Consumer Portfolio Services

Digitalization And Improved Underwriting Will Advance Auto Financing

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

28 Sep 24

Updated

01 May 25

Views

n/a

AnalystConsensusTarget's Fair Value

n/a

-8.5%

4.0%

-8.5%

4.0%

You can edit this narrative until May 12 5:53 AM. Then, changes will post as Updates.

Author's Valuation

US$1536.2% undervalued

AnalystConsensusTarget Fair Value

Narrative

Updates8

Shared on 01 May 25

Fair value Decreased 15%

Shared on 23 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

Fair value Increased 1.21%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Increased 0.58%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 11 Mar 25

Fair value Increased 15%

AnalystConsensusTarget has decreased revenue growth from 76.1% to 62.4%, decreased profit margin from 21.9% to 13.8% and increased future PE multiple from 2.8x to 5.0x.

AnalystConsensusTarget Fair Value

US$15

36.2% undervalued

Future estimation in

Growth p.a.

Decrease

Increase

Current revenue growth rate

47.47%

Consumer Finance revenue growth rate

0.71%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

12.50%

Calculation

US$85.42m

Earnings '28

5.97x

PE Ratio '28

US$510.12m

Market Cap '28

US$510.12m

Market Cap '28

24.87m

No. shares '28

US$20.51

Share Price '28

US$20.51 Share Price '28

Discounted to 2025 @ 12.32% p.a.

US$14.47

Fair Value '25