Consumer Portfolio Services (CPSS) vs X Financial (XYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Consumer Portfolio Services (CPSS) has outperformed X Financial (XYF) over the past year, gaining 19.8% versus a loss of 65.3%. Over five years, CPSS leads with a +47.9% price change compared with +17.4% for XYF. Consumer Portfolio Services is the larger company by market cap ($206.3 million vs $187.3 million), about 1.1 times the size.
On valuation, Consumer Portfolio Services trades at a lower forward P/E (6.5x vs 13.7x for X Financial). X Financial pays a dividend yielding 75.27%, while Consumer Portfolio Services does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CPSS | XYF |
|---|---|---|
| Share price | $9.42 | $5.07 |
| Market cap | $206.35M | $187.25M |
| 1-day change | -0.42% | -4.16% |
| YTD return | +0.96% | -9.46% |
| 1-year return | +19.85% | -65.32% |
| 5-year return | +47.88% | +17.36% |
| P/E ratio (TTM) | 10.35 | 2.43 |
| Forward P/E | 6.50 | 13.70 |
| EPS (TTM) | $0.91 | $2.09 |
| Dividend yield | 0.00% | 75.27% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $10.49 | $14.65 |
| 52-week low | $7.39 | $3.30 |
| Distance from 52-week high | -10.20% | -65.39% |
| Average volume | 23.55K | 59.65K |
| Shares outstanding | 21.91M | 20.67M |
| Employees | 994 | 643 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CPSS has outperformed XYF by 85.2 percentage points over the past year.
- Consumer Portfolio Services trades at a higher earnings multiple (10.4x vs 2.4x trailing P/E).
- X Financial offers a meaningfully higher dividend yield (75.27% vs 0.00%).
About Consumer Portfolio Services
CPSS stock →Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States.
Finance · Finance: Consumer Services · 994 employees
About X Financial
XYF stock →X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product.
Finance · Finance: Consumer Services · 643 employees
CPSS vs XYF FAQ
Which is bigger, Consumer Portfolio Services or X Financial?
Consumer Portfolio Services (CPSS) is larger, with a market capitalization of $206.35M compared with $187.25M for X Financial (XYF).
Which stock has performed better over the past year, CPSS or XYF?
CPSS returned +19.85% over the past 12 months, compared with -65.32% for XYF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CPSS or XYF?
XYF has the lower trailing P/E at 2.4, versus 10.4 for CPSS. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Consumer Portfolio Services or X Financial?
X Financial pays a dividend yielding 75.27%, while Consumer Portfolio Services does not currently pay a regular dividend.
Are Consumer Portfolio Services and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.