A Business at a Glance
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CONSUMER PORTFOLIO SERVICES, INC.
CPSS
$228M
Mkt Cap
$9.45
+0.21%
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a current P/E ratio of 11.8, compared to its historical median P/E of 5.5. The stock is currently considered Fair based on its historical valuation range.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a 5-year average return on invested capital (ROIC) of 20.5%. This indicates strong capital allocation and a potential competitive advantage.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a market capitalization of $228M. It is classified as a small-cap stock.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 3.80%.
Based on historical P/E analysis, CONSUMER PORTFOLIO SERVICES, INC. (CPSS) appears fair. The current P/E of 11.8 is 115% above its historical median of 5.5. The estimated fair value CAGR (P/E method) is 17.1%.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) operates in the Finance Services industry, within the Financials sector.
We are a specialty finance company. Our business is to purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through our automobile contract purchases, we provide indirect financing to the customers of dealers who have limited credit histories or past credit problems, who we refer to as sub-prime customers. We serve as an alternative source of financing for dealers, facilitating sales to customers who otherwise might not be able to obtain financing from traditional sources, such as commercial banks, credit unions and the captive finance companies affiliated with major automobile manufacturers.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 434M | 434M | 394M | 352M | 330M | 268M |
| Net Income | 19M | 19M | 19M | 45M | 86M | 48M |
| EPS | $0.80 | $0.80 | $0.79 | $1.80 | $3.23 | $1.84 |
| Free Cash Flow | 288M | 288M | 233M | 237M | 214M | 196M |
| ROIC | 6.2% | 6.3% | 6.6% | 17.9% | 41.9% | 29.9% |
| Gross Margin | - | - | - | - | - | 24.5% |
| Debt/Equity | 1.07 | 1.07 | 1.46 | 0.85 | 1.28 | 10.23 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 5.3M | 5.3M | 8.5M | 11M | 9.2M | 6.0M |
| Operating Margin | 1.2% | 1.2% | 2.2% | 3.1% | 2.8% | 2.2% |
| ROE | 6.2% | 6.4% | 6.8% | 18.0% | 43.1% | 31.3% |
| Shares Outstanding | 24M | 24M | 24M | 25M | 27M | 26M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 300M | 364M | 422M | 434M | 390M | 346M | 271M | 268M | 330M | 352M | 394M | 434M | 434M |
| Gross Margin | 17.4% | 16.9% | 11.8% | 7.4% | 4.8% | 2.6% | 7.4% | 24.5% | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 19M | 20M | 25M | 27M | 31M | 33M | 32M | 35M | 38M | 50M | 55M | 53M | 53M |
| EBIT | 14M | 14M | 13M | 10M | 9.5M | 8.7M | 5.7M | 6.0M | 9.2M | 11M | 8.5M | 5.3M | 5.3M |
| Op. Margin | 4.5% | 3.8% | 3.1% | 2.4% | 2.4% | 2.5% | 2.1% | 2.2% | 2.8% | 3.1% | 2.2% | 1.2% | 1.2% |
| Net Income | 30M | 35M | 29M | 3.8M | 15M | 5.4M | 22M | 48M | 86M | 45M | 19M | 19M | 19M |
| Net Margin | 9.8% | 9.5% | 6.9% | 0.9% | 3.8% | 1.6% | 8.0% | 17.7% | 26.1% | 12.9% | 4.9% | 4.4% | 4.4% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 18.1% | 20.4% | 11.9% | 1.5% | 7.7% | 3.4% | 16.9% | 29.9% | 41.9% | 17.9% | 6.6% | 6.3% | 6.2% |
| ROE | 26.6% | 24.0% | 16.9% | 2.0% | 7.8% | 3.5% | 17.8% | 31.3% | 43.1% | 18.0% | 6.8% | 6.4% | 6.2% |
| ROA | 1.8% | 1.8% | 1.3% | 0.2% | 0.6% | 0.2% | 0.9% | 2.2% | 3.5% | 1.6% | 0.6% | 0.5% | 0.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 136M | 188M | 196M | 216M | 216M | 217M | 239M | 198M | 216M | 238M | 234M | 289M | 289M |
| Free Cash Flow | 135M | 186M | 195M | 215M | 215M | 216M | 239M | 196M | 214M | 237M | 233M | 288M | 288M |
| Owner Earnings | 132M | 182M | 190M | 209M | 212M | 214M | 235M | 195M | 210M | 234M | 230M | 285M | 285M |
| CapEx | 823K | 1.2M | 1.1M | 669K | 1.1M | 751K | 24K | 2.0M | 2.1M | 559K | 433K | 709K | 709K |
| Maint. CapEx | 428K | 637K | 777K | 934K | 992K | 1.1M | 1.8M | 1.7M | 1.6M | 847K | 862K | 881K | 881K |
| Growth CapEx | 395K | 554K | 302K | 0 | 85K | 0 | 0 | 301K | 531K | 0 | 0 | 0 | 0 |
| D&A | 428K | 637K | 777K | 934K | 992K | 1.1M | 1.8M | 1.7M | 1.6M | 847K | 862K | 881K | 881K |
| CapEx/OCF | 0.6% | 0.6% | 0.5% | 0.3% | 0.5% | 0.3% | 0.0% | 1.0% | 1.0% | 0.2% | 0.2% | N/A | 0.2% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 5.9M | 10M | 12M | 5.3M | 1.4M | 1.2M | 26M | 46M | 20M | 13M | 8.7M | 8.7M |
