Consumer Portfolio Services, In (CPSS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Consumer Portfolio Services, In

NasdaqGM•Financial Services•Credit Services

$9.40+0.59(0.07%)Market closed

Market Cap

$208.54M

P/E

9.7x

P/S

0.5x

P/B

0.7x

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 also 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. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.

How this company scores

WeakMetricSide Score: 68/100

Grade capped at D — Interest coverage below 1× (0.1x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (11/25).

Profitability14/25

Growth18/25

Balance Sheet & Red Flags11/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowCash-backed earningsConsistent free cash flowConsistent growth

Grade capped at D

Interest coverage below 1× (0.1x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.7x5y range 0.0x – 11.9x

Currently above its 20-quarter median.

P/S · 0.5x5y range 0.0x – 0.9x

Currently near its 20-quarter median.

P/B · 0.7x5y range 0.0x – 1.4x

Price & Volume

Market Cap $208.54M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $451.56M
Q. Revenue: $121.39M
TTM EBITDA: $32.17M
TTM Op. Income: $31.31M
Q. Op. Income: $9.04M
TTM Net Income: $21.61M
Q. Net Income: $6.23M
EPS: $0.29
Shares Out.: $21.63M

$451.56M in TTM revenue grew 6.9% YoY, reaching $121.39M last quarter. TTM EBITDA of $32.17M and TTM operating income of $31.31M show growth is flowing through to the bottom line. TTM net income of $21.61M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 7.6%
Op. Margin: 7.4%
Net Margin: 5.1%

Op. margin of 7.4% is up 1.1% YoY — cost efficiency is improving. Net margin at 5.1% Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.7x
P/S Ratio: 0.5x
P/B Ratio: 0.7x

At 9.7x P/E, the stock trades below typical market levels. P/S of 0.5x and P/B of 0.7x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 13% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.42B
Cash: $7.50M
Long-Term Debt: $200.96M
Book Value: $319.25M
D/E Ratio: 0.6
Debt/EBITDA: 21.6

With $4.42B in assets and $200.96M in long-term debt, D/E is 0.6and book value is $319.25M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 1% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $106.09M
TTM Free Cash Flow: $349.46M
FCF Margin: 77.4%
FCF / Net Income: 16.2

TTM FCF of $349.46M on $106.09M in operating cash flow. The FCF / Net Income ratio of 16.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 7 consecutive quarters — an improving trend.