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CPSS Consumer Portfolio Services Inc
Price (delayed)
$10.46
Market cap
$223.9M
P/E Ratio
10.46
Dividend/share
N/A
EPS
$1
Enterprise value
$3.05B
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 gross profit has increased by 11% YoY and by 2.2% QoQ
The company's revenue rose by 11% YoY and by 2.3% QoQ
CPSS's P/E is 123% above its 5-year quarterly average of 4.7 and 61% above its last 4 quarters average of 6.5
The company's EPS has shrunk by 61% YoY and by 21% QoQ
Key stats
What are the main financial stats of CPSS
Market
Valuations
Earnings
Shares outstanding
21.41M
Market cap
$223.9M
Enterprise value
$3.05B
Price to earnings (P/E)
10.46
Price to book (P/B)
0.78
Price to sales (P/S)
0.59
EV/EBIT
14.6
EV/EBITDA
14.54
EV/Sales
8.02
Revenue
$380.18M
Gross profit
$284.72M
Net income
$21.25M
EBIT
$208.94M
EBITDA
$209.79M
Free cash flow
$221.18M
Per share
Balance sheet
Liquidity
EPS
$1
EPS diluted
$0.87
Free cash flow per share
$10.36
Book value per share
$13.37
Revenue per share
$17.81
TBVPS
$162.24
Total assets
$3.46B
Total liabilities
$3.18B
Debt
$3.1B
Equity
$285.09M
Working capital
N/A
Debt to equity
10.89
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
13.47
Margins
Efficiency
Dividend
EBITDA margin
55.2%
Gross margin
74.9%
Net margin
5.6%
Operating margin
55%
Return on assets
0.7%
Return on equity
7.6%
Return on invested capital
3.6%
Return on capital employed
N/A
Return on sales
55%
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
-1.13%
1 week
-5%
1 month
-1.23%
1 year
5.87%
YTD
11.63%
QTD
11.51%
Financial performance
How have Consumer Portfolio Services's revenue and profit performed over time
Revenue
$380.18M
Gross profit
$284.72M
Operating income
$208.94M
Net income
$21.25M
Gross margin
74.9%
Net margin
5.6%
The company's net margin has shrunk by 63% YoY and by 22% QoQ
The net income has plunged by 59% YoY and by 21% from the previous quarter
Consumer Portfolio Services's gross profit has increased by 11% YoY and by 2.2% QoQ
The company's revenue rose by 11% YoY and by 2.3% QoQ
Growth
What is Consumer Portfolio Services's growth rate over time
Valuation
What is Consumer Portfolio Services stock price valuation
P/E
10.46
P/B
0.78
P/S
0.59
EV/EBIT
14.6
EV/EBITDA
14.54
EV/Sales
8.02
CPSS's P/E is 123% above its 5-year quarterly average of 4.7 and 61% above its last 4 quarters average of 6.5
The company's EPS has shrunk by 61% YoY and by 21% QoQ
The stock's price to book (P/B) is 11% more than its last 4 quarters average of 0.7 but 2.5% less than its 5-year quarterly average of 0.8
Consumer Portfolio Services's equity has increased by 7% YoY
The stock's P/S is 18% more than its 5-year quarterly average of 0.5 and 18% more than its last 4 quarters average of 0.5
The company's revenue rose by 11% YoY and by 2.3% QoQ
Efficiency
How efficient is Consumer Portfolio Services business performance
The company's return on equity has shrunk by 64% YoY and by 22% QoQ
CPSS's return on assets has dropped by 61% year-on-year and by 22% since the previous quarter
The ROIC has contracted by 8% YoY and by 2.7% from the previous quarter
The company's return on sales fell by 8% 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 9% higher than its total liabilities
CPSS's total liabilities is up by 22% YoY and by 6% QoQ
The company's total assets rose by 20% YoY and by 5% QoQ
The company's debt rose by 22% YoY and by 6% QoQ
CPSS's debt to equity is up by 13% year-on-year and by 3.8% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.