CPSS vs XYF

Comparison between Consumer Portfolio Service Inc (CPSS, Company) and X Financial (XYF, Company).

Both CPSS and XYF are from the Financial Services sector.

5-Year PerformanceCPSS has outperformed XYF, delivering a return of +11.2% compared to +3.7%

CPSS vs XYF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CPSS(COMPANY)	XYF(COMPANY)
Market Cap	$206M	$205M
Max Drawdown	97.01%	95.82%
Sharpe Ratio	0.47	-1.20
5Y Beta	0.46	0.76
Industry	Credit Services	Credit Services
P/E Ratio	9.61	0.98
Forward P/E	5.21	N/A
PEG Ratio	0.93	0.16
Dividend Yield	N/A	10.70%
5Y EPS CAGR	-0.16%	16.91%
Debt to Equity	0.00%	5.23%

Market Cap

Winner

CPSS

$206M

XYF

$205M

Max Drawdown

CPSS

97.01%

Winner

XYF

95.82%

Sharpe Ratio

Winner

CPSS

0.47

XYF

-1.20

5Y Beta

Winner

CPSS

0.46

XYF

0.76

Industry

CPSS

Credit Services

XYF

Credit Services

P/E Ratio

CPSS

9.61

Winner

XYF

0.98

Forward P/E

CPSS

5.21

XYF

N/A

PEG Ratio

CPSS

0.93

Winner

XYF

0.16

Dividend Yield

CPSS

N/A

XYF

10.70%

5Y EPS CAGR

CPSS

-0.16%

Winner

XYF

16.91%

Debt to Equity

Winner

CPSS

0.00%

XYF

5.23%

CPSS vs XYF - Historical Returns

Returns include dividend reinvestment.

Period	CPSS	XYF
1 month	+6.76%	+20.48%
3 months	-0.72%	+22.47%
6 months	+12.42%	+14.15%
1 year	+10.30%	-57.63%
5 years(CAGR)	+11.24%	+3.66%
10 years(CAGR)	+8.92%	N/A
Max(CAGR)	+10.36%	-18.71%

CPSS

+6.76%

Winner

XYF

+20.48%

CPSS

-0.72%

Winner

XYF

+22.47%

CPSS

+12.42%

Winner

XYF

+14.15%

Winner

CPSS

+10.30%

XYF

-57.63%

5Y(CAGR)

Winner

CPSS

+11.24%

XYF

+3.66%

10Y(CAGR)

CPSS

+8.92%

XYF

N/A

Max(CAGR)

Winner

CPSS

+10.36%

XYF

-18.71%

CPSS vs XYF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CPSS	XYF
2026	+5.13%	+1.90%
2025	-12.39%	-31.04%
2024	+19.47%	+139.08%
2023	+9.08%	+27.81%
2022	-23.71%	-3.51%
2021	+182.82%	+55.15%
2020	+24.71%	-62.12%
2019	+3.06%	-60.19%
2018	-27.82%	-64.33%
2017	-18.79%	N/A
2016	+3.02%	N/A
2015	-29.58%	N/A
2014	-20.95%	N/A
2013	+70.11%	N/A
2012	+464.27%	N/A
2011	-28.80%	N/A
2010	-0.83%	N/A
2009	+105.26%	N/A
2008	-88.75%	N/A
2007	-47.50%	N/A
2006	+16.04%	N/A
2005	+24.96%	N/A
2004	+33.79%	N/A
2003	+84.16%	N/A
2002	+34.84%	N/A
2001	-12.35%	N/A
2000	-8.00%	N/A
1999	+127.35%	N/A

CPSS vs XYF Drawdown Comparison

The maximum drawdown for CPSS was -97.01%, occurring on Feb 20, 2009. Recovery took 1697 trading sessions.

The maximum drawdown for XYF was -95.75%, occurring on Sep 24, 2020. This drawdown has not yet recovered.

The current CPSS drawdown is -36.12%. The current XYF drawdown is -80.53%.

Rank	CPSS	XYF
#1	-97.01% May 9, 2006 - Feb 5, 2013	-95.75% Sep 19, 2018 - Sep 24, 2020
#2	-91.29% Apr 2, 2013 - Feb 9, 2022	N/A
#3	-69.02% May 9, 2022 - Oct 19, 2022	N/A
#4	-65.63% Jan 10, 2000 - Nov 19, 2001	N/A
#5	-56.62% Apr 18, 2002 - Jun 20, 2003	N/A
#6	-48.08% Nov 19, 2001 - Apr 11, 2002	N/A
#7	-47.16% Nov 5, 1999 - Jan 6, 2000	N/A
#8	-30.74% Feb 9, 2022 - May 9, 2022	N/A
#9	-27.32% Feb 18, 2005 - Oct 12, 2005	N/A
#10	-22.78% Nov 20, 2003 - Apr 13, 2004	N/A
#11	-20.72% Jun 20, 2003 - Jul 28, 2003	N/A
#12	-18.26% Jul 29, 2003 - Oct 23, 2003	N/A
#13	-16.91% Oct 23, 2003 - Nov 7, 2003	N/A
#14	-16.02% Oct 27, 2005 - Feb 2, 2006	N/A
#15	-15.84% Sep 22, 2004 - Jan 21, 2005	N/A