CPSS vs. BYD

Last updated Jun 23, 2026

CPSS (Consumer Portfolio Services, Inc.) and BYD (Boyd Gaming Corporation) are both stocks. CPSS operates in Credit Services (Financial Services), while BYD operates in Resorts & Casinos (Consumer Cyclical). Over the past 10 years, CPSS returned 10.60%/yr vs 17.64%/yr for BYD. At a 0.14 correlation, their price movements are largely independent.

Performance

CPSS vs. BYD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Consumer Portfolio Services, Inc. (CPSS) and Boyd Gaming Corporation (BYD). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CPSS achieves a 2.14% return, which is significantly higher than BYD's 1.78% return. Over the past 10 years, CPSS has underperformed BYD with an annualized return of 10.60%, while BYD has yielded a comparatively higher 17.64% annualized return.

CPSS

• 1D: -2.16%
• 1M: -0.42%
• YTD: 2.14%
• 6M: 2.36%
• 1Y: -1.14%
• 3Y*: -6.40%
• 5Y*: 16.56%
• 10Y*: 10.60%

BYD

• 1D: 1.97%
• 1M: 9.13%
• YTD: 1.78%
• 6M: 0.07%
• 1Y: 14.03%
• 3Y*: 10.59%
• 5Y*: 8.24%
• 10Y*: 17.64%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CPSS vs. BYD - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CPSS Consumer Portfolio Services, Inc.	2.14%	-14.09%	15.90%	5.88%	-25.32%	179.48%	25.82%	11.96%	-27.47%	-18.95%
BYD Boyd Gaming Corporation	1.78%	18.61%	17.13%	15.99%	-15.74%	52.77%	43.35%	45.51%	-40.25%	74.70%

Correlation

The correlation between CPSS and BYD is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.13
Correlation (3Y) Calculated over the trailing 3-year period	0.21
Correlation (5Y) Calculated over the trailing 5-year period	0.29
Correlation (10Y) Calculated over the trailing 10-year period	0.21
Correlation (All Time) Calculated using the full available price history since Oct 18, 1993	0.14

The correlation between CPSS and BYD shifts across timeframes, from 0.13 (1 year) to 0.29 (5 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap CPSS : $224.28M BYD : $6.63B
EPS CPSS : $0.84 BYD : $23.07
PE Ratio CPSS : 11.28 BYD : 3.74
PS Ratio CPSS : 0.69 BYD : 1.68
Total Revenue (TTM) CPSS : $327.60M BYD : $4.10B
Gross Profit (TTM) CPSS : $211.29M BYD : $1.62B
EBITDA (TTM) CPSS : $80.96M BYD : $2.78B

Return for Risk

CPSS vs. BYD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CPSS

CPSS Risk / Return Rank: 40
CPSS Sharpe Ratio Rank: 41
CPSS Sortino Ratio Rank: 38
CPSS Omega Ratio Rank: 37
CPSS Calmar Ratio Rank: 41
CPSS Martin Ratio Rank: 41

BYD

BYD Risk / Return Rank: 59
BYD Sharpe Ratio Rank: 60
BYD Sortino Ratio Rank: 53
BYD Omega Ratio Rank: 52
BYD Calmar Ratio Rank: 65
BYD Martin Ratio Rank: 65

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CPSS vs. BYD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Consumer Portfolio Services, Inc. (CPSS) and Boyd Gaming Corporation (BYD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	CPSS	BYD	Difference
Sharpe ratio: Return per unit of total volatility	-0.03	0.52	-0.55
Sortino ratio: Return per unit of downside risk	0.27	0.88	-0.60
Omega ratio: Gain probability vs. loss probability	1.03	1.11	-0.08
Calmar ratio: Return relative to maximum drawdown	-0.04	1.12	-1.16
Martin ratio: Return relative to average drawdown	-0.07	2.48	-2.55

CPSS vs. BYD - Sharpe Ratio Comparison

The current CPSS Sharpe Ratio is -0.03, which is lower than the BYD Sharpe Ratio of 0.52. The chart below compares the historical Sharpe Ratios of CPSS and BYD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

CPSS vs. BYD - Drawdown Comparison

The maximum CPSS drawdown since its inception was -99.08%, roughly equal to the maximum BYD drawdown of -94.49%. Use the drawdown chart below to compare losses from any high point for CPSS and BYD.

Drawdown Indicators

	CPSS	BYD	Difference
Max Drawdown Largest peak-to-trough decline	-99.08%	-94.49%	-4.59%
Max Drawdown (1Y) Largest decline over 1 year	-27.92%	-12.59%	-15.33%
Max Drawdown (3Y) Largest decline over 3 years	-45.91%	-30.29%	-15.62%
Max Drawdown (5Y) Largest decline over 5 years	-69.02%	-34.58%	-34.44%
Max Drawdown (10Y) Largest decline over 10 years	-81.48%	-80.01%	-1.47%
Current Drawdown Current decline from peak	-65.03%	-3.13%	-61.90%
Average Drawdown Average peak-to-trough decline	-74.47%	-50.65%	-23.82%
Ulcer Index Depth and duration of drawdowns from previous peaks	16.26%	5.68%	+10.58%

Volatility

CPSS vs. BYD - Volatility Comparison

Consumer Portfolio Services, Inc. (CPSS) has a higher volatility of 9.96% compared to Boyd Gaming Corporation (BYD) at 8.25%. This indicates that CPSS's price experiences larger fluctuations and is considered to be riskier than BYD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CPSS	BYD	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.96%	8.25%	+1.71%
Volatility (6M) Calculated over the trailing 6-month period	27.63%	20.41%	+7.22%
Volatility (1Y) Calculated over the trailing 1-year period	43.00%	27.20%	+15.80%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	58.39%	31.82%	+26.57%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	63.18%	43.22%	+19.96%

Dividends

CPSS vs. BYD - Dividend Comparison

CPSS has not paid dividends to shareholders, while BYD's dividend yield for the trailing twelve months is around 0.88%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
BYD Boyd Gaming Corporation	0.88%	0.84%	0.94%	1.02%	1.36%	0.00%	0.00%	0.90%	1.11%	0.43%
CPSS Consumer Portfolio Services, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both CPSS and BYD in my portfolio?

CPSS and BYD have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CPSS or BYD?

CPSS has higher volatility (9.96%) compared to BYD (8.25%). In terms of maximum drawdown, CPSS dropped -99.08% vs BYD's -94.49%.

Which has better risk-adjusted returns?

BYD currently has the higher Sharpe Ratio (0.52 vs -0.03), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.