CONSUMER PORTFOLIO SERVICES (CPSS) Fundamental Analysis & Valuation

NASDAQ:CPSS • US2105021008

7.57 USD
+0.01 (+0.13%)
At close: Mar 12, 2026
7.57 USD
0 (0%)
After Hours: 3/12/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CPSS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

CPSS gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. CPSS has a bad profitability rating. Also its financial health evaluation is rather negative. CPSS is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. CPSS Profitability Analysis

1.1 Basic Checks

  • CPSS had positive earnings in the past year.
  • In the past year CPSS had a positive cash flow from operations.
  • Of the past 5 years CPSS 4 years were profitable.
  • CPSS had a positive operating cash flow in 4 of the past 5 years.
CPSS Yearly Net Income VS EBIT VS OCF VS FCFCPSS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

  • CPSS has a worse Return On Assets (0.51%) than 75.93% of its industry peers.
  • CPSS has a worse Return On Equity (6.34%) than 75.93% of its industry peers.
  • The Return On Invested Capital of CPSS (0.32%) is worse than 62.96% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CPSS is significantly below the industry average of 12.42%.
Industry RankSector Rank
ROA 0.51%
ROE 6.34%
ROIC 0.32%
ROA(3y)1.75%
ROA(5y)1.69%
ROE(3y)20.24%
ROE(5y)20.98%
ROIC(3y)1.36%
ROIC(5y)1.73%
CPSS Yearly ROA, ROE, ROICCPSS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • With a Profit Margin value of 4.65%, CPSS is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of CPSS has grown nicely.
  • CPSS has a worse Operating Margin (3.97%) than 64.81% of its industry peers.
  • In the last couple of years the Operating Margin of CPSS has declined.
  • CPSS has a Gross Margin of 46.23%. This is comparable to the rest of the industry: CPSS outperforms 42.59% of its industry peers.
  • In the last couple of years the Gross Margin of CPSS has declined.
Industry RankSector Rank
OM 3.97%
PM (TTM) 4.65%
GM 46.23%
OM growth 3Y-59.4%
OM growth 5Y-8.29%
PM growth 3Y-33.4%
PM growth 5Y26.98%
GM growth 3Y-12.4%
GM growth 5Y-6.49%
CPSS Yearly Profit, Operating, Gross MarginsCPSS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CPSS Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CPSS is destroying value.
  • There is no outstanding debt for CPSS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CPSS Yearly Shares OutstandingCPSS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
CPSS Yearly Total Debt VS Total AssetsCPSS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • CPSS has an Altman-Z score of 0.24. This is a bad value and indicates that CPSS is not financially healthy and even has some risk of bankruptcy.
  • CPSS has a Altman-Z score of 0.24. This is comparable to the rest of the industry: CPSS outperforms 42.59% of its industry peers.
  • CPSS has a debt to FCF ratio of 12.25. This is a negative value and a sign of low solvency as CPSS would need 12.25 years to pay back of all of its debts.
  • CPSS has a Debt to FCF ratio (12.25) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 11.17 is on the high side and indicates that CPSS has dependencies on debt financing.
  • With a Debt to Equity ratio value of 11.17, CPSS is not doing good in the industry: 87.04% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 11.17
Debt/FCF 12.25
Altman-Z 0.24
ROIC/WACC0.06
WACC5.13%
CPSS Yearly LT Debt VS Equity VS FCFCPSS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

  • CPSS has a Current Ratio of 0.16. This is a bad value and indicates that CPSS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 0.16, CPSS is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.16 indicates that CPSS may have some problems paying its short term obligations.
  • CPSS's Quick ratio of 0.16 is on the low side compared to the rest of the industry. CPSS is outperformed by 72.22% of its industry peers.
Industry RankSector Rank
Current Ratio 0.16
Quick Ratio 0.16
CPSS Yearly Current Assets VS Current LiabilitesCPSS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. CPSS Growth Analysis

3.1 Past

  • CPSS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.54% yearly.
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5Y-2.54%
EPS Q2Q%0%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.9%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y84.87%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.58%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CPSS Yearly Revenue VS EstimatesCPSS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
CPSS Yearly EPS VS EstimatesCPSS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2024 2025 2026 0.5 1 1.5

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Find the best growth stocksShow best growing peers

7

4. CPSS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.46, which indicates a very decent valuation of CPSS.
  • CPSS's Price/Earnings ratio is in line with the industry average.
  • CPSS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
  • CPSS is valuated cheaply with a Price/Forward Earnings ratio of 5.12.
  • Based on the Price/Forward Earnings ratio, CPSS is valued cheaper than 83.33% of the companies in the same industry.
  • CPSS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.46
Fwd PE 5.12
CPSS Price Earnings VS Forward Price EarningsCPSS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPSS indicates a slightly more expensive valuation: CPSS is more expensive than 66.67% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, CPSS is valued cheaply inside the industry as 98.15% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.6
EV/EBITDA 204.72
CPSS Per share dataCPSS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • CPSS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CPSS Dividend Analysis

