CPSS
Consumer Portfolio Services, Inc.
There isn't enough reported data to score CPSS yet.
JPM
JPMorgan Chase & Co.
JPM's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
CPSS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
CPSS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CPSS.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
CPSS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4x | $4.08 | -58% |
| Fair | 6.3x | $6.44 | -34% |
| Current | 9.6x | $9.77 | — |
| Expensive | 11x | $10.91 | +12% |
Historical ranges are pointers, not guarantees.
CPSS's PE is 9.6x, but its earnings don't support one, so it isn't a reliable read right now.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over CPSS in the historical PE scenario, which offers more potential upside but is not a forecast.
CPSS Forward outlook
There aren't enough analyst estimates for CPSS to show an outlook.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CPSS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.02 | +27% |
| Q2 2026 | $0.92 | +15% |
| Q1 2026 | $0.85 | +7.6% |
| Q4 2025 | $0.80 | +1.3% |
| Q3 2025 | $0.80 | -9.1% |
| Q2 2025 | $0.80 | -27% |
| Q1 2025 | $0.79 | -46% |
| Q4 2024 | $0.79 | -56% |
CPSS's earnings per share have fallen from their peak: $1.02 over the past year, against $3.33 in late 2022.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over CPSS on earnings, with more consistent year-over-year improvement.
CPSS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $131.9M | +22% |
| Q2 2026 | $121.4M | +11% |
| Q1 2026 | $112.3M | +5.1% |
| Q4 2025 | $109.4M | +3.9% |
| Q3 2025 | $108.4M | +7.8% |
| Q2 2025 | $109.8M | +14% |
| Q1 2025 | $106.9M | +16% |
| Q4 2024 | $105.3M | +14% |
CPSS has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 7.6% | +1.1 points |
| Q2 2026 | 7.4% | +1.1 points |
| Q1 2026 | 7.2% | +0.8 points |
| Q4 2025 | 6.6% | -0.4 points |
| Q3 2025 | 6.5% | -0.3 points |
| Q2 2025 | 6.3% | -0.6 points |
| Q1 2025 | 6.4% | -0.8 points |
| Q4 2024 | 7% | -3.7 points |
CPSS's operating margin was 7.6% last quarter, up 1.1 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over CPSS on profitability, with a higher operating margin.
CPSS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $94.2M | +11% |
| Q2 2026 | $105.9M | +95% |
| Q1 2026 | $83M | +13% |
| Q4 2025 | $75.7M | +11% |
| Q3 2025 | $84.9M | +22% |
| Q2 2025 | $54.3M | +26% |
| Q1 2025 | $73.4M | +40% |
| Q4 2024 | $67.9M | +22% |
CPSS has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
CPSS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -165K shares |
| 1 year | -3% | -726K shares |
| 3 years | -7.5% | -1.9M shares |
| 5 years | -2.3% | -559K shares |
CPSS has 23M diluted shares, down 3% from a year ago, with $11M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.2M |
| Q2 2026 | $2.5M |
| Q1 2026 | $1.2M |
| Q4 2025 | $2.6M |
| Q3 2025 | $981,000 |
| Q2 2025 | $5.1M |
| Q1 2025 | — |
| Q4 2024 | — |
CPSS spent $11M buying back its own shares over the past year, up 86% from the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
CPSS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 118.9x | High |
| Q2 2026 | 119.1x | High |
| Q1 2026 | 115.7x | High |
| Q4 2025 | 115.4x | High |
| Q3 2025 | 112.6x | High |
| Q2 2025 | 111.2x | High |
| Q1 2025 | 108.4x | High |
| Q4 2024 | 107.5x | High |
CPSS's net debt is more than 20 years of its operating earnings (EBITDA), up from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CPSS.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM has the edge over CPSS on leverage, with a lower net debt burden relative to earnings.
CPSS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.7 | Neutral |
| Stochastic | 88.7 | Overbought |
CPSS's weekly RSI is 55 (neutral) and its Stochastic is 89 (overbought).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
CPSS PE vs Financial Services Sector
| Metric | CPSS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 72 | 63 | 9 pts above |
CPSS has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
CPSS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.64 | 1.3% above |
| 20 week MA | $9.49 | 3% above |
| 50 week MA | $9.12 | 7.1% above |
| 100 week MA | $9.15 | 6.8% above |
| 200 week MA | $9.42 | 3.7% above |
CPSS has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
CPSS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $3.37 | $4.24 | +26% |
| 2021 | $4.24 | $8.94 | +111% |
| 2022 | $8.94 | $8.53 | -4.6% |
| 2023 | $8.53 | $9.37 | +9.8% |
| 2024 | $9.37 | $10.5 | +12% |
| 2025 | $10.5 | $9.13 | -13% |
| 2026 YTD | $9.13 | $9.77 | +7% |
CPSS has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.