CONSUMER PORTFOLIO SERVICES (CPSS) Fundamental Analysis & Valuation

NASDAQ:CPSS • US2105021008

Current stock price

7.72 USD
-0.15 (-1.91%)
At close:
7.72 USD
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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

  • In the past year CPSS was profitable.
  • In the past year CPSS had a positive cash flow from operations.
  • CPSS had positive earnings in each of the past 5 years.
  • 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 2025 50M 100M 150M 200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.51%, CPSS is doing worse than 75.93% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 6.34%, CPSS is doing worse than 74.07% of the companies in the same industry.
  • With a Return On Invested Capital value of 0.31%, CPSS is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for CPSS is significantly below the industry average of 12.12%.
Industry RankSector Rank
ROA 0.51%
ROE 6.34%
ROIC 0.31%
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

  • The Profit Margin of CPSS (4.65%) is worse than 75.93% of its industry peers.
  • In the last couple of years the Profit Margin of CPSS has declined.
  • CPSS's Operating Margin of 3.97% is on the low side compared to the rest of the industry. CPSS is outperformed by 64.81% of its industry peers.
  • In the last couple of years the Operating Margin of CPSS has declined.
  • The Gross Margin of CPSS (46.23%) is comparable to the rest of the industry.
  • 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-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.
  • 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
  • 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 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 0.24, we must say that CPSS is in the distress zone and 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's Debt to FCF ratio of 12.25 is in line compared to the rest of the industry. CPSS outperforms 53.70% of 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 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 11.17
Debt/FCF 12.25
Altman-Z 0.24
ROIC/WACC0.06
WACC5.15%
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

  • 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.
  • CPSS has a Current ratio of 0.16. This is in the lower half of the industry: CPSS underperforms 72.22% of its industry peers.
  • 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 2025 500M 1B 1.5B 2B

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

2

3. CPSS Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.06% over the past year.
  • CPSS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.54% yearly.
  • Looking at the last year, CPSS shows a quite strong growth in Revenue. The Revenue has grown by 14.89% in the last year.
  • Measured over the past years, CPSS shows a small growth in Revenue. The Revenue has been growing by 7.31% on average per year.
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

  • With a Price/Earnings ratio of 9.65, the valuation of CPSS can be described as very reasonable.
  • 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 25.54.
  • The Price/Forward Earnings ratio is 5.22, which 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.
  • When comparing the Price/Forward Earnings ratio of CPSS to the average of the S&P500 Index (22.70), we can say CPSS is valued rather cheaply.
Industry RankSector Rank
PE 9.65
Fwd PE 5.22
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 61.11% of the companies in the same industry.
  • 92.59% 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 0.61
EV/EBITDA 205.11
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

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

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CPSS Fundamentals: All Metrics, Ratios and Statistics

CONSUMER PORTFOLIO SERVICES

NASDAQ:CPSS (3/23/2026, 8:00:01 PM)

After market: 7.72 0 (0%)

7.72

-0.15 (-1.91%)

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-1.81%
Market Cap170.38M
Revenue(TTM)427.97M
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (84.97%)
Short Float %3.23%
Short Ratio19.1
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 9.65
Fwd PE 5.22
P/S 0.41
P/FCF 0.61
P/OCF 0.61
P/B 0.55
P/tB 0.55
EV/EBITDA 205.11
EPS(TTM)0.8
EY10.36%
EPS(NY)1.48
Fwd EY19.16%
FCF(TTM)12.71
FCFY164.65%
OCF(TTM)12.74
OCFY165.07%
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 0.31%
ROICexc 0.31%
ROICexgc 0.31%
OM 3.97%
PM (TTM) 4.65%
GM 46.23%
FCFM 66.98%
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-46.77%
ROICexgc growth 5Y-28.57%
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 11.17
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
WACC5.15%
ROIC/WACC0.06
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 1Y110.02%
EBIT growth 3Y-40.27%
EBIT growth 5Y-19.52%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y26.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y26.64%
OCF growth 3YN/A
OCF growth 5YN/A

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.


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 9.65 and the Price/Book (PB) ratio is 0.55.


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.