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NASDAQ: CPSS
Consumer Portfolio Services Inc Stock

$9.76-0.04 (-0.41%)
Updated Mar 17, 2023
CPSS Price
$9.76
Fair Value Price
$10.28
Market Cap
$200.42M
52 Week Low
$4.64
52 Week High
$15.47
P/E
2.38x
P/B
0.88x
P/S
0.56x
PEG
0.04x
Dividend Yield
N/A
Revenue
$329.71M
Earnings
$85.98M
Gross Margin
74.4%
Operating Margin
61.79%
Profit Margin
26.1%
Debt to Equity
11.05
Operating Cash Flow
$216M
Beta
0.6
Next Earnings
Apr 17, 2023
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 Score

Industry Average (31)
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Due Diligence Checks

CPSS ($9.76) is undervalued by 5.09% relative to our estimate of its Fair Value price of $10.28 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CPSS ($9.76) is not significantly undervalued (5.09%) relative to our estimate of its Fair Value price of $10.28 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CPSS ($9.76) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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CPSS News

Valuation

CPSS fair value

Fair Value of CPSS stock based on Discounted Cash Flow (DCF)
Price
$9.76
Fair Value
$10.28
Undervalued by
5.09%
CPSS ($9.76) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CPSS ($9.76) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CPSS ($9.76) 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
2.38x
Industry
27.28x
Market
21.81x
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
0.88x
Industry
3.09x
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
$83.0M
Net Income
$14.1M
Profit Margin
17%
CPSS's Earnings (EBIT) of $203.72M... subscribe to Premium to read more.
Interest Coverage Financials
CPSS's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.8B
Liabilities
$2.5B
Debt to equity
11.05
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
$51.2M
Investing
-$147.4M
Financing
$86.3M
CPSS's operating cash flow ($215.93M)... subscribe to Premium to read more.
Debt Coverage Financials

CPSS vs Credit Service Stocks

TickerMarket Cap1d %P/EP/B
CPSS$200.42M-0.41%2.38x0.88x
HKD$217.73M+0.50%7.97x0.55x
MFIN$172.33M-2.51%3.97x0.57x
YRD$235.03M-6.09%1.32x0.27x
RM$239.89M-5.02%4.57x0.78x

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 $15.47, and its 52-week low was $4.64. It is currently -36.91% from its 52-week high and 110.57% from its 52-week low.

How much is Consumer Portfolio Services stock worth today?

(NASDAQ: CPSS) Consumer Portfolio Services currently has 20,535,126 outstanding shares. With Consumer Portfolio Services stock trading at $9.76 per share, the total value of Consumer Portfolio Services stock (market capitalization) is $200.42M.

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 25 years would have been 1.4%, for an annualized return of 0.06% (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 $9.76 today (as of Mar 17, 2023).

What is Consumer Portfolio Services's Market Cap?

(NASDAQ: CPSS) Consumer Portfolio Services's market cap is $200.42M, as of Mar 20, 2023.

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 $9.76 by CPSS's total outstanding shares of 20,535,126.
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