CONSUMER PORTFOLIO SERVICES (CPSS) Fundamental Analysis & Valuation

NASDAQ:CPSS • US2105021008

Current stock price

8.24 USD
-0.11 (-1.32%)
Last:

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

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.
  • Each year in the past 5 years CPSS has been profitable.
  • Each year in the past 5 years CPSS had a positive operating cash flow.
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 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • CPSS has a Return On Assets of 0.50%. This is in the lower half of the industry: CPSS underperforms 75.93% of its industry peers.
  • CPSS has a worse Return On Equity (6.24%) than 74.07% of its industry peers.
  • CPSS has a Return On Invested Capital of 0.39%. This is in the lower half of the industry: CPSS underperforms 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 9.87%.
Industry RankSector Rank
ROA 0.5%
ROE 6.24%
ROIC 0.39%
ROA(3y)0.87%
ROA(5y)1.59%
ROE(3y)9.77%
ROE(5y)18.97%
ROIC(3y)0.58%
ROIC(5y)1.33%
CPSS Yearly ROA, ROE, ROICCPSS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • CPSS has a Profit Margin of 4.52%. This is in the lower half of the industry: CPSS underperforms 75.93% of its industry peers.
  • CPSS's Profit Margin has declined in the last couple of years.
  • CPSS has a worse Operating Margin (5.02%) than 62.96% of its industry peers.
  • In the last couple of years the Operating Margin of CPSS has declined.
  • CPSS's Gross Margin of 45.78% is in line compared to the rest of the industry. CPSS outperforms 44.44% of its industry peers.
  • In the last couple of years the Gross Margin of CPSS has declined.
Industry RankSector Rank
OM 5.02%
PM (TTM) 4.52%
GM 45.78%
OM growth 3Y-46.1%
OM growth 5Y-25.01%
PM growth 3Y-45.14%
PM growth 5Y-8.95%
GM growth 3Y-14.07%
GM growth 5Y-7.14%
CPSS Yearly Profit, Operating, Gross MarginsCPSS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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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.
  • CPSS has more shares outstanding than it did 1 year ago.
  • CPSS has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CPSS has a worse debt to assets ratio.
CPSS Yearly Shares OutstandingCPSS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 0.25, we must say that CPSS is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CPSS (0.25) is comparable to the rest of the industry.
  • CPSS has a debt to FCF ratio of 12.08. This is a negative value and a sign of low solvency as CPSS would need 12.08 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 12.08, CPSS is in line with its industry, outperforming 53.70% of the companies in the same industry.
  • A Debt/Equity ratio of 11.26 is on the high side and indicates that CPSS has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 11.26, CPSS is doing worse than 88.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 11.26
Debt/FCF 12.08
Altman-Z 0.25
ROIC/WACC0.08
WACC5.17%
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 2025 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.11 indicates that CPSS may have some problems paying its short term obligations.
  • CPSS's Current ratio of 0.11 is on the low side compared to the rest of the industry. CPSS is outperformed by 74.07% of its industry peers.
  • CPSS has a Quick Ratio of 0.11. 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 Quick ratio value of 0.11, CPSS is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.11
Quick Ratio 0.11
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 2025 500M 1B 1.5B 2B

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2

3. CPSS Growth Analysis

3.1 Past

  • CPSS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.06%.
  • Measured over the past years, CPSS shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.54% on average per year.
  • The Revenue has grown by 14.89% in the past year. This is quite good.
  • CPSS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.31% yearly.
EPS 1Y (TTM)2.06%
EPS 3Y-37.13%
EPS 5Y-2.54%
EPS Q2Q%0%
Revenue 1Y (TTM)14.89%
Revenue growth 3Y10.83%
Revenue growth 5Y7.31%
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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7

4. CPSS Valuation Analysis

4.1 Price/Earnings Ratio

  • CPSS is valuated reasonably with a Price/Earnings ratio of 10.30.
  • The rest of the industry has a similar Price/Earnings ratio as CPSS.
  • The average S&P500 Price/Earnings ratio is at 26.78. CPSS is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 5.57 indicates a rather cheap valuation of CPSS.
  • CPSS's Price/Forward Earnings ratio is rather cheap when compared to the industry. CPSS is cheaper than 85.19% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.54. CPSS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.3
Fwd PE 5.57
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

