NASDAQ: CPSS
Consumer Portfolio Services Inc Stock

$8.90+0.15 (+1.71%)
Updated Apr 29, 2025
CPSS Price
$8.90
Fair Value Price
N/A
Market Cap
$190.84M
52 Week Low
$7.03
52 Week High
$12.73
P/E
9.89x
P/B
0.65x
P/S
0.59x
PEG
0.12x
Dividend Yield
N/A
Revenue
$393.51M
Earnings
$19.20M
Gross Margin
75.6%
Operating Margin
55.57%
Profit Margin
4.9%
Debt to Equity
10.93
Operating Cash Flow
$234M
Beta
1.08
Next Earnings
May 8, 2025
Ex-Dividend
N/A
Next Dividend
N/A

CPSS Overview

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine CPSS's potential to beat the market

BBuy
  • Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Credit Service

Industry Rating
A
CPSS
Ranked
#14 of 49

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$26.39A
$9.48A
$7.86A
View Top Credit Service Stocks

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CPSS News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CPSS scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CPSS ($8.90) is trading below its intrinsic value of $31.33, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CPSS is good value based on its earnings relative to its share price (9.89x), compared to the US market average (29.19x)
P/E vs Market Valuation
CPSS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more CPSS due diligence checks available for Premium users.

Valuation

CPSS fair value

Fair Value of CPSS stock based on Discounted Cash Flow (DCF)

Price
$8.90
Fair Value
$20.99
Undervalued by
57.59%
CPSS ($8.90) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CPSS price to earnings (PE)

For valuing profitable companies with steady earnings

Company
9.89x
Industry
29.53x
Market
29.19x
CPSS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CPSS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CPSS price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.65x
Industry
5.4x
CPSS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CPSS price to earnings growth (PEG)

For valuing profitable companies with growth potential

CPSS is good value based... subscribe to Premium to read more.
PEG Value Valuation

CPSS's financial health

Profit margin

Revenue
$105.3M
Net Income
$5.1M
Profit Margin
4.9%
CPSS's Earnings (EBIT) of $218.69M... subscribe to Premium to read more.
Interest Coverage Financials
CPSS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.5B
Liabilities
$3.2B
Debt to equity
10.93
CPSS's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
CPSS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$68.0M
Investing
-$232.9M
Financing
$23.2M
CPSS's operating cash flow ($233.76M)... subscribe to Premium to read more.
Debt Coverage Financials

CPSS vs Credit Service Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CPSSB$190.84M+1.71%9.89x0.65x
OPRTA$185.73M-3.38%-2.64x0.52x
MFINC$205.87M+1.03%5.57x0.56x
FOAC$223.12M+5.74%13.27x0.87x
LPROF$143.74M-4.76%-1.06x1.84x

Consumer Portfolio Services Stock FAQ

What is Consumer Portfolio Services's quote symbol?

(NASDAQ: CPSS) Consumer Portfolio Services trades on the NASDAQ under the ticker symbol CPSS. Consumer Portfolio Services stock quotes can also be displayed as NASDAQ: CPSS.

If you're new to stock investing, here's how to buy Consumer Portfolio Services stock.

What is the 52 week high and low for Consumer Portfolio Services (NASDAQ: CPSS)?

(NASDAQ: CPSS) Consumer Portfolio Services's 52-week high was $12.73, and its 52-week low was $7.03. It is currently -30.09% from its 52-week high and 26.6% from its 52-week low.

How much is Consumer Portfolio Services stock worth today?

(NASDAQ: CPSS) Consumer Portfolio Services currently has 21,443,198 outstanding shares. With Consumer Portfolio Services stock trading at $8.90 per share, the total value of Consumer Portfolio Services stock (market capitalization) is $190.84M.

Consumer Portfolio Services stock was originally listed at a price of $9.63 in Dec 31, 1997. If you had invested in Consumer Portfolio Services stock at $9.63, your return over the last 27 years would have been -7.53%, for an annualized return of -0.29% (not including any dividends or dividend reinvestments).

How much is Consumer Portfolio Services's stock price per share?

(NASDAQ: CPSS) Consumer Portfolio Services stock price per share is $8.90 today (as of Apr 29, 2025).

What is Consumer Portfolio Services's Market Cap?

(NASDAQ: CPSS) Consumer Portfolio Services's market cap is $190.84M, as of May 1, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Consumer Portfolio Services's market cap is calculated by multiplying CPSS's current stock price of $8.90 by CPSS's total outstanding shares of 21,443,198.
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