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Consumer Portfolio Services

Nasdaq:CPSS
Snowflake Description

Very undervalued with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CPSS
Nasdaq
$85M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. The last earnings update was 9 days ago. More info.


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CPSS Share Price and Events
7 Day Returns
-12.9%
NasdaqGM:CPSS
-1%
US Consumer Finance
0.4%
US Market
1 Year Returns
1.9%
NasdaqGM:CPSS
0.3%
US Consumer Finance
3.5%
US Market
CPSS Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Consumer Portfolio Services (CPSS) -12.9% -8.1% 21.1% 1.9% -8.1% -43%
US Consumer Finance -1% 0.9% 19.2% 0.3% 49.8% 20.8%
US Market 0.4% 1.6% 16.4% 3.5% 39.4% 44%
1 Year Return vs Industry and Market
  • CPSS outperformed the Consumer Finance industry which returned 0.3% over the past year.
  • CPSS underperformed the Market in United States of America which returned 3.5% over the past year.
Price Volatility
CPSS
Industry
5yr Volatility vs Market

CPSS Value

 Is Consumer Portfolio Services undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Consumer Portfolio Services to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Consumer Portfolio Services.

NasdaqGM:CPSS Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $9.41 * 12.7%
$1.20
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $9.41
Discount Rate (Cost of Equity) See below 14.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:CPSS
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.68
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.677 (1 + (1- 21%) (2653.56%))
10.295
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (2 * 5.96%)
14.65%

Discounted Cash Flow Calculation for NasdaqGM:CPSS using Excess Returns Model Model

The calculations below outline how an intrinsic value for Consumer Portfolio Services is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:CPSS Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (12.7% – 14.65%) * $9.41)
$-0.18
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.18 / (14.65% - 2.73%)
$-1.51
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $9.41 + $-1.51
$7.9
NasdaqGM:CPSS Discount to Share Price
Calculation Result
Value per share (USD) From above. $7.90
Current discount Discount to share price of $3.84
= -1 x ($3.84 - $7.90) / $7.90
51.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Consumer Portfolio Services is available for.
Intrinsic value
>50%
Share price is $3.84 vs Future cash flow value of $7.9
Current Discount Checks
For Consumer Portfolio Services to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Consumer Portfolio Services's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Consumer Portfolio Services's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Consumer Portfolio Services's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Consumer Portfolio Services's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:CPSS PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $0.68
NasdaqGM:CPSS Share Price ** NasdaqGM (2019-03-22) in USD $3.84
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.15x
United States of America Market PE Ratio Median Figure of 3,058 Publicly-Listed Companies 17.52x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Consumer Portfolio Services.

NasdaqGM:CPSS PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:CPSS Share Price ÷ EPS (both in USD)

= 3.84 ÷ 0.68

5.68x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Consumer Portfolio Services is good value based on earnings compared to the US Consumer Finance industry average.
  • Consumer Portfolio Services is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Consumer Portfolio Services's expected growth come at a high price?
Raw Data
NasdaqGM:CPSS PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 5.68x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
11.5%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 24 Publicly-Listed Consumer Finance Companies 0.57x
United States of America Market PEG Ratio Median Figure of 2,103 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

NasdaqGM:CPSS PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 5.68x ÷ 11.5%

0.5x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Consumer Portfolio Services is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Consumer Portfolio Services's assets?
Raw Data
NasdaqGM:CPSS PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $8.79
NasdaqGM:CPSS Share Price * NasdaqGM (2019-03-22) in USD $3.84
United States of America Consumer Finance Industry PB Ratio Median Figure of 41 Publicly-Listed Consumer Finance Companies 1.44x
United States of America Market PB Ratio Median Figure of 5,157 Publicly-Listed Companies 1.88x
NasdaqGM:CPSS PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:CPSS Share Price ÷ Book Value per Share (both in USD)

= 3.84 ÷ 8.79

0.44x

* Primary Listing of Consumer Portfolio Services.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Consumer Portfolio Services is good value based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Consumer Portfolio Services's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Consumer Portfolio Services has a total score of 6/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

