CPSS
Price
$8.06
Change
-$0.10 (-1.23%)
Updated
Aug 28 closing price
Capitalization
179.13M
60 days until earnings call
UPBD
Price
$25.86
Change
-$0.21 (-0.81%)
Updated
Aug 28 closing price
Capitalization
1.5B
61 days until earnings call
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CPSS vs UPBD

Header iconCPSS vs UPBD Comparison
Open Charts CPSS vs UPBDBanner chart's image
Consumer Portfolio Services
Price$8.06
Change-$0.10 (-1.23%)
Volume$6.49K
Capitalization179.13M
Upbound Group
Price$25.86
Change-$0.21 (-0.81%)
Volume$653.19K
Capitalization1.5B
CPSS vs UPBD Comparison Chart in %
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CPSS
Daily Signalchanged days ago
Gain/Loss if bought
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UPBD
Daily Signalchanged days ago
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CPSS vs. UPBD commentary
Aug 29, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CPSS is a StrongBuy and UPBD is a StrongBuy.

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COMPARISON
Comparison
Aug 29, 2025
Stock price -- (CPSS: $8.06 vs. UPBD: $25.86)
Brand notoriety: CPSS and UPBD are both not notable
CPSS represents the Savings Banks, while UPBD is part of the Packaged Software industry
Current volume relative to the 65-day Moving Average: CPSS: 38% vs. UPBD: 92%
Market capitalization -- CPSS: $179.13M vs. UPBD: $1.5B
CPSS [@Savings Banks] is valued at $179.13M. UPBD’s [@Packaged Software] market capitalization is $1.5B. The market cap for tickers in the [@Savings Banks] industry ranges from $679.06B to $0. The market cap for tickers in the [@Packaged Software] industry ranges from $320.41B to $0. The average market capitalization across the [@Savings Banks] industry is $22.21B. The average market capitalization across the [@Packaged Software] industry is $9.09B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

CPSS’s FA Score shows that 0 FA rating(s) are green whileUPBD’s FA Score has 1 green FA rating(s).

  • CPSS’s FA Score: 0 green, 5 red.
  • UPBD’s FA Score: 1 green, 4 red.
According to our system of comparison, UPBD is a better buy in the long-term than CPSS.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

CPSS’s TA Score shows that 5 TA indicator(s) are bullish while UPBD’s TA Score has 6 bullish TA indicator(s).

  • CPSS’s TA Score: 5 bullish, 3 bearish.
  • UPBD’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, both CPSS and UPBD are a good buy in the short-term.

Price Growth

CPSS (@Savings Banks) experienced а -2.54% price change this week, while UPBD (@Packaged Software) price change was +8.47% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.17%. For the same industry, the average monthly price growth was +3.70%, and the average quarterly price growth was +18.39%.

The average weekly price growth across all stocks in the @Packaged Software industry was -0.48%. For the same industry, the average monthly price growth was +0.09%, and the average quarterly price growth was +22.38%.

Reported Earning Dates

CPSS is expected to report earnings on Oct 28, 2025.

UPBD is expected to report earnings on Oct 29, 2025.

Industries' Descriptions

@Savings Banks (+0.17% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

@Packaged Software (-0.48% weekly)

Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UPBD($1.5B) has a higher market cap than CPSS($179M). UPBD has higher P/E ratio than CPSS: UPBD (14.48) vs CPSS (10.20). UPBD YTD gains are higher at: -8.500 vs. CPSS (-25.783). UPBD has less debt than CPSS: UPBD (1.85B) vs CPSS (3.39B). UPBD has higher revenues than CPSS: UPBD (4.48B) vs CPSS (206M).
CPSSUPBDCPSS / UPBD
Capitalization179M1.5B12%
EBITDAN/A1.73B-
Gain YTD-25.783-8.500303%
P/E Ratio10.2014.4870%
Revenue206M4.48B5%
Total CashN/A107M-
Total Debt3.39B1.85B184%
FUNDAMENTALS RATINGS
CPSS vs UPBD: Fundamental Ratings
CPSS
UPBD
OUTLOOK RATING
1..100
1814
VALUATION
overvalued / fair valued / undervalued
1..100
44
Fair valued
3
Undervalued
PROFIT vs RISK RATING
1..100
6793
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
8053
P/E GROWTH RATING
1..100
100100
SEASONALITY SCORE
1..100
n/a90

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

UPBD's Valuation (3) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for CPSS (44). This means that UPBD’s stock grew somewhat faster than CPSS’s over the last 12 months.

CPSS's Profit vs Risk Rating (67) in the Finance Or Rental Or Leasing industry is in the same range as UPBD (93). This means that CPSS’s stock grew similarly to UPBD’s over the last 12 months.

CPSS's SMR Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as UPBD (100). This means that CPSS’s stock grew similarly to UPBD’s over the last 12 months.

UPBD's Price Growth Rating (53) in the Finance Or Rental Or Leasing industry is in the same range as CPSS (80). This means that UPBD’s stock grew similarly to CPSS’s over the last 12 months.

UPBD's P/E Growth Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as CPSS (100). This means that UPBD’s stock grew similarly to CPSS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CPSSUPBD
RSI
ODDS (%)
Bullish Trend 2 days ago
88%
Bearish Trend 2 days ago
76%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
81%
Bearish Trend 2 days ago
80%
Momentum
ODDS (%)
Bearish Trend 2 days ago
73%
Bullish Trend 2 days ago
77%
MACD
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
85%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
73%
Bullish Trend 2 days ago
70%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
72%
Bullish Trend 2 days ago
73%
Advances
ODDS (%)
Bullish Trend 11 days ago
82%
Bullish Trend 3 days ago
70%
Declines
ODDS (%)
Bearish Trend 4 days ago
76%
Bearish Trend 9 days ago
71%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
85%
Bullish Trend 2 days ago
81%
Aroon
ODDS (%)
Bearish Trend 2 days ago
70%
Bearish Trend 2 days ago
74%
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CPSS
Daily Signalchanged days ago
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UPBD
Daily Signalchanged days ago
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CPSS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CPSS has been loosely correlated with UPBD. These tickers have moved in lockstep 39% of the time. This A.I.-generated data suggests there is some statistical probability that if CPSS jumps, then UPBD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CPSS
1D Price
Change %
CPSS100%
-1.23%
UPBD - CPSS
39%
Loosely correlated
-0.81%
BBDC - CPSS
38%
Loosely correlated
+0.20%
ECPG - CPSS
37%
Loosely correlated
-0.79%
RM - CPSS
34%
Loosely correlated
+2.22%
ATLC - CPSS
34%
Loosely correlated
+0.88%
More

UPBD and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPBD has been closely correlated with PRG. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if UPBD jumps, then PRG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPBD
1D Price
Change %
UPBD100%
-0.81%
PRG - UPBD
67%
Closely correlated
-1.16%
ALLY - UPBD
53%
Loosely correlated
-0.02%
OMF - UPBD
52%
Loosely correlated
+0.37%
SYF - UPBD
52%
Loosely correlated
+1.08%
SPSC - UPBD
52%
Loosely correlated
-1.78%
More