Consumer Portfolio Services (CPSS)

Price$9.43

Value ScoreB

Growth ScoreD

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)6.10%

Price vs S&P 500 (4W)-7.27%

VGM Score55.92

Market Capitalization$204.62M

P/E Ratio (Annual)10.59x

All Metrics

P/CF (Annual)0.71x

Book Value / Share (Quarterly)$14.49

P/TBV (Annual)0.90x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)10.83%

Cash Flow / Share (Quarterly)$13.73

Price vs S&P 500 (YTD)-7.09%

Gross Margin (TTM)45.72%

Net Profit Margin (TTM)4.62%

EPS (TTM)$0.85

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$0.85

Revenue Growth (5Y)7.31%

EPS (Annual)$0.80

ROI (Annual)0.51%

Gross Margin (Annual)45.78%

Net Profit Margin (5Y Avg)13.56%

Cash / Share (Quarterly)$0.32

P/E Basic Excl Extra (TTM)10.14x

Revenue Growth QoQ (YoY)8.67%

EPS Growth (5Y)-2.36%

P/E Normalized (Annual)10.59x

ROA (Last FY)0.50%

Revenue Growth TTM (YoY)12.28%

EBITD / Share (TTM)$1.13

ROE (5Y Avg)18.97%

Operating Margin (TTM)6.00%

Cash Flow / Share (Annual)$13.20

P/B Ratio0.65x

P/B Ratio (Quarterly)0.54x

Net Income / Employee (Annual)$20,800

EV / Revenue (TTM)8.85x

Net Interest Coverage (TTM)15.93x

ROA (TTM)0.52%

EPS Growth QoQ (YoY)21.97%

EV / EBITDA (TTM)142.76x

EPS Incl Extra (Annual)$0.80

Current Ratio (Annual)0.11x

Quick Ratio (Quarterly)0.10x

3-Month Avg Trading Volume0.02M

52-Week Price Return-0.42%

EV / Free Cash Flow (Annual)13.41x

P/E Incl Extra (TTM)10.14x

Revenue / Employee (TTM)$470,800

Tangible BV / Share (Quarterly)$12.59

P/S Ratio (Annual)0.48x

Asset Turnover (Annual)0.11x

52-Week High$10.49

Operating Margin (5Y Avg)15.81%

EPS Excl Extra (Annual)$0.80

CapEx CAGR (5Y)-11.55%

Tangible BV CAGR (5Y)4.42%

26-Week Price Return14.03%

Quick Ratio (Annual)0.11x

13-Week Price Return16.56%

Total Debt / Equity (Annual)11.26x

Current Ratio (Quarterly)0.10x

Enterprise Value$3.87B

Revenue / Share Growth (5Y)7.24%

Asset Turnover (TTM)0.11x

Book Value / Share Growth (5Y)19.25%

Revenue / Employee (Annual)$461,200

Pretax Margin (Annual)6.54%

Cash / Share (Annual)$0.29

3-Month Return Std Dev40.24%

Gross Margin (5Y Avg)59.17%

Net Income / Employee (TTM)$21,700

EBITDA CAGR (5Y)-15.32%

EBITDA Interim CAGR (5Y)-8.40%

ROE (Last FY)6.24%

Net Interest Coverage (Annual)2.06x

EPS Basic Excl Extra (Annual)$0.80

P/FCF (TTM)0.69x

Receivables Turnover (TTM)155.43x

EV / Free Cash Flow (TTM)12.98x

Total Debt / Equity (Quarterly)11.67x

EPS Incl Extra (TTM)$0.85

Receivables Turnover (Annual)155.43x

ROI (TTM)0.53%

P/S Ratio (TTM)0.47x

Pretax Margin (5Y Avg)18.59%

Revenue / Share (Annual)$17.77

Tangible BV / Share (Annual)$11.34

Forward P/E3.85x

Free OCF CAGR (5Y)3.84%

Price vs S&P 500 (52W)-24.79%

P/E Ratio (TTM)10.14x

EPS Growth TTM (YoY)5.36%

Year-to-Date Return1.07%

5-Day Price Return-3.58%

EPS Normalized (Annual)$0.80

ROA (5Y Avg)1.59%

Net Profit Margin (Annual)4.52%

Month-to-Date Return-4.36%

Cash Flow / Share (TTM)$2.14

EBITD / Share (Annual)$0.93

EPS Growth (3Y)-37.15%

Operating Margin (Annual)5.02%

LT Debt / Equity (Annual)11.25x

P/CF (TTM)0.68x

ROI (5Y Avg)1.62%

P/E Excl Extra (TTM)10.14x

LT Debt / Equity (Quarterly)11.67x

EPS Basic Excl Extra (TTM)$0.85

P/TBV (Quarterly)0.77x

P/B Ratio (Annual)0.67x

Pretax Margin (TTM)6.69%

Book Value / Share (Annual)$14.17

Price vs S&P 500 (13W)8.31%

Net Margin Growth (5Y)-8.94%

Beta1.14x

P/FCF (Annual)0.71x

Revenue / Share (TTM)$18.57

ROE (TTM)6.54%

52-Week Low$6.67

vGradeB

gGradeD

mGradeB

vgmGradeC

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4.29

Industry Peers — Finance Services(153)

Symbol	Value Score	Growth Score	Momentum Score	Price
CPSSConsumer Portfolio Services	B	D	B	$9.43
AXPAmerican Express Company	D	B	B	$310.66
NUNu Holdings Ltd.	D	B	C	$11.97
MSTRStrategy Inc Common Stock Class A	D	D	D	$120.44
COINCoinbase Global, Inc. Class A Common Stock	D	C	D	$152.40
SYFSYNCHRONY FINANCIAL	B	C	B	$70.84
SOFISoFi Technologies, Inc. Common Stock	D	B	C	$16.03
CRCLCircle Internet Group, Inc.	D	C	C	$80.28
IRENIREN Limited Ordinary Shares	F	B	B	$54.35
WULFTeraWulf Inc. Common Stock	F	B	A	$24.00
HUTHut 8 Corp. Common Stock	F	A	A	$112.24

About

Consumer Portfolio Services Inc purchases and services automobile contracts originated by U.S. dealers, providing indirect financing to subprime customers with limited credit histories, low incomes, or past credit problems. As an alternative funding source for dealers, the company enables vehicle sales to borrowers who may not qualify for traditional auto financing. CPS generates revenue through both contract purchases and ongoing servicing of its receivables portfolio.