5.1 Amount

  • No dividends for CPSS!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CPSS Fundamentals: All Metrics, Ratios and Statistics

CONSUMER PORTFOLIO SERVICES

NASDAQ:CPSS (3/12/2026, 8:00:01 PM)

After market: 7.57 0 (0%)

7.57

+0.01 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-10
Earnings (Next)05-11
Inst Owners23.04%
Inst Owner Change-0.83%
Ins Owners28.28%
Ins Owner Change-2.61%
Market Cap167.07M
Revenue(TTM)N/A
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (88.64%)
Short Float %3.31%
Short Ratio18.88
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-23.08%
Min EPS beat(2)-24.59%
Max EPS beat(2)-21.57%
EPS beat(4)0
Avg EPS beat(4)-26.95%
Min EPS beat(4)-37.91%
Max EPS beat(4)-21.57%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.25%
Min Revenue beat(2)-4.66%
Max Revenue beat(2)-1.84%
Revenue beat(4)1
Avg Revenue beat(4)-2.6%
Min Revenue beat(4)-4.74%
Max Revenue beat(4)0.85%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.46
Fwd PE 5.12
P/S 0.4
P/FCF 0.6
P/OCF 0.59
P/B 0.54
P/tB 0.54
EV/EBITDA 204.72
EPS(TTM)0.8
EY10.57%
EPS(NY)1.48
Fwd EY19.54%
FCF(TTM)12.71
FCFY167.91%
OCF(TTM)12.74
OCFY168.34%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)0.11
PEG (5Y)N/A
Graham Number15.84
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 6.34%
ROCE 0.44%
ROIC 0.32%
ROICexc 0.32%
ROICexgc 0.32%
OM 3.97%
PM (TTM) 4.65%
GM 46.23%
FCFM 66.98%
ROA(3y)1.75%
ROA(5y)1.69%
ROE(3y)20.24%
ROE(5y)20.98%
ROIC(3y)1.36%
ROIC(5y)1.73%
ROICexc(3y)1.37%
ROICexc(5y)1.74%
ROICexgc(3y)1.38%
ROICexgc(5y)1.76%
ROCE(3y)1.89%
ROCE(5y)2.4%
ROICexgc growth 3Y-61.84%
ROICexgc growth 5Y-12.69%
ROICexc growth 3Y-61.73%
ROICexc growth 5Y-12.61%
OM growth 3Y-59.4%
OM growth 5Y-8.29%
PM growth 3Y-33.4%
PM growth 5Y26.98%
GM growth 3Y-12.4%
GM growth 5Y-6.49%
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 11.17
Debt/FCF 12.25
Debt/EBITDA 195.75
Cap/Depr 78.03%
Cap/Sales 0.17%
Interest Coverage 0.08
Cash Conversion 1602.47%
Profit Quality 1439.08%
Current Ratio 0.16
Quick Ratio 0.16
Altman-Z 0.24
F-Score5
WACC5.13%
ROIC/WACC0.06
Cap/Depr(3y)82.49%
Cap/Depr(5y)73.03%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.34%
Profit Quality(3y)662.42%
Profit Quality(5y)700.15%
High Growth Momentum
Growth
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5Y-2.54%
EPS Q2Q%0%
EPS Next Y84.87%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.9%
Revenue Next Year10.58%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y110.02%
EBIT growth 3Y-54.92%
EBIT growth 5Y-6.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y20.66%
FCF growth 3Y5.95%
FCF growth 5Y1.55%
OCF growth 1Y20.66%
OCF growth 3Y5.65%
OCF growth 5Y1.52%

CONSUMER PORTFOLIO SERVICES / CPSS FAQ

What is the fundamental rating for CPSS stock?

ChartMill assigns a fundamental rating of 2 / 10 to CPSS.


What is the valuation status for CPSS stock?

ChartMill assigns a valuation rating of 7 / 10 to CONSUMER PORTFOLIO SERVICES (CPSS). This can be considered as Undervalued.


How profitable is CONSUMER PORTFOLIO SERVICES (CPSS) stock?

CONSUMER PORTFOLIO SERVICES (CPSS) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CONSUMER PORTFOLIO SERVICES (CPSS) stock?

The Price/Earnings (PE) ratio for CONSUMER PORTFOLIO SERVICES (CPSS) is 9.46 and the Price/Book (PB) ratio is 0.54.


What is the expected EPS growth for CONSUMER PORTFOLIO SERVICES (CPSS) stock?

The Earnings per Share (EPS) of CONSUMER PORTFOLIO SERVICES (CPSS) is expected to grow by 84.87% in the next year.