Estados financieros detallados de Consumer Portfolio Services, Inc. (CPSS): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Consumer Portfolio Services, Inc. registró ingresos de $428.0M en el último ejercicio fiscal, con un CAGR de 5 años del 9.6%. El beneficio neto alcanzó $19.3M, con un CAGR a 5 años del -2.3%.
Márgenes de los últimos 12 meses: margen bruto 73.9%, margen operativo 34.5%, margen neto 4.8%. El flujo de caja libre creció a un CAGR del 3.8% en 5 años.
Al precio actual de $9.49, CPSS cotiza a un P/E de 9.59 y un ROE del 6.91%. La capitalización bursátil es de $206M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $422.3M | $434.4M | $389.8M | $345.8M | $271.2M | $267.8M | $329.7M | $352.0M | $393.5M | $428.0M |
| Coste de Ventas | $258.5M | $279.1M | $234.5M | $196.3M | $115.5M | $60.6M | $59.4M | $124.3M | $185.9M | $1.8M |
| Beneficio Bruto | $163.8M | $155.3M | $155.2M | $149.5M | $155.7M | $207.2M | $270.3M | $227.7M | $207.6M | $426.2M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $108.2M | $115.2M | $127.9M | $131.8M | $126.4M | $132.0M | $144.9M | $159.4M | $173.7M | $52.9M |
| Gastos Operativos | $114.2M | $123.3M | $136.5M | $140.3M | $135.6M | $141.4M | $154.1M | $166.6M | $180.1M | $166.2M |
| Beneficio Operativo | $49.7M | $32.1M | $18.7M | $9.2M | $20.1M | $65.7M | $116.2M | $61.1M | $27.4M | $260.0M |
| EBITDA | $50.4M | $33.0M | $19.7M | $10.2M | $21.9M | $67.4M | $117.8M | $61.9M | $28.3M | $260.0M |
| Gastos por Intereses | $79.9M | $92.3M | $101.5M | $110.5M | $101.3M | $75.2M | $87.5M | $146.6M | $191.3M | $232.0M |
| Beneficio Antes de Impuestos | $49.7M | $32.1M | $18.7M | $9.2M | $20.1M | $65.7M | $116.2M | $61.1M | $27.4M | $28.0M |
| Impuestos | $20.4M | $28.3M | $3.8M | $3.8M | -$1.6M | $18.2M | $30.2M | $15.8M | $8.2M | $8.7M |
| Beneficio Neto | $29.3M | $3.8M | $14.9M | $5.4M | $21.7M | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M |
| BPA | $1.20 | $0.17 | $0.68 | $0.24 | $0.96 | $2.11 | $4.10 | $2.17 | $0.90 | $0.88 |
| BPA Diluido | $1.01 | $0.14 | $0.59 | $0.22 | $0.90 | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 |
| Acciones en Circulación (Diluidas) | $29.0M | $27.2M | $25.0M | $24.1M | $24.0M | $25.8M | $26.6M | $25.2M | $24.3M | $24.1M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $108.4M | $109.4M | $112.3M | $121.4M |
| Beneficio Bruto | $50.0M | $50.6M | $111.9M | $121.4M |
| Beneficio Operativo | $7.0M | $7.2M | $68.1M | $73.3M |
| EBITDA | $7.2M | $7.4M | $68.3M | $73.5M |
| Beneficio Neto | $4.9M | $5.0M | $5.5M | $6.2M |
| BPA | $0.22 | $0.23 | $0.25 | $0.29 |
| BPA Diluido | $0.20 | $0.21 | $0.24 | $0.26 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $13.9M | $12.7M | $12.8M | $5.3M | $144.2M | $176.5M | $162.8M | $125.4M | $137.4M | $6.3M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cuentas por Cobrar | $36.2M | $46.8M | $32.0M | $11.6M | $1.94B | $1.93B | $2.55B | $2.75B | $3.32B | $3.66B |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $50.2M | $59.5M | $44.8M | $16.9M | 0 | 0 | 0 | 0 | 0 | $6.3M |
