Consumer Portfolio Services (CPSS) Competitors

Esquire Financial (NASDAQ:ESQ) and Consumer Portfolio Services (NASDAQ:CPSS) 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, media sentiment, earnings, institutional ownership, profitability, risk, dividends and analyst recommendations.

Which has more risk and volatility, ESQ or CPSS?

Esquire Financial has a beta of 0.52, suggesting that its share price is 48% less volatile than the S&P 500. Comparatively, Consumer Portfolio Services has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500.

Which has better earnings & valuation, ESQ or CPSS?

Esquire Financial has higher earnings, but lower revenue than Consumer Portfolio Services. Consumer Portfolio Services is trading at a lower price-to-earnings ratio than Esquire Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Esquire Financial	$138.27M	5.81	$43.66M	$5.29	17.96
Consumer Portfolio Services	$393.51M	0.55	$19.20M	$0.79	12.76

Does the media favor ESQ or CPSS?

In the previous week, Esquire Financial and Esquire Financial both had 5 articles in the media. Esquire Financial's average media sentiment score of 0.97 beat Consumer Portfolio Services' score of 0.68 indicating that Esquire Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Esquire Financial	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Consumer Portfolio Services	0 Very Positive mention(s)	2 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is ESQ or CPSS more profitable?

Esquire Financial has a net margin of 31.37% compared to Consumer Portfolio Services' net margin of 4.72%. Esquire Financial's return on equity of 19.20% beat Consumer Portfolio Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Esquire Financial	31.37%	19.20%	2.45%
Consumer Portfolio Services	4.72%	6.68%	0.55%

Do institutionals and insiders hold more shares of ESQ or CPSS?

54.7% of Esquire Financial shares are owned by institutional investors. Comparatively, 47.6% of Consumer Portfolio Services shares are owned by institutional investors. 18.0% of Esquire Financial shares are owned by company insiders. Comparatively, 69.0% of Consumer Portfolio Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Do analysts rate ESQ or CPSS?

Esquire Financial presently has a consensus target price of $92.50, indicating a potential downside of 2.63%. Given Esquire Financial's stronger consensus rating and higher possible upside, equities analysts clearly believe Esquire Financial is more favorable than Consumer Portfolio Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Esquire Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
Consumer Portfolio Services	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

Esquire Financial beats Consumer Portfolio Services on 12 of the 15 factors compared between the two stocks.