CPSS Consumer Portfolio Services Inc

Price (delayed)

$7.56

Market cap

$159.74M

P/E Ratio

3.48

Dividend/share

N/A

EPS

$2.17

Enterprise value

$2.6B

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
CPSS's P/E is 26% below its 5-year quarterly average of 4.7 and 3.3% below its last 4 quarters average of 3.6
Consumer Portfolio Services's equity has increased by 20% YoY and by 3.3% QoQ
The net income has contracted by 47% YoY and by 13% from the previous quarter
The company's EPS fell by 47% YoY and by 15% QoQ

Key stats

What are the main financial stats of CPSS
Market
Shares outstanding
21.13M
Market cap
$159.74M
Enterprise value
$2.6B
Valuations
Price to earnings (P/E)
3.48
Price to book (P/B)
0.58
Price to sales (P/S)
0.45
EV/EBIT
12.52
EV/EBITDA
12.47
EV/Sales
7.39
Earnings
Revenue
$352.01M
EBIT
$207.73M
EBITDA
$208.58M
Free cash flow
$237.42M
Per share
EPS
$2.17
Free cash flow per share
$11.36
Book value per share
$13
Revenue per share
$16.85
TBVPS
$138.96
Balance sheet
Total assets
$2.9B
Total liabilities
$2.63B
Debt
$2.57B
Equity
$274.67M
Working capital
N/A
Liquidity
Debt to equity
9.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
11.7
Margins
EBITDA margin
59.3%
Gross margin
75%
Net margin
12.9%
Operating margin
59%
Efficiency
Return on assets
1.6%
Return on equity
17.5%
Return on invested capital
3.9%
Return on capital employed
N/A
Return on sales
59%
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
-4.18%
1 week
-1.43%
1 month
-11.37%
1 year
-23.56%
YTD
-19.32%
QTD
-19.32%

Financial performance

How have Consumer Portfolio Services's revenue and profit performed over time
Revenue
$352.01M
Gross profit
$263.87M
Operating income
$207.73M
Net income
$45.34M
Gross margin
75%
Net margin
12.9%
The company's net margin has shrunk by 51% YoY and by 15% QoQ
The net income has contracted by 47% YoY and by 13% from the previous quarter
Consumer Portfolio Services's gross profit has increased by 8% YoY and by 2.6% QoQ
The company's revenue rose by 7% YoY and by 2.6% QoQ

Growth

What is Consumer Portfolio Services's growth rate over time

Valuation

What is Consumer Portfolio Services stock price valuation
P/E
3.48
P/B
0.58
P/S
0.45
EV/EBIT
12.52
EV/EBITDA
12.47
EV/Sales
7.39
The company's EPS fell by 47% YoY and by 15% QoQ
CPSS's P/E is 26% below its 5-year quarterly average of 4.7 and 3.3% below its last 4 quarters average of 3.6
The stock's price to book (P/B) is 28% less than its last 4 quarters average of 0.8 and 17% less than its 5-year quarterly average of 0.7
Consumer Portfolio Services's equity has increased by 20% YoY and by 3.3% QoQ
The stock's P/S is 25% less than its last 4 quarters average of 0.6 and 10% less than its 5-year quarterly average of 0.5
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 has shrunk by 58% YoY and by 17% QoQ
CPSS's return on assets has dropped by 53% year-on-year and by 11% since the previous quarter
The ROIC has contracted by 11% YoY
The company's return on sales fell by 4.5% 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 10% higher than its total liabilities
The company's total assets rose by 5% YoY
CPSS's total liabilities is up by 4.1% YoY
Consumer Portfolio Services's equity has increased by 20% YoY and by 3.3% QoQ
CPSS's debt to equity is down by 14% year-on-year and by 2.7% since the previous quarter

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