CPSS Future Performance

 How is Consumer Portfolio Services expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
11.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Consumer Portfolio Services expected to grow at an attractive rate?
  • Consumer Portfolio Services's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Consumer Portfolio Services's earnings growth is positive but not above the United States of America market average.
  • Consumer Portfolio Services's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:CPSS Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:CPSS Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 11.5%
NasdaqGM:CPSS Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 32.1%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 3.8%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13.1%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:CPSS Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:CPSS Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 336 19 1
2019-12-31 358 16 3
NasdaqGM:CPSS Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 154 216 15
2018-09-30 154 206 0
2018-06-30 155 202 1
2018-03-31 155 217 2
2017-12-31 154 216 4
2017-09-30 157 205 21
2017-06-30 159 198 24
2017-03-31 162 198 27
2016-12-31 162 196 29
2016-09-30 162 209 31
2016-06-30 163 212 32
2016-03-31 161 198 34

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Consumer Portfolio Services's earnings are expected to grow by 11.5% yearly, however this is not considered high growth (20% yearly).
  • Consumer Portfolio Services's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:CPSS Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Consumer Portfolio Services Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:CPSS Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 0.75 0.75 0.75 1.00
2019-12-31 0.67 0.71 0.63 2.00
NasdaqGM:CPSS Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 0.68
2018-09-30 -0.02
2018-06-30 0.05
2018-03-31 0.11
2017-12-31 0.17
2017-09-30 0.91
2017-06-30 1.01
2017-03-31 1.11
2016-12-31 1.20
2016-09-30 1.24
2016-06-30 1.27
2016-03-31 1.30

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Consumer Portfolio Services is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Consumer Portfolio Services's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Consumer Portfolio Services has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

CPSS Past Performance

  How has Consumer Portfolio Services performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Consumer Portfolio Services's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Consumer Portfolio Services's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • Consumer Portfolio Services's 1-year earnings growth exceeds its 5-year average (294.7% vs -21.2%)
  • Consumer Portfolio Services's earnings growth has exceeded the US Consumer Finance industry average in the past year (294.7% vs 32.4%).
Earnings and Revenue History
Consumer Portfolio Services's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Consumer Portfolio Services Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:CPSS Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 154.09 14.86 135.53
2018-09-30 154.18 -0.44 132.24
2018-06-30 155.05 1.03 129.82
2018-03-31 154.58 2.43 126.19
2017-12-31 153.90 3.77 122.32
2017-09-30 157.08 21.18 121.11
2017-06-30 159.50 23.87 119.34
2017-03-31 162.03 26.57 117.49
2016-12-31 162.25 29.30 113.39
2016-09-30 162.13 30.80 110.44
2016-06-30 162.67 32.30 107.65
2016-03-31 160.75 33.56 103.02
2015-12-31 161.59 34.68 101.27
2015-09-30 158.04 33.72 98.80
2015-06-30 153.97 32.66 96.49
2015-03-31 149.28 31.14 94.42
2014-12-31 140.99 29.52 88.96
2014-09-30 130.94 28.03 83.50
2014-06-30 123.53 26.13 79.24
2014-03-31 117.19 23.93 77.87
2013-12-31 109.41 21.01 75.28
2013-09-30 101.71 79.31 72.64
2013-06-30 90.53 76.17 69.34
2013-03-31 79.44 72.68 64.28
2012-12-31 73.67 69.41 64.56
2012-09-30 68.82 4.82 64.11
2012-06-30 60.68 -1.96 62.75
2012-03-31 51.56 -9.74 61.45

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Consumer Portfolio Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Consumer Portfolio Services used its assets less efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Consumer Portfolio Services improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Consumer Portfolio Services's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Consumer Portfolio Services has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

CPSS Health

 How is Consumer Portfolio Services's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Consumer Portfolio Services's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Consumer Portfolio Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Consumer Portfolio Services's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Consumer Portfolio Services's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Consumer Portfolio Services Company Filings, last reported 2 months ago.

