Consumer Portfolio [CPSS] vs Mastercard [MA] Detailed Stock Comparison

Consumer Portfolio Services Inc.

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Consumer Portfolio Services Inc. wins in 4 metrics, Mastercard Inc. wins in 14 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Consumer Portfolio Services Inc. Mastercard Inc. Better
P/E Ratio (TTM) 10.70 30.95 Consumer Portfolio Services Inc.
Price-to-Book Ratio 0.60 59.09 Consumer Portfolio Services Inc.
Debt-to-Equity Ratio 1,131.72 256.04 Mastercard Inc.
PEG Ratio -2.57 1.27 Mastercard Inc.
EV/EBITDA N/A 22.63 N/A
Profit Margin (TTM) 9.72% 45.65% Mastercard Inc.
Operating Margin (TTM) 14.27% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 14.27% 57.73% Mastercard Inc.
Return on Equity 6.42% 209.92% Mastercard Inc.
Return on Assets (TTM) 0.53% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $288.29M $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return 8.95% -15.65% Consumer Portfolio Services Inc.
Price-to-Sales Ratio (TTM) 0.95 13.92 Consumer Portfolio Services Inc.
Enterprise Value $3.68B $464.97B Mastercard Inc.
EV/Revenue Ratio 18.52 14.18 Mastercard Inc.
Gross Profit Margin (TTM) N/A 79.35% N/A
Revenue per Share (TTM) $9 $36 Mastercard Inc.
Earnings per Share (Diluted) $0.80 $16.52 Mastercard Inc.
Beta (Stock Volatility) 1.08 0.83 Mastercard Inc.
Short % of Float 2.45% 0.70% Mastercard Inc.

Consumer Portfolio Services Inc. vs Mastercard Inc. Stock Performance Analysis

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CPSS
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Consumer Portfolio Services Inc.0.87%-6.06%-7.77%10.65%6.78%-0.33%
Mastercard Inc.2.17%-4.75%-6.58%-10.06%-14.84%-16.26%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Consumer Portfolio Services Inc.8.95%-14.34%99.60%150.89%857.28%33.06%
Mastercard Inc.-15.65%32.18%34.96%414.40%1,682.68%10,410.21%

Performance & Financial Health Analysis: Consumer Portfolio Services Inc. vs Mastercard Inc.

MetricCPSSMA
Market Information
Market Cap i$186.06M$448.34B
Market Cap CategoryMicro capMega cap
10 Day Avg. Volume i20,1373,152,477
90 Day Avg. Volume i21,9263,291,506
Last Close$9.23$481.76
52 Week Range$6.67 - $10.49$464.52 - $601.77
% from 52W High-12.01%-19.94%
All-Time High$18.25 (Sep 08, 1997)$601.77 (Aug 22, 2025)
% from All-Time High-49.42%-19.94%
Growth Metrics
Quarterly Revenue Growth0.05%0.18%
Quarterly Earnings Growth-0.03%0.22%
Financial Health
Profit Margin (TTM) i0.10%0.46%
Operating Margin (TTM) i0.14%0.58%
Return on Equity (TTM) i0.06%2.10%
Debt to Equity (MRQ) i1,131.72256.04
Cash & Liquidity
Book Value per Share (MRQ)$14.17$8.65
Cash per Share (MRQ)$0.29$12.22
Operating Cash Flow (TTM) i$289.00M$17.65B
Levered Free Cash Flow (TTM) i$19.33M$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: Consumer Portfolio Services Inc. vs Mastercard Inc.

MetricCPSS (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i10.7030.95
Forward P/E i5.9022.56
PEG Ratio i-2.571.27
Price to Sales (TTM) i0.9513.92
Price to Book (MRQ) i0.6059.09
Market Capitalization
Market Capitalization i$186.06M$448.34B
Enterprise Value i$3.68B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i18.5214.18
Enterprise to EBITDA iN/A22.63
Risk & Other Metrics
Beta i1.080.83
Book Value per Share (MRQ) i$14.17$8.65

Financial Statements Comparison: Consumer Portfolio Services Inc. vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCPSS (2025)MA (2025)
Revenue/Sales i202.45M32.79B
Cost of Goods Sold iN/A7.25B
COGS % of Revenue i0.0%22.1%
Gross Profit iN/A25.54B
Gross Margin i0.0%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A19.51B
Operating Margin i0.0%59.5%
EBITDA iN/A20.82B
EBITDA Margin i0.0%63.5%
Pre-Tax Income i28.00M18.58B
Pre-Tax Income % of Revenue i13.8%56.7%
Income Tax i8.68M3.61B
Income Tax % of Revenue i4.3%11.0%
Net Income (Profit) i19.33M14.97B
Profit Margin i9.5%45.6%

Balance Sheet & Liquidity Metrics

MetricCPSS (2025)MA (2025)
Cash & Equivalents i6.32M10.57B
Total Current Assets iN/A23.56B
Total Current Assets % of Revenue i0.0%71.8%
Total Current Liabilities iN/A22.76B
Total Current Liabilities % of Revenue i0.0%69.4%
Long-Term Debt i3.16B18.25B
Long-Term Debt % of Revenue i1,560.2%55.7%
Total Shareholders Equity i309.54M7.75B
Retained Earnings i286.39M85.04B
Retained Earnings % of Revenue i141.5%259.3%
Property, Plant & Equipment iN/A3.71B

Cash Flow Statement Comparison

MetricCPSS (2025)MA (2025)
Operating Cash Flow i291.04M19.44B
Operating Cash Flow % of Revenue i143.8%59.3%
Capital Expenditures i-709,000-489.00M
Free Cash Flow i288.29M16.43B
FCF Margin i142.4%50.1%
Debt Repayment i-1.29B-750.00M
Common Stock Repurchase i-8.67M-11.73B

Short Interest & Institutional Ownership Analysis

MetricCPSSMA
Shares Short i237,1176.24M
Short Ratio i11.611.83
Short % of Float i2.45%0.70%
Shares Outstanding i21.84M894.04M
Float Shares i8.74M883.99M
% Held by Insiders i33.32%0.55%
% Held by Institutions i46.67%90.43%
% Held by Public i20.01%9.02%

Dividend Analysis & Yield Comparison: Consumer Portfolio Services Inc. vs Mastercard Inc.

MetricCPSSMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026