CONSUMER PORTFOLIO SERVICES (CPSS) Fundamental Analysis & Valuation

NASDAQ:CPSS • US2105021008

8.27 USD
+0.27 (+3.37%)
At close: Mar 9, 2026
8.27 USD
0 (0%)
After Hours: 3/9/2026, 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

3

We assign a fundamental rating of 3 out of 10 to CPSS. CPSS was compared to 54 industry peers in the Consumer Finance industry. CPSS may be in some trouble as it scores bad on both profitability and health. CPSS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. CPSS Profitability Analysis

1.1 Basic Checks

  • In the past year CPSS was profitable.
  • CPSS had a positive operating cash flow in the past year.
  • Each year in the past 5 years CPSS has been profitable.
  • In the past 5 years CPSS always reported a positive cash flow from operatings.
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's Return On Equity of 6.34% is on the low side compared to the rest of the industry. CPSS is outperformed by 75.93% of its industry peers.
  • With a Return On Invested Capital value of 0.32%, CPSS is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
  • CPSS had an Average Return On Invested Capital over the past 3 years of 1.36%. This 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

  • CPSS has a worse Profit Margin (4.65%) than 77.78% of its industry peers.
  • In the last couple of years the Profit Margin of CPSS has grown nicely.
  • The Operating Margin of CPSS (3.97%) is worse than 64.81% of its industry peers.
  • CPSS's Operating Margin has declined in the last couple of years.
  • 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. CPSS Health Analysis

2.1 Basic Checks

  • CPSS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for CPSS has been increased compared to 1 year ago.
  • Compared to 5 years ago, CPSS has less shares outstanding
  • The debt/assets ratio for CPSS is higher compared to a year ago.
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

  • Based on the Altman-Z score of 0.24, we must say that CPSS is in the distress zone and has some risk of bankruptcy.
  • CPSS has a Altman-Z score (0.24) which is in line with 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.
  • Looking at the Debt to Equity ratio, with a value of 11.17, CPSS is doing worse than 87.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 11.17
Debt/FCF 12.25
Altman-Z 0.24
ROIC/WACC0.06
WACC5.18%
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.
  • The Quick ratio of CPSS (0.16) is worse than 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. CPSS Growth Analysis

3.1 Past

  • The earnings per share for CPSS have decreased by -7.20% in the last year.
  • The Earnings Per Share has been growing by 29.11% on average over the past years. This is a very strong growth
  • Looking at the last year, CPSS shows a quite strong growth in Revenue. The Revenue has grown by 16.94% in the last year.
  • 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.
  • CPSS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.06% yearly.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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6

4. CPSS Valuation Analysis

4.1 Price/Earnings Ratio

  • CPSS is valuated reasonably with a Price/Earnings ratio of 10.34.
  • The rest of the industry has a similar Price/Earnings ratio as CPSS.
  • CPSS is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 5.59 indicates a rather cheap valuation of CPSS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CPSS indicates a rather cheap valuation: CPSS is cheaper than 83.33% of the companies listed in the same industry.
  • CPSS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.65.
Industry RankSector Rank
PE 10.34
Fwd PE 5.59
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

  • 66.67% of the companies in the same industry are cheaper than CPSS, based on the Enterprise Value to EBITDA ratio.
  • 98.15% of the companies in the same industry are more expensive than CPSS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.65
EV/EBITDA 205.27
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)0.36
EPS Next 2Y30.61%
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 (3/9/2026, 8:00:01 PM)

After market: 8.27 0 (0%)

8.27

+0.27 (+3.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-10
Earnings (Next)03-23
Inst Owners23.04%
Inst Owner Change-0.83%
Ins Owners28.28%
Ins Owner Change-2.61%
Market Cap182.52M
Revenue(TTM)418.86M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (72.67%)
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 10.34
Fwd PE 5.59
P/S 0.44
P/FCF 0.65
P/OCF 0.65
P/B 0.59
P/tB 0.59
EV/EBITDA 205.27
EPS(TTM)0.8
EY9.67%
EPS(NY)1.48
Fwd EY17.88%
FCF(TTM)12.71
FCFY153.7%
OCF(TTM)12.74
OCFY154.09%
SpS18.98
BVpS13.94
TBVpS13.94
PEG (NY)N/A
PEG (5Y)0.36
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
WACC5.18%
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 10.34 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.