CONSUMER PORTFOLIO SERVICES (CPSS) Stock Fundamental Analysis

NASDAQ:CPSS • US2105021008

8.25 USD
+0.21 (+2.61%)
Last: Feb 25, 2026, 02:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CPSS gets a fundamental rating of 3 out of 10. We evaluated CPSS against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of CPSS have multiple concerns. CPSS is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year CPSS was profitable.
  • In the past year CPSS had a positive cash flow from operations.
  • In the past 5 years CPSS has always 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 50M 100M 150M 200M

1.2 Ratios

  • The Return On Assets of CPSS (0.51%) is worse than 74.07% of its industry peers.
  • The Return On Equity of CPSS (6.34%) is worse than 75.93% of its industry peers.
  • CPSS's Return On Invested Capital of 0.32% is on the low side compared to the rest of the industry. CPSS is outperformed by 62.96% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CPSS is significantly below the industry average of 12.20%.
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: 72.22% of the companies in the same industry are doing better.
  • CPSS's Profit Margin has improved in the last couple of years.
  • CPSS has a Operating Margin of 3.97%. This is in the lower half of the industry: CPSS underperforms 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.
  • CPSS's Gross Margin has declined in the last couple of years.
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. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CPSS is destroying value.
  • CPSS has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CPSS has been reduced compared to 5 years ago.
  • CPSS has a worse debt/assets ratio than last year.
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.
  • With a Altman-Z score value of 0.24, CPSS perfoms like the industry average, outperforming 42.59% of the companies in the same industry.
  • 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 in line with its industry peers.
  • A Debt/Equity ratio of 11.17 is on the high side and indicates that CPSS has dependencies on debt financing.
  • CPSS has a Debt to Equity ratio of 11.17. This is amonst the worse of the industry: CPSS underperforms 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 11.17
Debt/FCF 12.25
Altman-Z 0.24
ROIC/WACC0.06
WACC5.16%
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.
  • CPSS has a Quick 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.
  • 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

6

3. Growth

3.1 Past

  • CPSS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.20%.
  • The Earnings Per Share has been growing by 29.11% on average over the past years. This is a very strong growth
  • CPSS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.94%.
  • CPSS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.50% yearly.
EPS 1Y (TTM)-7.2%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%0%
Revenue 1Y (TTM)16.94%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%7.8%

3.2 Future

  • Based on estimates for the next years, CPSS will show a very strong growth in Earnings Per Share. The EPS will grow by 30.61% on average per year.
  • Based on estimates for the next years, CPSS will show a quite strong growth in Revenue. The Revenue will grow by 11.06% on average per year.
EPS Next Y-3.53%
EPS Next 2Y30.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.55%
Revenue Next 2Y11.06%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.31 indicates a reasonable valuation of CPSS.
  • Compared to the rest of the industry, the Price/Earnings ratio of CPSS is on the same level as its industry peers.
  • CPSS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.98.
  • Based on the Price/Forward Earnings ratio of 5.58, the valuation of CPSS can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, CPSS is valued cheaper than 83.33% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. CPSS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.31
Fwd PE 5.58
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 66.67% of the companies are valued more cheaply.
  • Based on the Price/Free Cash Flow ratio, CPSS is valued cheaper than 98.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.65
EV/EBITDA 205.32
CPSS Per share dataCPSS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • A more expensive valuation may be justified as CPSS's earnings are expected to grow with 30.61% in the coming years.
PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y30.61%
EPS Next 3YN/A

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

0

5. Dividend

5.1 Amount

  • CPSS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CONSUMER PORTFOLIO SERVICES

NASDAQ:CPSS (2/25/2026, 2:00:10 PM)

8.25

+0.21 (+2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-23
Inst Owners24.41%
Inst Owner Change-0.83%
Ins Owners30.53%
Ins Owner Change-2.61%
Market Cap182.08M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (73.09%)
Short Float %3.25%
Short Ratio15.66
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)-6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-23.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.7%
Valuation
Industry RankSector Rank
PE 10.31
Fwd PE 5.58
P/S 0.43
P/FCF 0.65
P/OCF 0.65
P/B 0.59
P/tB 0.59
EV/EBITDA 205.32
EPS(TTM)0.8
EY9.7%
EPS(NY)1.48
Fwd EY17.93%
FCF(TTM)12.71
FCFY154.07%
OCF(TTM)12.74
OCFY154.47%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.35
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
WACC5.16%
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)-7.2%
EPS 3Y-24.58%
EPS 5Y29.11%
EPS Q2Q%0%
EPS Next Y-3.53%
EPS Next 2Y30.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.94%
Revenue growth 3Y11.02%
Revenue growth 5Y1.5%
Sales Q2Q%7.8%
Revenue Next Year11.55%
Revenue Next 2Y11.06%
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 3 / 10 to CPSS.


What is the valuation status for CPSS stock?

ChartMill assigns a valuation rating of 6 / 10 to CONSUMER PORTFOLIO SERVICES (CPSS). This can be considered as Fairly Valued.


How profitable is CONSUMER PORTFOLIO SERVICES (CPSS) stock?

CONSUMER PORTFOLIO SERVICES (CPSS) has a profitability rating of 3 / 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 10.31 and the Price/Book (PB) ratio is 0.59.


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 decline by -3.53% in the next year.