| Buyback Yield | N/A | 3.6% | 7.2% | 10.4% | 6.6% | 1.7% | 1.2% | 9.8% | 19.7% | 8.0% | 5.0% | 0.0% | 3.8% |
| Stock-Based Comp | 3.8M | 5.0M | 5.6M | 5.7M | 3.5M | 2.1M | 1.9M | 2.0M | 4.4M | 3.5M | 3.0M | 2.7M | 2.7M |
| Debt Repayment | 4.5M | 1.6M | 3.1M | 2.5M | 2.5M | 5.5M | 3.0M | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | 1.6B | 201M | 106M | 2.1B | 2.0B | 2.1B | 1.8B | 1.7B | 278M | 228M | 415M | 326M | 326M |
| Cash & Equiv. | 18M | 19M | 14M | 13M | 13M | 5.3M | 13M | 30M | 13M | 6.2M | 12M | 6.3M | 6.3M |
| Long-Term Debt | 28M | 24M | 120M | 4.1M | 3.2M | 5.8M | 6.8M | 8.0M | 4.0M | 0 | 11M | 4.7M | 4.7M |
| Debt/Equity | 12.56 | 1.37 | 0.64 | 11.36 | 10.41 | 19.21 | 13.97 | 10.23 | 1.28 | 0.85 | 1.46 | 1.07 | 1.07 |
| Interest Coverage | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| Equity | 127M | 161M | 186M | 184M | 197M | 110M | 133M | 170M | 228M | 275M | 293M | 310M | 310M |
| Total Assets | 1.8B | 2.1B | 2.4B | 2.4B | 2.5B | 2.5B | 2.1B | 2.2B | 2.8B | 2.9B | 3.5B | 3.9B | 3.9B |
| Total Liabilities | 1.7B | 2.0B | 2.2B | 2.2B | 2.3B | 2.3B | 2.0B | 2.0B | 2.5B | 2.6B | 3.2B | 3.5B | 3.5B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 52M | 86M | 116M | 120M | 134M | 140M | 69M | 117M | 203M | 248M | 267M | 286M | 286M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.92 | 1.10 | 1.01 | 0.14 | 0.59 | 0.22 | 0.90 | 1.84 | 3.23 | 1.80 | 0.79 | 0.80 | 0.80 |
| Owner EPS | 4.10 | 5.77 | 6.55 | 7.77 | 8.40 | 8.69 | 9.76 | 7.53 | 7.88 | 9.28 | 9.46 | 11.82 | 11.82 |
| Book Value | 3.97 | 5.11 | 6.42 | 6.84 | 7.83 | 4.48 | 5.54 | 6.59 | 8.58 | 10.90 | 12.04 | 12.81 | 12.81 |
| Cash Flow/Share | 4.23 | 5.95 | 6.77 | 8.02 | 8.58 | 8.82 | 9.91 | 7.67 | 8.11 | 9.45 | 9.62 | 11.96 | 0.84 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 32.1M | 31.5M | 29.0M | 26.9M | 25.2M | 24.6M | 24.1M | 25.8M | 26.6M | 25.2M | 24.3M | 24.2M | 24.2M |
| Valuation | |||||||||||||
| P/E Ratio | 8.3 | 4.8 | 5.0 | 31.6 | 5.4 | 15.3 | 4.7 | 5.5 | 2.7 | 5.6 | 13.3 | N/A | 11.8 |
| P/FCF | 1.8 | 0.9 | 0.7 | 0.6 | 0.4 | 0.4 | 0.4 | 1.3 | 1.1 | 1.1 | 1.1 | N/A | 0.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 105.0 |
| Price/Book | 1.9 | 1.0 | 0.8 | 0.6 | 0.4 | 0.4 | 0.8 | 1.5 | 1.0 | 0.9 | 0.9 | N/A | 0.7 |
| Price/Sales | 0.8 | 0.5 | 0.3 | 0.3 | 0.2 | 0.3 | 0.3 | 0.5 | 0.8 | 0.7 | 0.6 | N/A | 0.5 |
| FCF Yield | 55.4% | 112.0% | 134.3% | 180.4% | 268.6% | 260.9% | 234.3% | 75.1% | 91.5% | 94.2% | 91.2% | N/A | 126.3% |
| Market Cap | 244M | 166M | 145M | 119M | 80M | 83M | 102M | 261M | 234M | 252M | 256M | 0 | 228M |
| Avg. Price | 7.47 | 6.02 | 4.27 | 4.54 | 3.78 | 3.61 | 3.23 | 5.36 | 10.53 | 10.16 | 9.15 | 0.00 | 9.45 |
| Year-End Price | 7.60 | 5.28 | 5.01 | 4.43 | 3.18 | 3.37 | 4.23 | 10.12 | 8.78 | 10.01 | 10.53 | 0.00 | 9.45 |
CONSUMER PORTFOLIO SERVICES, INC. passes 4 of 9 quality checks, suggesting mixed fundamentals.
CONSUMER PORTFOLIO SERVICES, INC. trades at 11.8x trailing earnings, compared to its 15-year median P/E of 5.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 0.7x vs a median of 0.7x. The company's 5-year average ROIC is 20.5% with a gross margin of 24.5%. Total shareholder yield (buybacks) is 3.8%. At current prices, the estimated annualized return to fair value is +4.1%.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) reported annual revenue of $434 million in its most recent fiscal year, based on SEC EDGAR filings.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a net profit margin of 4.4%. This is a modest margin.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) generated $288 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a debt-to-equity ratio of 1.07. This indicates moderate leverage.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) reported earnings per share (EPS) of $0.80 in its most recent fiscal year.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a return on equity (ROE) of 6.4%. This indicates moderate shareholder returns.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a 5-year average gross margin of 24.5%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for CONSUMER PORTFOLIO SERVICES, INC. (CPSS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a book value per share of $12.81, based on its most recent annual SEC filing.
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