CPSS
Consumer Portfolio Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CPSS
- PE Ratio
The current PE ratio for Consumer Portfolio Services stock as of Jun 25, 2026 is 10.44. This is calculated based on the current EPS of $0.91 and the stock price of $9.5 per share. The P/E ratio marks an increase of 9% from the past four quarters average of 9.6.
CPSS PE ratio history
The average historical PE ratio of Consumer Portfolio Services for the last ten years is 16.96. The current PE ratio of 10.44 is 38% below the historical average. Over the past ten years, CPSS's PE ratio was at its highest in the Sep 2018 quarter at 370, when the stock price was $3.7 and the EPS was $0.01. The lowest value was in the Sep 2022 quarter, when it reached 1.71 with a price of $7.27 and an EPS of $4.25.
Consumer Portfolio Services PE ratio by year
Maximum annual increase: 534.44% in 2013
Maximum annual decrease: -81.85% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.6 | -12.18% | $9.33 | $0.88 |
| 2024 | 12.07 | 179.4% | $10.86 | $0.9 |
| 2023 | 4.32 | 100% | $9.37 | $2.17 |
| 2022 | 2.16 | -61.57% | $8.85 | $4.1 |
| 2021 | 5.62 | 27.15% | $11.85 | $2.11 |
| 2020 | 4.42 | -68.52% | $4.24 | $0.96 |
| 2019 | 14.04 | 216.93% | $3.37 | $0.24 |
| 2018 | 4.43 | -81.85% | $3.01 | $0.68 |
| 2017 | 24.41 | 471.66% | $4.15 | $0.17 |
| 2016 | 4.27 | 10.34% | $5.12 | $1.2 |
| 2015 | 3.87 | -37.98% | $5.19 | $1.34 |
| 2014 | 6.24 | -34.86% | $7.36 | $1.18 |
| 2013 | 9.58 | 534.44% | $9.39 | $0.98 |
| 2012 | 1.51 | N/A | $5.36 | $3.56 |
| 2011 | N/A | N/A | $0.89 | -$0.76 |
Consumer Portfolio Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.49 | -19.91% | $7.73 | $0.91 |
| Dec 2025 | 10.6 | 26.34% | $9.33 | $0.88 |
| Sep 2025 | 8.39 | -23.17% | $7.55 | $0.9 |
| Jun 2025 | 10.92 | 13.4% | $9.83 | $0.9 |
| Mar 2025 | 9.63 | -20.22% | $8.67 | $0.9 |
| Dec 2024 | 12.07 | 28.68% | $10.86 | $0.9 |
| Sep 2024 | 9.38 | 21.5% | $9.38 | $1 |
| Jun 2024 | 7.72 | 75.45% | $9.8 | $1.27 |
| Mar 2024 | 4.4 | 1.85% | $7.56 | $1.72 |
| Dec 2023 | 4.32 | 21.35% | $9.37 | $2.17 |
| Sep 2023 | 3.56 | 0% | $9.07 | $2.55 |
| Jun 2023 | 3.56 | 26.24% | $11.67 | $3.28 |
| Mar 2023 | 2.82 | 30.56% | $10.69 | $3.79 |
| Dec 2022 | 2.16 | 26.32% | $8.85 | $4.1 |
| Sep 2022 | 1.71 | -39.58% | $7.27 | $4.25 |
CPSS Price vs fair value
CPSS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
CPSS's current P/E ratio is above the 3 and 5-year historical averages, but it is below the 10-year average.
PE comparison
Consumer Portfolio Services's P/E of 10.44 is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.98, Consumer Portfolio Services's P/E is 20% lower.
CPSS PE vs peers
Compared to its peers AXP and ALLY, CPSS's PE ratio stands lower, however it is higher than RM's. Consumer Portfolio Services is presently trading at a lower PE ratio (10.44) than its peer group average of 13.23.
| Stock name | PE ratio | Market cap |
|---|---|---|
| RM Regional Management Corp | 7.57 | $364.55M |
| CPSS Consumer Portfolio Services Inc | 10.48 | $207M |
| ALLY Ally Financial Inc | 11.29 | $14.33B |
| ATLC Atlanticus Holdings Corp | 13.26 | $1.67B |
| AXP American Express Co | 21.27 | $233.05B |
Frequently asked questions
What is Consumer Portfolio Services's PE ratio?
The price to earnings ratio for CPSS stock is 10.44 as of Jun 25, 2026.
What is the 3-year average PE ratio for Consumer Portfolio Services (CPSS)?
The 3-year average PE ratio for CPSS stock is 7.75.
What is the 5-year average PE ratio for Consumer Portfolio Services (CPSS)?
The 5-year average PE ratio for CPSS stock is 6.01.
What is the highest PE ratio for CPSS?
The highest quarterly PE ratio in the last ten years has been 370 and it was in the Sep 2018 quarter.
How does the current PE ratio for CPSS compare to its historical average?
The current price to earnings ratio of CPSS is 38% lower than the 10-year historical average.
How is CPSS's PE ratio calculated (Consumer Portfolio Services PE ratio formula)?
The PE ratio is calculated by dividing the most recent price of a stock by its trailing twelve months EPS. As of today (Jun 25, 2026), Consumer Portfolio Services's stock price is $9.5. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.91. Therefore, Consumer Portfolio Services's P/E ratio for today is 10.44. PE RATIO(10.44) = STOCK PRICE($9.5) / TTM EPS($0.91)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.