Consumer Portfolio Services, Inc. (CPSS)

NGM – Real Time Price. Currency in USD

9.32

+0.13 (1.36%)

Market open: Aug 12, 2026, 12:10 PM EDT

9.20

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:10 PM EDT

Stock details

Previous close: 9.2$
Day's range: 9.18 - 9.36$
52-week range: 6.67 - 10.49$
Volume: 9 259
Average volume: 19 420
Beta: 0.69
EPS (TTM): 0.99
PE ratio (TTM): 10.09
Forward P/E: 3.76
Market cap: 198 303 367
Shares outstanding: 21 554 714
Dividend yield: N/A
Next earnings date: 2026-11-05
Sector: Financials
Industry: Credit Services

About the company

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. The company, through its automobile contract purchases, offers indirect financing to the customers of dealer... read more

CEO: Charles Bradley
Country: United States
IPO Date: 1992-10-22
Employees: 956
Fiscal Year End: January - December
Website: https://www.consumerportfol...

Revenue Breakdown

Indirect Vehicle Financing / 100.00%

News

No Data

There are no news for this stock.

Chart: CPSS

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Overall Score

4 / 1040%

Octagon View

Strength & Weakness

Total debt $4.0B significantly exceeds cash reserves ($180.2M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $94.7M, indicating tight liquidity

Debt-to-equity ratio (12.6) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	46.38	10.91	10
Quick ratio	N/A	10.10	1.0
Debt to Equity	12.56	3.44	2.0
Debt to Assets	0.91	1.99	2.0
Interest coverage	N/A	71.90	10
Weighted average score			5.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	314M	340M	373M	428M	452M
Gross Profit	313M	339M	372M	427M	451M
Operating Income	204M	208M	219M	260M	274M
Net Income	86M	45M	19M	19M	22M
EBITDA	190M	197M	199M	254M	201M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	100.00	64.01	10
Operating margin %	60.37	0.03	10
Net margin %	5.14	-121.55	4.0
EBITDA margin %	N/A	-20.51	1.0
Cash flow margin %	N/A	-144.24	1.0
Weighted average score			5.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.53	-153.95	2.0
ROE	6.63	41.47	5.0
ROIC	0.54	-22.19	2.0
ROCE	1.73	-1.81	4.0
Weighted average score			3.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	22.14	206.25	10
Next year	N/A	N/A	1.0
Weighted average score			3.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	8.06	12.55	12.5	9.64	6.8
Y/Y	13.7	29.96	35	13.06	9.0
3y average	10.86	-34.74	N/A	10.97	4.0
5y average	7.73	19.18	105.26	4.81	7.3
Weighted average score					6.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.23	-29.69	8.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	1.06	102.37	7.6
P/B	0.63	-0.46	9.0
Weighted average score			6.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR15.86%

FCF 5 year CAGR4

Fair value497.64$

Stock price9.33$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$497.64

UndervaluedStock priceOvervalued

$9.33

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Charles Bradley

Country

United States

IPO Date

1992-10-22

Employees

956

Fiscal Year End

January - December

Website

https://www.consumerportfol...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

46.38

10.91

Quick ratio

N/A

10.10

1.0

Debt to Equity

12.56

3.44

2.0

Debt to Assets

0.91

1.99

2.0

Interest coverage

N/A

71.90

Weighted average score

5.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

314M

340M

373M

428M

452M

Gross Profit

313M

339M

372M

427M

451M

Operating Income

204M

208M

219M

260M

274M

Net Income

86M

45M

19M

22M

EBITDA

190M

197M

199M

254M

201M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

100.00

64.01

Operating margin %

60.37

0.03

Net margin %

5.14

-121.55

4.0

EBITDA margin %

N/A

-20.51

1.0

Cash flow margin %

N/A

-144.24

1.0

Weighted average score

5.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.53

-153.95

2.0

ROE

6.63

41.47

5.0

ROIC

0.54

-22.19

2.0

ROCE

1.73

-1.81

4.0

Weighted average score

3.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

22.14

206.25

Next year

N/A

1.0

Weighted average score

3.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

8.06

12.55

12.5

9.64

6.8

Y/Y

13.7

29.96

13.06

9.0

3y average

10.86

-34.74

N/A

10.97

4.0

5y average

7.73

19.18

105.26

4.81

7.3

Weighted average score

6.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.23

-29.69

8.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

1.06

102.37

7.6

P/B

0.63

-0.46

9.0

Weighted average score

6.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Consumer Portfolio Services, Inc. (CPSS)

Stock details

About the company

Revenue Breakdown

News

Chart: CPSS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$497.64

$9.33

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CPSS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$497.64

$9.33

Economic Moat