  • Based on the Enterprise Value to EBITDA ratio, CPSS is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 92.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.63
EV/EBITDA 163.59
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)0.12
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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CPSS Fundamentals: All Metrics, Ratios and Statistics

CONSUMER PORTFOLIO SERVICES

NASDAQ:CPSS (4/10/2026, 8:14:52 PM)

8.24

-0.11 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-10
Earnings (Next)05-11
Inst Owners23.36%
Inst Owner Change0%
Ins Owners28.6%
Ins Owner Change-1.81%
Market Cap179.30M
Revenue(TTM)427.97M
Net Income(TTM)19.32M
Analysts85.71
Price Target14.28 (73.3%)
Short Float %3.27%
Short Ratio16.91
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)-16.03%
Min EPS beat(2)-21.57%
Max EPS beat(2)-10.49%
EPS beat(4)0
Avg EPS beat(4)-23.64%
Min EPS beat(4)-37.91%
Max EPS beat(4)-10.49%
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)-3.85%
Min Revenue beat(2)-4.66%
Max Revenue beat(2)-3.05%
Revenue beat(4)0
Avg Revenue beat(4)-3.57%
Min Revenue beat(4)-4.74%
Max Revenue beat(4)-1.84%
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.3
Fwd PE 5.57
P/S 0.42
P/FCF 0.63
P/OCF 0.63
P/B 0.59
P/tB 0.59
EV/EBITDA 163.59
EPS(TTM)0.8
EY9.71%
EPS(NY)1.48
Fwd EY17.95%
FCF(TTM)13.06
FCFY158.53%
OCF(TTM)13.09
OCFY158.92%
SpS19.39
BVpS14.03
TBVpS14.03
PEG (NY)0.12
PEG (5Y)N/A
Graham Number15.89
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 6.24%
ROCE 0.57%
ROIC 0.39%
ROICexc 0.39%
ROICexgc 0.4%
OM 5.02%
PM (TTM) 4.52%
GM 45.78%
FCFM 67.36%
ROA(3y)0.87%
ROA(5y)1.59%
ROE(3y)9.77%
ROE(5y)18.97%
ROIC(3y)0.58%
ROIC(5y)1.33%
ROICexc(3y)0.58%
ROICexc(5y)1.34%
ROICexgc(3y)0.58%
ROICexgc(5y)1.35%
ROCE(3y)0.83%
ROCE(5y)1.91%
ROICexgc growth 3Y-46.85%
ROICexgc growth 5Y-28.64%
ROICexc growth 3Y-46.74%
ROICexc growth 5Y-28.53%
OM growth 3Y-46.1%
OM growth 5Y-25.01%
PM growth 3Y-45.14%
PM growth 5Y-8.95%
GM growth 3Y-14.07%
GM growth 5Y-7.14%
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 11.26
Debt/FCF 12.08
Debt/EBITDA 155.64
Cap/Depr 80.48%
Cap/Sales 0.17%
Interest Coverage 0.1
Cash Conversion 1291.11%
Profit Quality 1491.81%
Current Ratio 0.11
Quick Ratio 0.11
Altman-Z 0.25
F-Score5
WACC5.17%
ROIC/WACC0.08
Cap/Depr(3y)65.57%
Cap/Depr(5y)89.12%
Cap/Sales(3y)0.15%
Cap/Sales(5y)0.37%
Profit Quality(3y)1076.82%
Profit Quality(5y)778.42%
High Growth Momentum
Growth
EPS 1Y (TTM)2.06%
EPS 3Y-37.13%
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)14.89%
Revenue growth 3Y10.83%
Revenue growth 5Y7.31%
Sales Q2Q%3.9%
Revenue Next Year10.58%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y234.57%
EBIT growth 3Y-40.27%
EBIT growth 5Y-19.52%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23.56%
FCF growth 3Y10.48%
FCF growth 5Y3.84%
OCF growth 1Y23.63%
OCF growth 3Y10.21%
OCF growth 5Y3.89%

CONSUMER PORTFOLIO SERVICES / CPSS Fundamental Analysis 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.


Can you provide the profitability details for CONSUMER PORTFOLIO SERVICES?

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


Can you provide the PE and PB ratios for CPSS stock?

The Price/Earnings (PE) ratio for CONSUMER PORTFOLIO SERVICES (CPSS) is 10.3 and the Price/Book (PB) ratio is 0.59.