NasdaqGM:CPSS Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 197.12 2,256.87 12.79
2018-09-30 192.31 2,217.94 10.54
2018-06-30 189.62 2,223.74 17.44
2018-03-31 187.32 2,218.08 11.57
2017-12-31 183.94 2,212.19 12.73
2017-09-30 194.70 2,226.43 12.04
2017-06-30 193.25 2,229.34 15.81
2017-03-31 189.67 2,217.60 12.07
2016-12-31 186.22 2,199.21 13.94
2016-09-30 179.17 2,176.30 11.49
2016-06-30 171.97 2,144.44 15.75
2016-03-31 166.69 2,050.38 16.19
2015-12-31 161.16 1,938.26 19.32
2015-09-30 155.26 1,976.28 20.92
2015-06-30 145.94 1,863.60 18.44
2015-03-31 137.02 1,746.77 20.20
2014-12-31 127.25 1,684.15 17.86
2014-09-30 121.50 1,560.54 13.14
2014-06-30 111.70 1,405.12 14.43
2014-03-31 103.43 1,331.65 14.57
2013-12-31 94.60 1,276.93 22.11
2013-09-30 81.69 1,218.01 24.13
2013-06-30 73.01 1,122.36 18.58
2013-03-31 66.98 1,056.86 13.87
2012-12-31 61.31 958.88 12.97
2012-09-30 -7.46 908.27 10.47
2012-06-30 -10.71 889.49 10.24
2012-03-31 -12.58 854.06 10.61
  • Consumer Portfolio Services's level of debt (1144.9%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (1349% vs 1144.9% today).
  • Debt is not well covered by operating cash flow (9.6%, less than 20% of total debt).
  • Unable to confirm if the interest payments on Consumer Portfolio Services's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Consumer Portfolio Services's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Consumer Portfolio Services has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

CPSS Dividends

 What is Consumer Portfolio Services's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Consumer Portfolio Services dividends.
If you bought $2,000 of Consumer Portfolio Services shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Consumer Portfolio Services's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Consumer Portfolio Services's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:CPSS Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 1.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2006 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:CPSS Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Consumer Portfolio Services has not reported any payouts.
  • Unable to verify if Consumer Portfolio Services's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Consumer Portfolio Services's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Consumer Portfolio Services has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Consumer Portfolio Services's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Consumer Portfolio Services afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Consumer Portfolio Services has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

CPSS Management

 What is the CEO of Consumer Portfolio Services's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Charles Bradley
COMPENSATION $4,247,600
AGE 58
TENURE AS CEO 27.2 years
CEO Bio

Mr. Charles E. Bradley, Jr. has been the President and a Director of Consumer Portfolio Services, Inc. (the “Company”) since its formation in March 1991, Chairman of the Board of Directors since July 2001 and Chief Executive Officer since January 1992. Mr. Bradley has in-depth knowledge of Consumer Portfolio Services business and industry and has demonstrated ability to formulate and implement strategic initiatives. Mr. Bradley is continuously involved in developing and implementing Consumer Portfolio Services strategies, working closely with the company’s other senior executives to seek continued disciplined growth and excellence in operations. From April 1989 to November 1990, he served as Chief Operating Officer of Barnard and Company, a private investment firm. From September 1987 to March 1989, Mr. Bradley was an Associate of The Harding Group, a private investment banking firm.

