Consumer Portfolio Services Inc (CPSS)vsSynchrony Financial (SYF)
CPSS
Consumer Portfolio Services Inc
$9.77
-2.10%
FINANCIAL SERVICES · Cap: $221.90M
SYF
Synchrony Financial
$71.65
-0.50%
FINANCIAL SERVICES · Cap: $23.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 4271% more annual revenue ($9.78B vs $223.84M). SYF leads profitability with a 34.1% profit margin vs 10.6%. 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
SYF
Strong Buy69
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
Earnings expanding 50.0% YoY
Revenue surging 22.7% year-over-year
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 49.8%
Every $100 of equity generates 20 in profit
Growing faster than its price suggests
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
Elevated debt levels
Revenue declined 4.7%
Earnings declined 6.3%
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 : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 49.8%. PEG of 0.91 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 : SYF
The primary concerns for SYF are Debt/Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CPSS profiles as a growth stock while SYF is a declining play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.40 — expect wider price swings.
CPSS is growing revenue faster at 22.7% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
CPSS scores higher overall (75/100 vs 69/100) and 22.7% 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 →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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