COMP <GO>
LIEN vs CPSS // ALTMAN Z-SCORE & DEBT/EQUITY
Chicago Atlantic BDC Inc. (NASDAQ) VS. Consumer Portfolio Services Inc. (NASDAQ) • 15-METRIC TALLY: LIEN 3
— CPSS 3
■ METRIC PARITY
LAST: $9.15 (+0.33%) • MKT CAP: $208.8M
balance-sheet
—
LAST: $9.96 (+1.32%) • MKT CAP: $218.2M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LIEN VS. CPSS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LIEN | CPSS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.00% | 6.20% | +4.80 | LIEN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -9.81% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 4.40% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 10.40% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 11.15% | 0.00% | +11.15 | LIEN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 6/9 | -4.00 | CPSS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.0 | 59.6 | -19.60 | CPSS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.9x | 10.5x | -4.60 | LIEN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $208.8M | $218.2M | -$9.4M | CPSS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LIEN REV | CPSS REV | LIEN GROSS % | CPSS GROSS % | LIEN FCF | CPSS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $434.5M | — | — | -$20.5M | $288.3M |
| FY 2024 | $0 | $393.5M | — | — | -$5.0M | $233.3M |
| FY 2023 | $0 | $352.0M | — | — | $5.7M | $238.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LIEN // BETA —
CPSS // BETA —