CEO Compensation
  • Charles's compensation has been consistent with company performance over the past year.
  • Charles's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Consumer Portfolio Services management team in years:

12.4
Average Tenure
54
Average Age
  • The average tenure for the Consumer Portfolio Services management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Charles Bradley

TITLE
Chairman
COMPENSATION
$4M
AGE
58
TENURE
27.2 yrs

Jeffrey Fritz

TITLE
Executive VP & CFO
COMPENSATION
$949K
AGE
58
TENURE
12.9 yrs

Michael Lavin

TITLE
COO, Executive VP & Chief Legal Officer
COMPENSATION
$1M
AGE
45
TENURE
0.1 yrs

Teri Robinson

TITLE
Senior Vice President of Originations
COMPENSATION
$790K
AGE
55
TENURE
11.9 yrs

Laurie Straten

TITLE
Senior Vice President of Servicing
COMPENSATION
$782K
AGE
49
TENURE
5.6 yrs

Danny Bharwani

TITLE
Senior VP of Accounting & Controller
AGE
50
TENURE
2 yrs

John Harton

TITLE
Senior Vice President of Marketing
AGE
53
TENURE
5 yrs

Curtis Powell

TITLE
Senior Vice President of Program Development
COMPENSATION
$748K
AGE
61
TENURE
17.8 yrs

Mark Creatura

TITLE
Senior VP
COMPENSATION
$354K
AGE
58
TENURE
22.4 yrs

Chris Terry

TITLE
Senior Vice President of Risk Management
COMPENSATION
$537K
AGE
50
TENURE
16.2 yrs
Board of Directors Tenure

Average tenure and age of the Consumer Portfolio Services board of directors in years:

15.1
Average Tenure
58.5
Average Age
  • The average tenure for the Consumer Portfolio Services board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Charles Bradley

TITLE
Chairman
COMPENSATION
$4M
AGE
58
TENURE
17.7 yrs

Daniel Wood

TITLE
Director
COMPENSATION
$124K
AGE
59
TENURE
17.7 yrs

Brian Rayhill

TITLE
Director
COMPENSATION
$124K
AGE
55
TENURE
12.6 yrs

Chris Adams

TITLE
Director
COMPENSATION
$116K
AGE
69
TENURE
11.6 yrs

William Roberts

TITLE
Director
COMPENSATION
$105K
AGE
80
TENURE
28 yrs

Gregory Washer

TITLE
Director
COMPENSATION
$112K
AGE
56
TENURE
11.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
17. Dec 18 Sell Gregory Washer Individual 13. Dec 18 14. Dec 18 -23,631 $3.43 $-80,689
X
Management checks
We assess Consumer Portfolio Services's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Consumer Portfolio Services has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

CPSS News

Simply Wall St News

Investors Who Bought Consumer Portfolio Services Shares Five Years Ago Are Now Down 48%

(NASDAQ:CPSS) share price has gained 18% in the last three months. … After all, the share price is down 48% in that time, significantly under-performing the market. … Looking back five years, both Consumer Portfolio Services's share price and EPS declined; the latter at a rate of 7.1% per year.

Simply Wall St -

Is Now The Time To Look At Buying Consumer Portfolio Services, Inc. (NASDAQ:CPSS)?

Consumer Portfolio Services, Inc. … led the NASDAQGM gainers with a relatively large price hike in the past couple of weeks. … Let’s examine Consumer Portfolio Services’s valuation and outlook in more detail to determine if there’s still a bargain opportunity

Simply Wall St -

Does The Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Share Price Fall With The Market?

(NASDAQ:CPSS), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … The first thing to understand about beta is that the beta of the overall market is one.

Simply Wall St -

Does Consumer Portfolio Services Inc's (NASDAQ:CPSS) CEO Salary Compare Well With Others?

Charles Bradley became the CEO of Consumer Portfolio Services Inc (NASDAQ:CPSS) in 1992. … At the time of writing our data says that Consumer Portfolio Services Inc has a market cap of US$82m, and is paying total annual CEO compensation of US$4m. … Thus we can conclude that Charles Bradley receives more in total compensation than the median of a group of companies in the same market, and of similar size to Consumer Portfolio Services Inc

Simply Wall St -

Consumer Portfolio Services Inc (NASDAQ:CPSS): Risks You Need To Consider Before Buying

The other type of risk, which cannot be diversified away, is market risk. … Every stock in the market is exposed to this risk, which arises from macroeconomic factors such as economic growth and geo-political tussles just to name a few. … A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one.

