Valuation dashboard for Consumer Portfolio Services, Inc. (CPSS) with P/E 9.59, P/B 0.65, EV/EBITDA 26.87 and dividend yield 0.00%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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%.
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. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 9.59 |
| Price / Book | 0.65 |
| EV / EBITDA | 26.87 |
| Dividend Yield | 0.00% |
Valuation Models
| DCF Fair Value | $121.98 |
| vs Current Price | +1185.3% |
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
| Price | $9.49 |
| Market Cap | $206M |
| Exchange | NASDAQ |
| Country | US |
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% |
Related companies: ATLO · CURR · EFSI · LPRO · MFIN · MNSB · NKSH
Explore sector: Financial Services · Financial - Credit Services
More sections of CPSS: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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