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Consumer Portfolio Services, Inc. CPSS

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Price alert · CPSS

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10.01 USD -0.12 -1.18%

At close · Nov 2

10.01 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
10.01 × 2
Ask
10.04 × 2
9.79 Day range 10.24
7.46 52-week range 10.49
YTD
+7.29%
1 year
+19.17%
Open
10.24
Prev close
10.13
Mkt cap
218.72M
Vol
18.35K
Avg vol
25.19K
EPS
1.01
P/E
9.91
Div yield
0.00%
More statistics
Low
9.79
High
10.24
Forward P/E
3.95
Beta
2.01
Short ratio
16.83
Inst. own
49.87%
Dividend
0.00
Ex-div date
50-d avg
10.35
200-d avg
9.22
1y target
18.00

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 10.6×
FY 2016: 4.3×FY 2017: 24.4×FY 2018: 4.4×FY 2019: 14.0×FY 2020: 4.4×FY 2021: 5.6×FY 2022: 2.2×FY 2023: 4.3×FY 2024: 12.1×FY 2025: 10.6×
FY 2016 5y median 5.6× FY 2025
P/S 0.5×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
P/B 0.7×
FY 2016: 0.7×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.7×FY 2021: 1.6×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF 0.7×
FY 2016: 0.6×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 1.4×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025
EV/EBITDA 14.2×
FY 2016: 45.8×FY 2017: 69.5×FY 2018: 117×FY 2019: 230×FY 2020: 88.3×FY 2021: 30.3×FY 2022: 21.2×FY 2023: 42.6×FY 2024: 115×FY 2025: 14.2×
FY 2016 5y median 30.3× FY 2025
EV/Sales 8.7×
FY 2016: 5.5×FY 2017: 5.3×FY 2018: 5.9×FY 2019: 6.8×FY 2020: 7.1×FY 2021: 7.6×FY 2022: 7.6×FY 2023: 7.5×FY 2024: 8.3×FY 2025: 8.7×
FY 2016 5y median 7.6× FY 2025
FCF Yield 141.2%
FY 2016: 156.6%FY 2017: 228.3%FY 2018: 325.0%FY 2019: 286.0%FY 2020: 249.0%FY 2021: 73.4%FY 2022: 115.3%FY 2023: 121.3%FY 2024: 100.9%FY 2025: 141.2%
FY 2016 5y median 115.3% FY 2025

Profitability

Gross Margin 99.6%
FY 2016: 38.8%FY 2017: 35.8%FY 2018: 39.8%FY 2019: 43.2%FY 2020: 57.4%FY 2021: 77.4%FY 2022: 82.0%FY 2023: 64.7%FY 2024: 52.7%FY 2025: 99.6%
FY 2016 5y median 77.4% FY 2025
Operating Margin 60.8%
FY 2016: 11.8%FY 2017: 7.4%FY 2018: 4.8%FY 2019: 2.6%FY 2020: 7.4%FY 2021: 24.5%FY 2022: 35.2%FY 2023: 17.4%FY 2024: 7.0%FY 2025: 60.8%
FY 2016 5y median 24.5% FY 2025
Net Margin 4.5%
FY 2016: 6.9%FY 2017: 0.9%FY 2018: 3.8%FY 2019: 1.6%FY 2020: 8.0%FY 2021: 17.7%FY 2022: 26.1%FY 2023: 12.9%FY 2024: 4.9%FY 2025: 4.5%
FY 2016 5y median 12.9% FY 2025
ROE 6.2%
FY 2016: 15.7%FY 2017: 2.0%FY 2018: 7.5%FY 2019: 2.7%FY 2020: 16.3%FY 2021: 27.9%FY 2022: 37.6%FY 2023: 16.5%FY 2024: 6.6%FY 2025: 6.2%
FY 2016 5y median 16.5% FY 2025
ROIC 2831.3%
FY 2016: 1.2%FY 2017: 0.2%FY 2018: 0.6%FY 2019: 0.2%FY 2020: 50.7%FY 2021: 113.5%FY 2022: -183.5%FY 2023: 629.7%FY 2024: 139.1%FY 2025: 2831.3%
FY 2016 5y median 139.1% FY 2025
ROA 0.5%
FY 2016: 1.2%FY 2017: 0.2%FY 2018: 0.6%FY 2019: 0.2%FY 2020: 1.0%FY 2021: 2.2%FY 2022: 3.1%FY 2023: 1.6%FY 2024: 0.5%FY 2025: 0.5%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 8.8%
FY 2016: 16.1%FY 2017: 2.9%FY 2018: -10.3%FY 2019: -11.3%FY 2020: -21.6%FY 2021: -1.2%FY 2022: 23.1%FY 2023: 6.8%FY 2024: 11.8%FY 2025: 8.8%
FY 2016 FY 2025
Operating Income 847.9%
FY 2016: -19.1%FY 2017: -35.4%FY 2018: -41.7%FY 2019: -51.0%FY 2020: 119.6%FY 2021: 226.8%FY 2022: 76.7%FY 2023: -47.4%FY 2024: -55.1%FY 2025: 847.9%
FY 2016 FY 2025
EPS (diluted) 1.3%
FY 2016: -8.2%FY 2017: -86.1%FY 2018: 321.4%FY 2019: -62.7%FY 2020: 309.1%FY 2021: 104.4%FY 2022: 75.5%FY 2023: -44.3%FY 2024: -56.1%FY 2025: 1.3%
FY 2016 FY 2025
Free Cash Flow 23.6%
FY 2016: 4.8%FY 2017: 10.1%FY 2018: 0.1%FY 2019: 0.4%FY 2020: 10.5%FY 2021: -17.8%FY 2022: 9.0%FY 2023: 11.1%FY 2024: -1.7%FY 2025: 23.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.4×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.4×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.4×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 11.3×
FY 2016: 11.8×FY 2017: 12.0×FY 2018: 11.4×FY 2019: 11.3×FY 2020: 14.9×FY 2021: 11.5×FY 2022: 10.8×FY 2023: 9.4×FY 2024: 10.8×FY 2025: 11.3×
FY 2016 5y median 10.8× FY 2025
Net Debt / EBITDA 13.5×
FY 2016: 43.3×FY 2017: 66.6×FY 2018: 114×FY 2019: 223×FY 2020: 83.9×FY 2021: 26.4×FY 2022: 19.6×FY 2023: 39.5×FY 2024: 107×FY 2025: 13.5×
FY 2016 5y median 26.4× FY 2025
Interest Coverage 1.1×
FY 2016: 0.6×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.9×FY 2022: 1.3×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 1.1×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31