Simply Wall St -

Is Consumer Portfolio Services Inc (NASDAQ:CPSS) Attractive At This PE Ratio?

I am writing today to help inform people who are new to the stock market. … Consumer Portfolio Services Inc (NASDAQ:CPSS) is currently trading at a trailing P/E of 36.2x, which is higher than the industry average of 14.5x. … While CPSS might seem like a stock to avoid or sell if you own it, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions

Simply Wall St -

Should You Buy Consumer Portfolio Services Inc (NASDAQ:CPSS) Now?

Consumer Portfolio Services Inc (NASDAQ:CPSS), a consumer finance company based in United States,. … Let’s examine Consumer Portfolio Services’s valuation and outlook in more detail to determine if there’s still a bargain opportunity? … View out our latest analysis for Consumer Portfolio Services?

Simply Wall St -

May Top Growth Companies

Companies such as Consumer Portfolio Services and Tetraphase Pharmaceuticals are deemed high-growth by the market, with a positive outlook in all areas – returns, profitability and cash flows. … TTPH’s projected future profit growth is a robust 43.51%, with an underlying triple-digit growth from its revenues expected over the upcoming years. … NasdaqGS:TBK Future Profit May 28th 18 For more financially robust companies with high growth potential to enhance your portfolio, explore this interactive list of fast growing companies.

Simply Wall St -

Should You Be Concerned About Consumer Portfolio Services Inc's (NASDAQ:CPSS) -31.24% Earnings Decline?

After reading Consumer Portfolio Services Inc's (NASDAQ:CPSS) most recent earnings announcement (30 September 2017), I found it useful to look back at how the company has performed in the past and compare this against the latest numbers. … View our latest analysis for Consumer Portfolio Services Was CPSS's recent earnings decline indicative of a tough track record? … Revenue growth in the last few years, has been positive, however, earnings growth has been lagging behind meaning Consumer Portfolio Services has been ramping up its expenses by a lot more.

Simply Wall St -

Consumer Portfolio Services Inc (NASDAQ:CPSS)Is Undervalued By 43%

NasdaqGM:CPSS Intrinsic Value Dec 23rd 17 Deriving CPSS's Intrinsic Value The main belief for Excess Returns is that equity value is how much the firm can earn, over and above its cost of equity, given the level of equity it has in the company at the moment. … The returns above the cost of equity is known as excess returns: Excess Return Per Share = (Stable Return On Equity – Cost Of Equity) (Book Value Of Equity Per Share) = (11.33% – 11.92%) * $8.9 = $-0.05 We use this value to calculate the terminal value of the company, which is how much we expect the company to continue to earn every year, forever. … This is a common component of discounted cash flow models: Terminal Value Per Share = Excess Return Per Share / (Cost of Equity – Expected Growth Rate) = $-0.05 / (11.92% – 2.47%) = $-0.49 These factors are combined to calculate the true value of CPSS's stock: Value Per Share = Book Value of Equity Per Share + Terminal Value Per Share = $8.9 + $-0.49 = $7.44 Relative to today's price of $4.26, CPSS is currently priced below its intrinsic value.

Simply Wall St -

CPSS Company Info

Description

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It purchases and services 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, low incomes, or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who might not be 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; and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. Consumer Portfolio Services, Inc. services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is headquartered in Irvine, California.

Details
Name: Consumer Portfolio Services, Inc.
CPSS
Exchange: NasdaqGM
Founded: 1991
$85,050,570
22,148,586
Website: http://www.consumerportfolio.com
Address: Consumer Portfolio Services, Inc.
PO Box 57071,
Irvine,
California, 92619,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM CPSS Common Stock Nasdaq Global Market US USD 22. Oct 1992
DB FC8 Common Stock Deutsche Boerse AG DE EUR 22. Oct 1992
Number of employees
Current staff
Staff numbers
1,032
Consumer Portfolio Services employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/22 23:34
End of day share price update: 2019/03/22 00:00
Last estimates confirmation: 2019/02/14
Last earnings filing: 2019/03/13
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.