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CPSS Consumer Portfolio Services Inc
Price (delayed)
$9.39
Market cap
$200.26M
P/E Ratio
7.39
Dividend/share
N/A
EPS
$1.27
Enterprise value
$2.87B
Consumer Portfolio Services, Inc. is an independent specialty finance company that provides indirect automobile financing to individuals with past credit problems or limited credit histories. The company purchases retail installment
Highlights
Consumer Portfolio Services's equity has increased by 10% YoY
The company's revenue rose by 9% YoY and by 3.1% QoQ
CPSS's P/E is 64% above its 5-year quarterly average of 4.5 and 48% above its last 4 quarters average of 5.0
The company's EPS has shrunk by 61% YoY and by 26% QoQ
Key stats
What are the main financial stats of CPSS
Market
Valuations
Earnings
Shares outstanding
21.33M
Market cap
$200.26M
Enterprise value
$2.87B
Price to earnings (P/E)
7.39
Price to book (P/B)
0.7
Price to sales (P/S)
0.54
EV/EBIT
14.08
EV/EBITDA
14.02
EV/Sales
7.73
Revenue
$371.68M
EBIT
$204.14M
EBITDA
$204.98M
Free cash flow
$212.57M
Per share
Balance sheet
Liquidity
EPS
$1.27
Free cash flow per share
$10
Book value per share
$13.33
Revenue per share
$17.48
TBVPS
$154.57
Total assets
$3.29B
Total liabilities
$3.01B
Debt
$2.94B
Equity
$280.31M
Working capital
N/A
Debt to equity
10.49
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
13.04
Margins
Efficiency
Dividend
EBITDA margin
55.1%
Gross margin
74.9%
Net margin
7.2%
Operating margin
54.9%
Return on assets
0.9%
Return on equity
9.8%
Return on invested capital
3.7%
Return on capital employed
N/A
Return on sales
54.9%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
CPSS stock price
How has the Consumer Portfolio Services stock price performed over time
Intraday
2.96%
1 week
-0.53%
1 month
13.27%
1 year
10.08%
YTD
0.21%
QTD
0.11%
Financial performance
How have Consumer Portfolio Services's revenue and profit performed over time
Revenue
$371.68M
Gross profit
$278.57M
Operating income
$204.14M
Net income
$26.83M
Gross margin
74.9%
Net margin
7.2%
The company's net margin has shrunk by 63% YoY and by 28% QoQ
The net income has plunged by 60% YoY and by 26% from the previous quarter
CPSS's operating margin is down by 11% YoY and by 3.5% QoQ
The company's revenue rose by 9% YoY and by 3.1% QoQ
Growth
What is Consumer Portfolio Services's growth rate over time
Valuation
What is Consumer Portfolio Services stock price valuation
P/E
7.39
P/B
0.7
P/S
0.54
EV/EBIT
14.08
EV/EBITDA
14.02
EV/Sales
7.73
CPSS's P/E is 64% above its 5-year quarterly average of 4.5 and 48% above its last 4 quarters average of 5.0
The company's EPS has shrunk by 61% YoY and by 26% QoQ
The stock's price to book (P/B) is 13% less than its 5-year quarterly average of 0.8
Consumer Portfolio Services's equity has increased by 10% YoY
The company's revenue rose by 9% YoY and by 3.1% QoQ
The stock's P/S is 8% more than its 5-year quarterly average of 0.5 and 8% more than its last 4 quarters average of 0.5
Efficiency
How efficient is Consumer Portfolio Services business performance
The company's return on equity has shrunk by 66% YoY and by 27% QoQ
CPSS's return on assets has dropped by 63% year-on-year and by 25% since the previous quarter
The company's return on sales fell by 11% YoY and by 3.5% QoQ
The ROIC has contracted by 10% YoY and by 2.6% from the previous quarter
Dividends
What is CPSS's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for CPSS.
Financial health
How did Consumer Portfolio Services financials performed over time
The company's total assets is 9% higher than its total liabilities
CPSS's total liabilities is up by 16% YoY and by 10% QoQ
The company's total assets rose by 15% YoY and by 9% QoQ
The company's debt rose by 16% YoY and by 11% QoQ
CPSS's debt to equity is up by 11% since the previous quarter and by 5% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.