CPSS Consumer Portfolio Services Inc

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

Price (delayed)

$10

Market cap

$210.21M

P/E Ratio

5.81

Dividend/share

N/A

EPS

$1.72

Enterprise value

$2.71B

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 15% YoY
The company's revenue rose by 7% YoY and by 2.5% QoQ
The company's EPS has shrunk by 55% YoY and by 21% QoQ
The net income has plunged by 54% YoY and by 20% from the previous quarter
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
Market
Shares outstanding
21.02M
Market cap
$210.21M
Enterprise value
$2.71B
Valuations
Price to earnings (P/E)
5.81
Price to book (P/B)
0.76
Price to sales (P/S)
0.59
EV/EBIT
13.2
EV/EBITDA
13.15
EV/Sales
7.51
Earnings
Revenue
$360.66M
EBIT
$205.06M
EBITDA
$205.89M
Free cash flow
$224.91M
Per share
EPS
$1.72
Free cash flow per share
$10.64
Book value per share
$13.21
Revenue per share
$17.06
TBVPS
$142.2
Balance sheet
Total assets
$3.01B
Total liabilities
$2.73B
Debt
$2.65B
Equity
$279.1M
Working capital
N/A
Liquidity
Debt to equity
9.49
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
12.13
Margins
EBITDA margin
57.1%
Gross margin
74.9%
Net margin
10%
Operating margin
56.9%
Efficiency
Return on assets
1.2%
Return on equity
13.4%
Return on invested capital
3.8%
Return on capital employed
N/A
Return on sales
56.9%
Dividend
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
-4.67%
1 week
-9.91%
1 month
4.6%
1 year
-21.81%
YTD
6.72%
QTD
2.04%

Financial performance

How have Consumer Portfolio Services's revenue and profit performed over time
Revenue
$360.66M
Gross profit
$270.13M
Operating income
$205.06M
Net income
$36.11M
Gross margin
74.9%
Net margin
10%
The company's net margin has shrunk by 57% YoY and by 22% QoQ
The net income has plunged by 54% YoY and by 20% from the previous quarter
CPSS's operating margin is down by 8% YoY and by 3.6% QoQ
The company's revenue rose by 7% YoY and by 2.5% QoQ

Growth

What is Consumer Portfolio Services's growth rate over time

Valuation

What is Consumer Portfolio Services stock price valuation
P/E
5.81
P/B
0.76
P/S
0.59
EV/EBIT
13.2
EV/EBITDA
13.15
EV/Sales
7.51
The company's EPS has shrunk by 55% YoY and by 21% QoQ
CPSS's P/E is 53% above its last 4 quarters average of 4.0 and 36% above its 5-year quarterly average of 4.5
Consumer Portfolio Services's equity has increased by 15% YoY
The stock's price to book (P/B) is 13% more than its 5-year quarterly average of 0.7 and 13% more than its last 4 quarters average of 0.7
The stock's P/S is 22% more than its 5-year quarterly average of 0.5
The company's revenue rose by 7% YoY and by 2.5% QoQ

Efficiency

How efficient is Consumer Portfolio Services business performance
The company's return on equity has shrunk by 62% YoY and by 23% QoQ
CPSS's return on assets has dropped by 59% year-on-year and by 25% since the previous quarter
The ROIC has contracted by 12% YoY and by 2.6% from the previous quarter
The company's return on sales fell by 8% YoY and by 3.6% QoQ

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 10% higher than its total liabilities
The company's total assets rose by 6% YoY and by 3.5% QoQ
CPSS's total liabilities is up by 5% YoY and by 3.7% QoQ
Consumer Portfolio Services's equity has increased by 15% YoY
CPSS's debt to equity is down by 9% year-on-year

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