Wall Street analyst estimates for Consumer Portfolio Services, Inc. (CPSS): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
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.
Analyst Consensus
| Strong Buy | 0 |
| Buy | 3 |
| Hold | 1 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 4 |
| Avg rating (1-5) | 0.75 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-09 | |||
| 2026-08-04 | $0.27 | ||
| 2026-05-05 | $0.24 | ||
| 2026-03-10 | $0.21 | $0.23 | -8.7% |
| 2025-11-10 | $0.20 | $0.25 | -20.0% |
| 2025-08-11 | $0.20 | $0.26 | -23.1% |
| 2025-05-12 | $0.19 | $0.30 | -36.7% |
| 2025-02-25 | $0.21 | $0.27 | -22.2% |
Valuation Ratios
| P/E Ratio | 9.59 |
| Price / Book | 0.65 |
| EV / EBITDA | 26.87 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $422.3M | $434.4M | $389.8M | $345.8M | $271.2M | $267.8M | $329.7M | $352.0M | $393.5M | $428.0M |
| Cost of Revenue | $258.5M | $279.1M | $234.5M | $196.3M | $115.5M | $60.6M | $59.4M | $124.3M | $185.9M | $1.8M |
| Gross Profit | $163.8M | $155.3M | $155.2M | $149.5M | $155.7M | $207.2M | $270.3M | $227.7M | $207.6M | $426.2M |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $108.2M | $115.2M | $127.9M | $131.8M | $126.4M | $132.0M | $144.9M | $159.4M | $173.7M | $52.9M |
| Operating Expenses | $114.2M | $123.3M | $136.5M | $140.3M | $135.6M | $141.4M | $154.1M | $166.6M | $180.1M | $166.2M |
| Operating Income | $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 |
| Interest Expense | $79.9M | $92.3M | $101.5M | $110.5M | $101.3M | $75.2M | $87.5M | $146.6M | $191.3M | $232.0M |
| Pre-tax Income | $49.7M | $32.1M | $18.7M | $9.2M | $20.1M | $65.7M | $116.2M | $61.1M | $27.4M | $28.0M |
| Income Tax | $20.4M | $28.3M | $3.8M | $3.8M | -$1.6M | $18.2M | $30.2M | $15.8M | $8.2M | $8.7M |
| Net Income | $29.3M | $3.8M | $14.9M | $5.4M | $21.7M | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M |
| EPS | $1.20 | $0.17 | $0.68 | $0.24 | $0.96 | $2.11 | $4.10 | $2.17 | $0.90 | $0.88 |
| EPS (Diluted) | $1.01 | $0.14 | $0.59 | $0.22 | $0.90 | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 |
| Shares Outstanding (Diluted) | $29.0M | $27.2M | $25.0M | $24.1M | $24.0M | $25.8M | $26.6M | $25.2M | $24.3M | $24.1M |
Price
| Price | $9.49 |
| Market Cap | $206M |
| Exchange | NASDAQ |
| Country | US |
Related companies: ATLO · CURR · EFSI · LPRO · MFIN · MNSB · NKSH
Explore sector: Financial Services · Financial - Credit Services
More sections of CPSS: Overview · Financials · Valuation · Statistics · Technical · Ownership · News · Events
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