COMP <GO>
CPSS vs BAC // RETURN ON INVESTED CAPITAL (ROIC)
Consumer Portfolio Services Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CPSS 4
— BAC 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: CPSS
LAST: $9.96 (+1.32%) • MKT CAP: $218.2M
roic
6.20%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CPSS VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CPSS | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 6.20% | 2.50% | +3.70 | CPSS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.10% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 4.40% | 27.00% | -22.60 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 10.40% | 6.80% | +3.60 | CPSS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 63.4 | 38.3 | +25.13 | CPSS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.5x | 10.9x | -0.40 | CPSS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $218.2M | $357.61B | -$357.39B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CPSS REV | BAC REV | CPSS GROSS % | BAC GROSS % | CPSS FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $434.5M | $113.10B | — | — | $288.3M | $7.52B |
| FY 2024 | $393.5M | $105.86B | — | — | $233.3M | -$13.57B |
| FY 2023 | $352.0M | $102.77B | — | — | $238.0M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CPSS // BETA —
BAC // BETA 0.90