Consumer Portfolio [CPSS] vs Visa [V] Detailed Stock Comparison

Consumer Portfolio Services Inc.

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric Consumer Portfolio Services Inc. Visa Inc. Better
P/E Ratio (TTM) 10.70 28.98 Consumer Portfolio Services Inc.
Price-to-Book Ratio 0.60 15.42 Consumer Portfolio Services Inc.
Debt-to-Equity Ratio 1,131.72 54.61 Visa Inc.
PEG Ratio -2.57 1.66 Visa Inc.
EV/EBITDA N/A 20.50 N/A
Profit Margin (TTM) 9.72% 50.23% Visa Inc.
Operating Margin (TTM) 14.27% 68.30% Visa Inc.
EBITDA Margin (TTM) 14.27% 68.30% Visa Inc.
Return on Equity 6.42% 53.95% Visa Inc.
Return on Assets (TTM) 0.53% 18.36% Visa Inc.
Free Cash Flow (TTM) $288.29M $21.58B Visa Inc.
Dividend Yield N/A 0.78% N/A
1-Year Return 8.95% -10.63% Consumer Portfolio Services Inc.
Price-to-Sales Ratio (TTM) 0.95 14.39 Consumer Portfolio Services Inc.
Enterprise Value $3.68B $594.14B Visa Inc.
EV/Revenue Ratio 18.52 14.35 Visa Inc.
Gross Profit Margin (TTM) N/A 81.68% N/A
Revenue per Share (TTM) $9 $21 Visa Inc.
Earnings per Share (Diluted) $0.80 $10.66 Visa Inc.
Beta (Stock Volatility) 1.08 0.80 Visa Inc.
Short % of Float 2.45% 1.40% Visa Inc.

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

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CPSS
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Consumer Portfolio Services Inc.0.87%-6.06%-7.77%10.65%6.78%-0.33%
Visa Inc.2.49%-4.64%-4.42%-2.63%-5.22%-9.84%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Consumer Portfolio Services Inc.8.95%-14.34%99.60%150.89%857.28%33.06%
Visa Inc.-10.63%42.65%41.81%308.26%1,549.95%1,928.34%

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

MetricCPSSV
Market Information
Market Cap i$186.06M$596.57B
Market Cap CategoryMicro capMega cap
10 Day Avg. Volume i20,1376,138,912
90 Day Avg. Volume i21,9266,859,421
Last Close$9.23$320.18
52 Week Range$6.67 - $10.49$293.89 - $375.51
% from 52W High-12.01%-14.73%
All-Time High$18.25 (Sep 08, 1997)$375.51 (Jun 11, 2025)
% from All-Time High-49.42%-14.73%
Growth Metrics
Quarterly Revenue Growth0.05%0.15%
Quarterly Earnings Growth-0.03%0.14%
Financial Health
Profit Margin (TTM) i0.10%0.50%
Operating Margin (TTM) i0.14%0.68%
Return on Equity (TTM) i0.06%0.54%
Debt to Equity (MRQ) i1,131.7254.61
Cash & Liquidity
Book Value per Share (MRQ)$14.17$20.03
Cash per Share (MRQ)$0.29$8.60
Operating Cash Flow (TTM) i$289.00M$24.44B
Levered Free Cash Flow (TTM) i$19.33M$22.03B
Dividends
Last 12-Month Dividend Yield iN/A0.78%
Last 12-Month Dividend iN/A$2.52

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

MetricCPSS (Apr 24, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i10.7028.98
Forward P/E i5.9021.23
PEG Ratio i-2.571.66
Price to Sales (TTM) i0.9514.39
Price to Book (MRQ) i0.6015.42
Market Capitalization
Market Capitalization i$186.06M$596.57B
Enterprise Value i$3.68B$594.14B
Enterprise Value Metrics
Enterprise to Revenue i18.5214.35
Enterprise to EBITDA iN/A20.50
Risk & Other Metrics
Beta i1.080.80
Book Value per Share (MRQ) i$14.17$20.03

Financial Statements Comparison: Consumer Portfolio Services Inc. vs Visa 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)V (2025)
Revenue/Sales i202.45M40.00B
Cost of Goods Sold iN/A7.86B
COGS % of Revenue i0.0%19.6%
Gross Profit iN/A32.15B
Gross Margin i0.0%80.4%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A26.56B
Operating Margin i0.0%66.4%
EBITDA iN/A27.78B
EBITDA Margin i0.0%69.4%
Pre-Tax Income i28.00M24.19B
Pre-Tax Income % of Revenue i13.8%60.5%
Income Tax i8.68M4.14B
Income Tax % of Revenue i4.3%10.3%
Net Income (Profit) i19.33M20.06B
Profit Margin i9.5%50.1%

Balance Sheet & Liquidity Metrics

MetricCPSS (2025)V (2025)
Cash & Equivalents i6.32M17.16B
Total Current Assets iN/A37.77B
Total Current Assets % of Revenue i0.0%94.4%
Total Current Liabilities iN/A35.05B
Total Current Liabilities % of Revenue i0.0%87.6%
Long-Term Debt i3.16B19.60B
Long-Term Debt % of Revenue i1,560.2%49.0%
Total Shareholders Equity i309.54M37.91B
Retained Earnings i286.39M15.11B
Retained Earnings % of Revenue i141.5%37.8%
Property, Plant & Equipment iN/A0

Cash Flow Statement Comparison

MetricCPSS (2025)V (2025)
Operating Cash Flow i291.04M22.89B
Operating Cash Flow % of Revenue i143.8%57.2%
Capital Expenditures i-709,000-1.48B
Free Cash Flow i288.29M21.58B
FCF Margin i142.4%53.9%
Debt Repayment i-1.29B0
Common Stock Repurchase i-8.67M-18.32B

Short Interest & Institutional Ownership Analysis

MetricCPSSV
Shares Short i237,11723.46M
Short Ratio i11.613.17
Short % of Float i2.45%1.40%
Shares Outstanding i21.84M1.93B
Float Shares i8.74M1.74B
% Held by Insiders i33.32%0.59%
% Held by Institutions i46.67%90.99%
% Held by Public i20.01%8.42%

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

MetricCPSSV
Last 12-Month Dividend iN/A$2.52
Last 12-Month Dividend Yield iN/A0.78%
3-Year Avg Annual Dividend iN/A$2.23
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$6.68
Ex-Dividend DateN/AFeb 10, 2026