Consumer Portfolio Services, Inc. (CPSS)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 271 | 268 | 330 | 352 | 394 | 428 | 452 | 531 |
| Operating profit | $m | 260 | 156 | ||||||
| Net profit | $m | 22 | 48 | 86 | 45 | 19 | 19 | 22 | 59 |
| EPS reported | $ | 0.80 | 0.91 | ||||||
| Operating cashflow per share | $ | 13.20 | 16.15 | ||||||
| Capex per share | $ | 0.03 | 0.01 | ||||||
| FCF per share | $ | 13.17 | 16.15 | ||||||
| Free cash flow | $m | 288 | 350 | ||||||
| Net debt | $m | 3,483 | 4,001 | ||||||
| Book value equity | $m | 310 | 319 | ||||||
| Book value per share | $ | 12.85 | 13.58 | ||||||
| Number of shares | m | 24.08 | 23.51 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.66 | 9.86 | ||||||
| P/B LTM | x | 0.66 | 0.64 | ||||||
| P/S LTM | x | 0.48 | 0.45 | ||||||
| P/FCF LTM | x | 0.71 | 0.58 | ||||||
| EV/EBITDA LTM | x | 14.25 | 23.68 | ||||||
| EV/Sales LTM | x | 8.66 | 9.31 | ||||||
| Earnings Yield LTM | % | +8.58% | +10.14% | ||||||
| FCF Yield | % | +141.16% | +171.59% | ||||||
| Quality | |||||||||
| ROE | % | +6.24% | +6.91% | ||||||
| ROIC | % | +28.31% | +2.48% | ||||||
| Operating margin | % | +60.76% | +34.46% | ||||||
| Gross margin | % | +99.59% | +73.94% | ||||||
| FCF/Sales | % | +67.36% | +77.61% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +1.27% | +15.19% | ||||||
| Sales Growth YoY | % | +8.76% | +14.75% | ||||||
| Net Income Growth YoY | % | +0.64% | +12.52% | ||||||
| FCF Growth | % | +23.56% | +50.19% | ||||||
| Operating Profit Growth | % | +847.93% | +467.34% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.08 | 0.09 | ||||||
| Net Debt/EBITDA | x | 13.46 | 25.57 | ||||||
| EBIT/Net interest | x | 1.12 | 0.64 | ||||||
| Net debt/market cap | % | +17.09% | +19.65% | ||||||
| Net debt/Equity | x | 11.25 | 12.53 | ||||||
| Gross debt/equity | x | 11.33 | 12.56 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Consumer Portfolio Services, Inc. (CPSS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
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