buy75
out of 100
Grade: B
SLF
Buy53
out of 100
Grade: C-
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
Earnings expanding 50.0% YoY
Revenue surging 22.7% year-over-year
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
0.7% revenue growth
Earnings declined 28.6%
Distress zone — elevated 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 22.7% demonstrates continued momentum. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
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.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
CPSS profiles as a growth stock while SLF is a value 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.
CPSS generates stronger free cash flow (94M), providing more financial flexibility.
Bottom Line
CPSS scores higher overall (75/100 vs 53/100) and 22.7% revenue growth. Both earn "Strong Buy" and "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 →Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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