Consumer Portfolio Services (NASDAQ:CPSS) and Golden Bull (NASDAQ:DNJR) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, dividends, institutional ownership, analyst recommendations, profitability and earnings.

Earnings and Valuation

This table compares Consumer Portfolio Services and Golden Bull’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Consumer Portfolio Services $434.38 million 0.20 $3.76 million $0.80 4.73
Golden Bull $6.95 million 13.63 -$940,000.00 N/A N/A

Consumer Portfolio Services has higher revenue and earnings than Golden Bull.

Profitability

This table compares Consumer Portfolio Services and Golden Bull’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Consumer Portfolio Services -0.11% 7.76% 0.60%
Golden Bull N/A N/A N/A

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Consumer Portfolio Services and Golden Bull, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Consumer Portfolio Services 0 0 2 0 3.00
Golden Bull 0 0 0 0 N/A

Consumer Portfolio Services currently has a consensus price target of $5.50, suggesting a potential upside of 45.50%. Given Consumer Portfolio Services’ higher probable upside, research analysts plainly believe Consumer Portfolio Services is more favorable than Golden Bull.

Institutional and Insider Ownership

50.4% of Consumer Portfolio Services shares are owned by institutional investors. 46.2% of Consumer Portfolio Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Consumer Portfolio Services beats Golden Bull on 8 of the 10 factors compared between the two stocks.

About Consumer Portfolio Services

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It purchases and services retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories, low incomes, or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who might not be able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. Consumer Portfolio Services, Inc. services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is headquartered in Irvine, California.

About Golden Bull

Golden Bull Limited operates as an online finance marketplace company in the People's Republic of China. The company's online marketplace connects individual lenders with individual and small business borrowers for short-term loans. It also provides investment and financing consultancy, and technical services. The company was founded in 2015 and is headquartered in Shanghai, the People's Republic of China.

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