| Inmovilizado Material | $2.0M | $1.8M | $1.8M | $1.5M | $11.8M | $9.3M | $7.4M | $4.3M | $20.4M | 0 |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $2.41B | $2.42B | $2.49B | $2.54B | $2.15B | $2.16B | $2.76B | $2.91B | $3.50B | $3.86B |
| Cuentas por Pagar | $25.0M | $28.7M | $31.7M | 0 | 0 | 0 | 0 | 0 | 0 | $65.2M |
| Deuda a Corto | $103.4M | $112.4M | $136.8M | $134.8M | $39.7M | $41.9M | $18.3M | $7.2M | $13.8M | $14.3M |
| Pasivos Corrientes | $128.3M | $141.1M | $168.5M | $134.8M | 0 | 0 | $65.2M | 0 | 0 | $14.3M |
| Deuda a Largo | $2.10B | $2.10B | $2.12B | $2.15B | $1.94B | $1.91B | $2.46B | $2.56B | $3.12B | $3.47B |
| Pasivos Totales | $2.22B | $2.24B | $2.29B | $2.34B | $2.02B | $1.99B | $2.53B | $2.63B | $3.21B | $3.55B |
| Reservas | $115.8M | $119.5M | $134.4M | $139.8M | $69.0M | $116.5M | $202.5M | $247.9M | $267.1M | $286.4M |
| Patrimonio Neto | $186.2M | $183.9M | $197.1M | $202.6M | $133.4M | $170.2M | $228.4M | $274.7M | $292.8M | $309.5M |
| Deuda Total | $2.20B | $2.21B | $2.26B | $2.29B | $1.98B | $1.95B | $2.48B | $2.57B | $3.16B | $3.51B |
| Deuda Neta | $2.19B | $2.20B | $2.24B | $2.28B | $1.84B | $1.78B | $2.31B | $2.45B | $3.02B | $3.50B |
| Capital Circulante | -$78.2M | -$81.6M | -$123.8M | -$117.9M | 0 | 0 | -$65.2M | 0 | 0 | -$7.9M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $151.9M | $6.3M | $6.9M | $7.5M |
| Activos Totales | $3.81B | $3.86B | $4.05B | $4.42B |
| Pasivos Totales | $3.50B | $3.55B | $3.74B | $4.10B |
| Patrimonio Neto | $307.6M | $309.5M | $314.4M | $319.2M |
| Deuda Total | $3.46B | $3.51B | $3.69B | $4.01B |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $29.3M | $3.8M | $14.9M | $5.4M | $21.7M | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M |
| Amortizaciones | $777000 | $934000 | $992000 | $1.1M | $1.8M | $1.7M | $1.6M | $847000 | $862000 | $881000 |
| Compensación en Acciones | $5.6M | $5.7M | $3.5M | $2.1M | $1.9M | $2.0M | $4.4M | $3.5M | $3.0M | $2.7M |
| Cambio en Capital Circulante | -$23.2M | $8.5M | $26.5M | $24.1M | $26.7M | $15.4M | $23.9M | $13.0M | $2.2M | $1.8M |
| Flujo de Caja Operativo | $196.3M | $215.6M | $216.2M | $216.8M | $238.8M | $198.2M | $215.9M | $238.0M | $233.8M | $289.0M |
| Inversiones (CapEx) | -$1.1M | -$669000 | -$1.1M | -$751000 | -$24000 | -$2.0M | -$2.1M | -$559000 | -$433000 | -$709000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$10.5M | -$12.3M | -$5.3M | -$1.4M | -$1.2M | -$25.7M | -$46.1M | -$20.3M | -$12.8M | -$8.7M |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | $195.3M | $215.0M | $215.1M | $216.0M | $238.7M | $196.2M | $213.8M | $237.4M | $233.3M | $288.3M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $84.9M | $75.8M | $83.8M | $106.1M |
| Inversiones (CapEx) | -$49000 | -$65000 | -$796000 | $796000 |
| Flujo de Caja Libre | $84.9M | $75.7M | $83.0M | $106.9M |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | $501000 | $808000 | $512000 | $578000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +2.9% | -10.3% | -11.3% | -21.6% | -1.2% | +23.1% | +6.8% | +11.8% | +8.8% |
