COMP <GO>

CPSS vs HKD // OPERATING MARGIN

Consumer Portfolio Services Inc. (NASDAQ) VS. AMTD Digital Inc. (every five of which represent two ) (Class A) (NYSE) • 15-METRIC TALLY: CPSS 2 — HKD 3

■ METRIC PARITY

CPSS — Consumer Portfolio Services Inc. ROARABLE C • RQD 63/100

LAST: $9.96 (+1.32%) • MKT CAP: $218.2M

DES <GO> FA <GO> 10-K RED <GO>

operating-margins

—

HKD — AMTD Digital Inc. (every five of which represent two ) (Class A) ROARABLE C- • RQD 59/100

LAST: $1.73 (0.00%) • MKT CAP: $218.3M

DES <GO> FA <GO> 10-K RED <GO>

operating-margins

0.80%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CPSS VS. HKD) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CPSS	HKD	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	6.20%	—	—	TIE	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	—	6.56%	—	TIE	/fcf-yield <GO>
Operating Margin ACTIVE	—	0.80%	—	TIE	/operating-margins <GO>
Net Profit Margin	4.40%	68.00%	-63.60	HKD	/net-margins <GO>
Revenue Growth (YoY)	10.40%	180.00%	-169.60	HKD	/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	5/9	+1.00	CPSS	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	63.4	43.3	+20.10	CPSS	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	10.5x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$218.2M	$218.3M	-$88.0K	HKD	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CPSS REV	HKD REV	CPSS GROSS %	HKD GROSS %	CPSS FCF	HKD FCF
FY 2025	$434.5M	$136.1M	—	—	$288.3M	$14.3M
FY 2024	$393.5M	$20.4M	—	—	$233.3M	$4.1M
FY 2023	$352.0M	$12.0M	—	—	$238.0M	—

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CPSS // BETA —

HKD // BETA —