Consumer Portfolio Services, Inc. (CPSS) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans.
Analysis Summary
Consumer Portfolio Services, Inc. reported revenue of $428.0M in the most recent fiscal year, growing at a 5-year CAGR of 9.6%. Net income reached $19.3M, with a -2.3% 5-year CAGR.
Trailing-twelve-month margins: gross margin 73.9%, operating margin 34.5%, net margin 4.8%. Free cash flow grew at 3.8% CAGR over 5 years.
At the current price of $9.49, CPSS trades at a P/E of 9.59 and an ROE of 6.91%. Market capitalisation stands at $206M.
Balance sheet quality for CPSS: current ratio of 0.4, net debt of $3.50B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $288.3M represents 1492% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $9.49 |
| Market Cap | $206M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 9.59 |
| Price / Book | 0.65 |
| EV / EBITDA | 26.87 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | 6.91% |
| Return on Invested Capital | 2.48% |
| Return on Assets | 0.49% |
| Gross Margin | 73.94% |
| Operating Margin | 34.46% |
| Net Margin | 4.79% |
Financial Health
| Debt / Equity | 12.56 |
| Current Ratio | 0.23 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 0.47 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CPSS | Consumer Portfolio Services, Inc. | $206M | 9.59 | 0.65 | 6.9% |
| V | Visa Inc. | $692.5B | 31.40 | 20.10 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.8B | 31.18 | 89.25 | 232.5% |
| MA | Mastercard Incorporated | $497.9B | 31.40 | 89.89 | 193.5% |
| AXP | American Express Company | $219.3B | 19.67 | 6.42 | 34.1% |
| 0HT4.L | Capital One Financial Corporation | $127.2B | 57.22 | 1.10 | 2.2% |
| COF | Capital One Financial Corporation | $124.7B | 12.28 | 1.08 | 9.3% |
| 0R3C.L | American Express Company | $112.9B | 19.67 | 6.42 | 34.1% |
Price Performance
| 1 month | +3.60% |
| 3 months | -2.57% |
| Year-to-date | +1.71% |
| 1 year | +17.74% |
| 3 years | +8.96% |
52-Week Range
| 52-week High | $10.49 |
| 52-week Low | $7.30 |
| Avg Volume (90d) | 24K |
Related companies: ATLO · CURR · EFSI · LPRO · MFIN · MNSB · NKSH
Explore sector: Financial Services · Financial - Credit Services
More sections of CPSS: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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