CONSUMER PORTFOLIO SERVICES (CPSS) Fundamental Analysis & Valuation

NASDAQ:CPSS • US2105021008

Current stock price

7.53 USD
-0.04 (-0.53%)
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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.
  • CPSS had a positive operating cash flow in the past year.
  • Of the past 5 years CPSS 4 years were profitable.
  • Of the past 5 years CPSS 4 years 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

  • With a Return On Assets value of 0.51%, CPSS is not doing good in the industry: 75.93% of the companies in the same industry are doing better.
  • 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.
  • CPSS has a worse Return On Invested Capital (0.32%) 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

  • CPSS's Profit Margin of 4.65% is on the low side compared to the rest of the industry. CPSS is outperformed by 77.78% of its industry peers.
  • CPSS's Profit Margin has improved in the last couple of years.
  • 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.
  • CPSS's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 46.23%, CPSS is in line with its industry, outperforming 42.59% of the companies in the same industry.
  • 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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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.
  • CPSS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • 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's Altman-Z score of 0.24 is in line compared 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 in line with its industry peers.
  • CPSS has a Debt/Equity ratio of 11.17. This is a high value indicating a heavy dependency on external 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.
  • CPSS's Current 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.
  • 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

0

3. CPSS Growth Analysis

3.1 Past

  • The Earnings Per Share has been decreasing by -2.54% on average over the past years.
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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7

4. CPSS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.41 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.
  • The average S&P500 Price/Earnings ratio is at 25.70. CPSS is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 5.09, which indicates a rather cheap valuation of CPSS.
  • Based on the Price/Forward Earnings ratio, CPSS is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
  • CPSS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 9.41
Fwd PE 5.09
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 0.59
EV/EBITDA 204.73
CPSS Per share dataCPSS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The 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 (3/13/2026, 8:18:33 PM)

After market: 7.53 0 (0%)

7.53

-0.04 (-0.53%)

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 Cap166.19M
Revenue(TTM)N/A
Net Income(TTM)19.49M
Analysts85.71
Price Target14.28 (89.64%)
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 9.41
Fwd PE 5.09
P/S 0.4
P/FCF 0.59
P/OCF 0.59
P/B 0.54
P/tB 0.54
EV/EBITDA 204.73
EPS(TTM)0.8
EY10.62%
EPS(NY)1.48
Fwd EY19.64%
FCF(TTM)12.71
FCFY168.81%
OCF(TTM)12.74
OCFY169.24%
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 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 9.41 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.