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

$9.83+0.28(0.03%)After hours

Market Cap

$213.22M

P/E

9.0x

P/S

0.4x

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: 70/100

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 (9/25).

Profitability14/25

Growth22/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowRising earningsCash-backed earningsConsistent free cash flow

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 · 9.0x5y range 0.0x – 11.9x

Currently above its 20-quarter median.

P/S · 0.4x5y range 0.0x – 0.8x

Currently near its 20-quarter median.

P/B · 0.7x5y range 0.0x – 1.3x

Price & Volume

Market Cap $213.22M

Metrics at a Glance

as of September 2026

Revenue & Profit

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

TTM Revenue: $475.04M
Q. Revenue: $131.91M
TTM EBITDA: $35.27M
TTM Op. Income: $34.36M
Q. Op. Income: $10.08M
TTM Net Income: $23.71M
Q. Net Income: $6.95M
EPS: $0.32
Shares Out.: $21.85M

$475.04M in TTM revenue grew 10.4% YoY, reaching $131.91M last quarter. TTM EBITDA of $35.27M and TTM operating income of $34.36M show growth is flowing through to the bottom line. TTM net income of $23.71M 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: 7.8%
Op. Margin: 7.6%
Net Margin: 5.3%

Op. margin of 7.6% is up 1.2% YoY — cost efficiency is improving. Net margin at 5.3% Across the last 8 quarters, operating margin has risen for 5 consecutive quarters — an improving trend.

Price Ratios

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

P/E Ratio: 9.0x
P/S Ratio: 0.4x
P/B Ratio: 0.7x

At 9.0x P/E, the stock trades below typical market levels. P/S of 0.4x 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 up 4% — an improving trend.

Assets & Liabilities

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

Total Assets: $4.83B
Cash: $5.15M
Long-Term Debt: $225.47M
Book Value: $324.49M
D/E Ratio: 0.7
Debt/EBITDA: 21.8

With $4.83B in assets and $225.47M in long-term debt, D/E is 0.7and book value is $324.49M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 17% — a weakening trend.

Cash Flow

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

Op. Cash Flow: $94.64M
TTM Free Cash Flow: $358.83M
FCF Margin: 75.5%
FCF / Net Income: 15.1

TTM FCF of $358.83M on $94.64M in operating cash flow. The FCF / Net Income ratio of 15.1x 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.