| Crecimiento Beneficio Neto (anual) | | -87.2% | +294.7% | -63.6% | +301.0% | +119.2% | +80.9% | -47.3% | -57.6% | +0.6% |
| Crecimiento BPA (anual) | | -85.8% | +300.0% | -64.7% | +300.0% | +119.8% | +94.3% | -47.1% | -58.5% | -2.2% |
| Cambio en Acciones (anual) | | -6.3% | -8.2% | -3.7% | -0.3% | +7.4% | +3.1% | -5.2% | -3.5% | -1.0% |
| Crecimiento FCF (anual) | | +10.1% | +0.1% | +0.4% | +10.5% | -17.8% | +9.0% | +11.1% | -1.7% | +23.6% |
| Margen Bruto | 38.8% | 35.8% | 39.8% | 43.2% | 57.4% | 77.4% | 82.0% | 64.7% | 52.7% | 99.6% |
| Margen Operativo | 11.8% | 7.4% | 4.8% | 2.6% | 7.4% | 24.5% | 35.2% | 17.4% | 7.0% | 60.8% |
| Margen EBITDA | 11.9% | 7.6% | 5.1% | 3.0% | 8.1% | 25.2% | 35.7% | 17.6% | 7.2% | 60.8% |
| Margen Neto | 6.9% | 0.9% | 3.8% | 1.6% | 8.0% | 17.7% | 26.1% | 12.9% | 4.9% | 4.5% |
| Margen FCF | 46.2% | 49.5% | 55.2% | 62.5% | 88.0% | 73.3% | 64.8% | 67.4% | 59.3% | 67.4% |
| Tasa Impositiva Efectiva | 41.0% | 88.3% | 20.5% | 41.0% | -7.7% | 27.7% | 26.0% | 25.8% | 30.0% | 31.0% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $6.72 | $7.90 | $8.61 | $8.98 | $9.95 | $7.61 | $8.04 | $9.41 | $9.59 | $11.97 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $24.4M | $22.7M | $22.0M | $22.4M | $22.6M | $22.6M | $21.0M | $20.9M | $21.3M | $21.9M |
Qué mirar en Servicios Financieros
Asset managers, brokers, fintech, bolsas. No son bancos — mira AUM, comisiones y calidad del FCF.
- Crecimiento ingresos 5y — Sin crecimiento, no hay creación de valor a largo plazo
- Margen operativo — Los buenos asset managers tienen márgenes >30% por escalabilidad
- ROE — Servicios financieros de calidad tienen ROE >15% consistente
- FCF / Net Income — Calidad del beneficio — >90% esperado en negocios ligeros en capital
- Debt / Equity — Fintech y brokers con D/E alto son bombas de relojería en crisis
- P/E vs 5y propio — Asset managers tienen múltiplos estables en rangos conocidos
- Dividend yield + buybacks — Estos negocios devuelven mucho capital — mirar yield total (div + recompras)
Rentabilidad
| Rentabilidad sobre capital | 6.91% |
| Rentabilidad sobre capital invertido | 2.48% |
| Rentabilidad sobre activos | 0.49% |
| Margen bruto | 73.94% |
| Margen operativo | 34.46% |
| Margen neto | 4.79% |
Salud financiera
| Deuda / Patrimonio | 12.56 |
| Ratio corriente | 0.23 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 0.47 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 4.27 | 24.41 | 4.43 | 14.04 | 4.42 | 5.62 | 2.16 | 4.32 | 12.07 | 10.60 |
| P/VC | 0.67 | 0.51 | 0.34 | 0.37 | 0.72 | 1.57 | 0.81 | 0.71 | 0.79 | 0.66 |
| P/V | 0.30 | 0.22 | 0.17 | 0.22 | 0.35 | 1.00 | 0.56 | 0.56 | 0.59 | 0.48 |
| Margen Bruto | 38.8% | 35.8% | 39.8% | 43.2% | 57.4% | 77.4% | 82.0% | 64.7% | 52.7% | 99.6% |
| Margen Operativo | 11.8% | 7.4% | 4.8% | 2.6% | 7.4% | 24.5% | 35.2% | 17.4% | 7.0% | 60.8% |
| Margen Neto | 6.9% | 0.9% | 3.8% | 1.6% | 8.0% | 17.7% | 26.1% | 12.9% | 4.9% | 4.5% |