CPSS vs KMX
CPSS: A subprime auto finance company that buys dealer-originated contracts and securitizes them to fund lending to credit-challenged car buyers. KMX: America's largest used-car retailer, combining transparent no-haggle pricing with omni-channel digital shopping and in-house financing to disrupt traditional auto retail.
Side-by-side fundamentals
| Metric | CPSS | KMX | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $9.43 | $58.39 | |
| Market cap as of 2026-07-24 | $197M | $8.2B | |
| P/E as of 2026-07-24 | 9.78 | 36.67 | CPSS lower |
| PEG as of 2026-07-24 | 1.75 | n/a | |
| Net margin as of 2026-07-24 | +4.6% | +0.8% | CPSS higher |
| Gross margin as of 2026-07-24 | +45.7% | +10.5% | CPSS higher |
| Operating margin as of 2026-07-24 | +6.0% | +1.4% | CPSS higher |
| ROE as of 2026-07-24 | +6.5% | +3.7% | CPSS higher |
| ROA as of 2026-07-24 | +0.5% | +0.8% | KMX higher |
| Debt / equity as of 2026-07-24 | 11.67 | 2.99 | KMX lower |
| Revenue growth (YoY) as of 2026-07-24 | +12.3% | -1.6% | CPSS higher |
| Revenue CAGR (3y) SEC XBRL | +9.6% | -4.5% | CPSS higher |
| Beta as of 2026-07-24 | 1.12 | 1.16 | |
| 1-year return as of 2026-07-23 close | +6.8% | -7.1% | CPSS higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.