Comparing Consumer Portfolio Services (NASDAQ:CPSS) & Mercurity Fintech (NASDAQ:MFH)

Mercurity Fintech (NASDAQ:MFH) and Consumer Portfolio Services (NASDAQ:CPSS) are both small-cap business services companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.

Profitability

This table compares Mercurity Fintech and Consumer Portfolio Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Mercurity Fintech	N/A	N/A	N/A
Consumer Portfolio Services	7.22%	9.76%	0.89%

Volatility and Risk

Mercurity Fintech has a beta of 1.92, meaning that its share price is 92% more volatile than the S&P 500. Comparatively, Consumer Portfolio Services has a beta of 2.01, meaning that its share price is 101% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for Mercurity Fintech and Consumer Portfolio Services, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Mercurity Fintech	0	0	0	0	N/A
Consumer Portfolio Services	0	0	0	0	N/A

Institutional & Insider Ownership

30.8% of Mercurity Fintech shares are held by institutional investors. Comparatively, 47.6% of Consumer Portfolio Services shares are held by institutional investors. 62.8% of Mercurity Fintech shares are held by company insiders. Comparatively, 67.7% of Consumer Portfolio Services shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Mercurity Fintech and Consumer Portfolio Services”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mercurity Fintech	$445,928.00	186.85	-$9.36 million	N/A	N/A
Consumer Portfolio Services	$204.84 million	0.99	$45.34 million	$1.44	6.70

Consumer Portfolio Services has higher revenue and earnings than Mercurity Fintech.

Summary

Consumer Portfolio Services beats Mercurity Fintech on 8 of the 9 factors compared between the two stocks.

About Mercurity Fintech

Mercurity Fintech Holding Inc. operates as a fintech company powered by blockchain. The company provides digital asset trading infrastructure solutions based on internet and blockchain technologies for cryptocurrency traders; and asset digitalization platform, which offers blockchain-based digitalization solutions for traditional assets, such as fiat currencies, bonds, and precious metals. It also offers cryptocurrency mining services that provides computing power to the mining pool; and digital consultation services, such as digital payment solutions, asset management, and online and traditional brokerage services. The company was formerly known as JMU Limited and changed its name to Mercurity Fintech Holding Inc. in April 2020. Mercurity Fintech Holding Inc. was incorporated in 2011 and is headquartered in New York, New York.

About Consumer Portfolio Services

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of 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 or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.