CPSS Consumer Portfolio Services Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: CPSS

Price (delayed)

$9.29

Market cap

$200.24M

P/E Ratio

9.48

Dividend/share

N/A

EPS

$0.98

Enterprise value

$4.03B

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Relative Growth: Rel. Growth: 50
Relative Strength: Rel. Strength: 46
Relative Valuation: Rel. Valuation: 86
Relative Profitability: Rel. Profitability: 74

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. We purchase retail installment sales ...

Highlights
The net income has grown by 11% YoY and by 7% from the previous quarter
Consumer Portfolio Services's gross profit has increased by 10% YoY and by 3.6% QoQ
CPSS's P/E is 50% above its 5-year quarterly average of 6.3
The company's debt rose by 18% YoY and by 9% QoQ
Sector: Financial Services
Industry: Credit Services
Website: http://www.consumerportfolio.com
Peers: ATLC AXP ALLY RM

Key stats

What are the main financial stats of CPSS

CPSS stock price

How has the Consumer Portfolio Services stock price performed over time
Intraday
1.42%
1 week
1.42%
1 month
-1.69%
1 year
11.93%
YTD
-0.43%
QTD
-3.18%

Financial performance

How have Consumer Portfolio Services's revenue and profit performed over time
Revenue
$451.55M
Gross profit
$359.12M
Operating income
$274.03M
Net income
$21.61M
Gross margin
79.5%
Net margin
4.8%
The operating income is up by 12% year-on-year and by 2.9% since the previous quarter
The net income has grown by 11% YoY and by 7% from the previous quarter
Consumer Portfolio Services's gross profit has increased by 10% YoY and by 3.6% QoQ
The company's revenue rose by 7% YoY and by 2.6% QoQ

Price vs fundamentals

How does CPSS's price correlate with its fundamentals

Growth

What is Consumer Portfolio Services's growth rate over time

Valuation

What is Consumer Portfolio Services stock price valuation
CPSS P/E details
P/E
9.48
P/B
0.63
P/S
0.45
EV/EBIT
14.7
EV/EBITDA
14.65
EV/Sales
8.92
CPSS's P/E is 50% above its 5-year quarterly average of 6.3
The company's EPS rose by 9% YoY and by 8% QoQ
The stock's price to book (P/B) is 21% less than its 5-year quarterly average of 0.8 but 5% more than its last 4 quarters average of 0.6
Consumer Portfolio Services's equity has increased by 5% YoY
The stock's P/S is 25% less than its 5-year quarterly average of 0.6 but 13% more than its last 4 quarters average of 0.4
The company's revenue rose by 7% YoY and by 2.6% QoQ

Efficiency

How efficient is Consumer Portfolio Services business performance
The company's return on equity rose by 6% QoQ and by 4.5% YoY
The company's return on sales rose by 5% YoY
The ROIC has contracted by 2.7% from the previous quarter and by 2.7% YoY

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 8% higher than its total liabilities
CPSS's total liabilities is up by 19% YoY and by 10% QoQ
The company's total assets rose by 17% YoY and by 9% QoQ
The company's debt rose by 18% YoY and by 9% QoQ
CPSS's debt to equity is up by 12% year-on-year and by 8% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.