Consumer Portfolio Services Inc.

CPSS | NASDAQ

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$9.63

+$0.01 (+0.10%)

Sep 22, 2026, 9:43 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $208.74M

Enterprise Value $4.21B

Beta 1.11

Average Volume 24.97K

Shares Outstanding (Diluted) 23.51M

Shares Change YoY -2.78%

Institutional Ownership 45.72%

Exchange NASDAQ

ISIN US2105021008

Price Performance

Price Change 1M 2.8%

Price Change 3M 0.2%

Price Change 6M 26.3%

Price Change YTD 4.9%

Price Change 1Y 20.4%

Price Change 3Y 4.8%

Price Change 5Y 66.7%

1M CAGR (ann.) 1.5%

1Y CAGR (ann.) 16.8%

5Y CAGR (ann.) 11.6%

All-Time CAGR -2.0%

Valuation

PE Ratio 10.57

Forward PE 3.80

PEG Ratio 0.97

Forward PEG 0.09

PS Ratio 0.96

Forward PS N/A

PB Ratio 0.65

P/FCF Ratio 0.70

P/Adj. FCF Ratio 0.71

P/OCF Ratio 0.60

EV/Sales 19.32

EV/EBIT 51.12

EV/EBITDA 132.81

EV/FCF 14.13

Earnings Yield 9.5%

FCF Yield 142.7%

Adj. FCF Yield 141.5%

Financial Health

Net Debt $4B

Total Debt $4.01B

Cash & Short-Term Investments $7.5M

Total Assets $4.42B

Current Ratio 0.23

Quick Ratio 0.23

Debt / Equity Ratio 12.56

Debt / EBITDA 126.46

Debt / FCF 13.46

OCF / Debt 0.07

Interest Coverage 0.64

Altman Z-Score 0.07

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 73.9%

Operating Profit Margin 6.5%

EBITDA Margin 34.6%

Net Profit Margin 4.8%

FCF Margin 136.8%

Adj. FCF Margin 135.6%

SBC / Revenue 0.5%

SBC Impact (per share) -0.8%

Returns

Return on Assets 0.5%

Return on Equity 6.9%

Return on Invested Capital 2.5%

Return on Capital Employed 4.3%

Return on Tangible Assets 0.5%

Historical Growth (CAGR)

Revenue CAGR 3Y -13.9%

Revenue CAGR 5Y -3.7%

Revenue CAGR 10Y -5.8%

EPS CAGR 3Y -29.8%

EPS CAGR 5Y -0.4%

EPS CAGR 10Y -1.5%

FCF CAGR 3Y 12.2%

FCF CAGR 5Y 4.4%

FCF CAGR 10Y 4.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 8, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $17.35

Graham Upside 80.3%

Lynch Fair Value $4.55

Lynch Upside -52.7%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $298.91M

Free Cash Flow $297.88M

Adj. Free Cash Flow $295.42M

FCF Per Share $16.15

OCF Per Share $16.15

OCF/S Ratio 77.6%

Income Statement

Revenue $217.83M

Gross Profit $100.6M

Operating Income $14.25M

EBITDA $31.7M

Net Income $21.61M

EPS (Diluted) $0.91

Revenue / Employee $219.15K

Profit / Employee $21.74K

Employees 994