CPSS
Consumer Portfolio Services, Inc.
There isn't enough reported data to score CPSS yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong 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.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
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.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI 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.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, 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.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI 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's revenue has grown year over year for 20 quarters in a row: $132M last quarter, up 22% from the same quarter a year ago.
| 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.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over CPSS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI 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 SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
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 the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| 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.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
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.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI 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).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (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 SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% 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 SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% 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 SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.