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CPSS

Consumer Portfolio Services NasdaqGM:CPSS Stock Report

Last Price

US$7.18

Market Cap

US$149.8m

7D

-22.9%

1Y

21.7%

Updated

03 Oct, 2022

Data

Company Financials
CPSS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends0/6

CPSS Stock Overview

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States.

Consumer Portfolio Services Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Consumer Portfolio Services
Historical stock prices
Current Share PriceUS$7.18
52 Week HighUS$15.47
52 Week LowUS$5.69
Beta2.27
1 Month Change-36.80%
3 Month Change-29.95%
1 Year Change21.70%
3 Year Change111.18%
5 Year Change54.41%
Change since IPO173.52%

Recent News & Updates

Shareholder Returns

CPSSUS Consumer FinanceUS Market
7D-22.9%2.0%1.0%
1Y21.7%-37.5%-20.0%

Return vs Industry: CPSS exceeded the US Consumer Finance industry which returned -40.3% over the past year.

Return vs Market: CPSS exceeded the US Market which returned -23.2% over the past year.

Price Volatility

Is CPSS's price volatile compared to industry and market?
CPSS volatility
CPSS Average Weekly Movement8.5%
Consumer Finance Industry Average Movement7.7%
Market Average Movement6.8%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.8%

Stable Share Price: CPSS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: CPSS's weekly volatility (9%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1991799Charles Bradleyhttps://www.consumerportfolio.com

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.

Consumer Portfolio Services Fundamentals Summary

How do Consumer Portfolio Services's earnings and revenue compare to its market cap?
CPSS fundamental statistics
Market CapUS$149.78m
Earnings (TTM)US$79.08m
Revenue (TTM)US$248.03m

1.9x

P/E Ratio

0.6x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CPSS income statement (TTM)
RevenueUS$248.03m
Cost of RevenueUS$0
Gross ProfitUS$248.03m
Other ExpensesUS$168.94m
EarningsUS$79.08m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)3.79
Gross Margin100.00%
Net Profit Margin31.88%
Debt/Equity Ratio1,129.5%

How did CPSS perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is CPSS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CPSS?

Other financial metrics that can be useful for relative valuation.

CPSS key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does CPSS's PE Ratio compare to its peers?

CPSS PE Ratio vs Peers
The above table shows the PE ratio for CPSS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average2.4x
MFIN Medallion Financial
2.9xn/aUS$167.3m
OPRT Oportun Financial
2.1x38.1%US$151.1m
XYF X Financial
1.3xn/aUS$130.6m
RM Regional Management
3.4x4.7%US$274.1m
CPSS Consumer Portfolio Services
1.9xn/aUS$149.8m

Price-To-Earnings vs Peers: CPSS is good value based on its Price-To-Earnings Ratio (1.9x) compared to the peer average (2.4x).


Price to Earnings Ratio vs Industry

How does CPSS's PE Ratio compare vs other companies in the US Consumer Finance Industry?

Price-To-Earnings vs Industry: CPSS is good value based on its Price-To-Earnings Ratio (1.9x) compared to the US Consumer Finance industry average (3.7x)


Price to Earnings Ratio vs Fair Ratio

What is CPSS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CPSS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio1.9x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CPSS's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of CPSS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CPSS ($7.18) is trading below our estimate of fair value ($7.4)

Significantly Below Fair Value: CPSS is trading below fair value, but not by a significant amount.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is Consumer Portfolio Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


3.6%

Forecasted Diversified Financials industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Consumer Portfolio Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Examine whether Consumer Portfolio Services is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.

Past Performance

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

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


43.6%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CPSS has high quality earnings.

Growing Profit Margin: CPSS's current net profit margins (31.9%) are higher than last year (12.6%).


Past Earnings Growth Analysis

Earnings Trend: CPSS's earnings have grown significantly by 43.6% per year over the past 5 years.

Accelerating Growth: CPSS's earnings growth over the past year (247%) exceeds its 5-year average (43.6% per year).

Earnings vs Industry: CPSS earnings growth over the past year (247%) exceeded the Consumer Finance industry -6.4%.


Return on Equity

High ROE: Whilst CPSS's Return on Equity (39.88%) is high, this metric is skewed due to their high level of debt.


Discover strong past performing companies

Financial Health

How is Consumer Portfolio Services's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: CPSS's short term assets ($2.5B) exceed its short term liabilities ($58.8M).

Long Term Liabilities: CPSS's short term assets ($2.5B) exceed its long term liabilities ($2.2B).


Debt to Equity History and Analysis

Debt Level: CPSS's net debt to equity ratio (1123.8%) is considered high.

Reducing Debt: CPSS's debt to equity ratio has reduced from 1153.5% to 1129.5% over the past 5 years.

Debt Coverage: CPSS's debt is not well covered by operating cash flow (9.2%).

Interest Coverage: Insufficient data to determine if CPSS's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

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

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Consumer Portfolio Services Dividend Yield vs Market
How does Consumer Portfolio Services dividend yield compare to the market?
SegmentDividend Yield
Company (Consumer Portfolio Services)n/a
Market Bottom 25% (US)1.6%
Market Top 25% (US)4.6%
Industry Average (Consumer Finance)3.0%
Analyst forecast in 3 Years (Consumer Portfolio Services)n/a

Notable Dividend: Unable to evaluate CPSS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CPSS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CPSS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CPSS's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as CPSS has not reported any payouts.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

7.4yrs

Average management tenure


CEO

Charles Bradley (62 yo)

31.58yrs

Tenure

US$4,690,660

Compensation

Mr. Charles E. Bradley, Jr. has been the President and Director of Consumer Portfolio Services, Inc. since March 1, 1991 and is its Chairman of the Board of Directors since July 2001 and is its Chief Execu...


CEO Compensation Analysis

Charles Bradley's Compensation vs Consumer Portfolio Services Earnings
How has Charles Bradley's remuneration changed compared to Consumer Portfolio Services's earnings?
DateTotal Comp.SalaryCompany Earnings
Jun 30 2022n/an/a

US$79m

Mar 31 2022n/an/a

US$63m

Dec 31 2021US$5mUS$995k

US$48m

Sep 30 2021n/an/a

US$33m

Jun 30 2021n/an/a

US$23m

Mar 31 2021n/an/a

US$16m

Dec 31 2020US$4mUS$995k

US$22m

Sep 30 2020n/an/a

US$18m

Jun 30 2020n/an/a

US$16m

Mar 31 2020n/an/a

US$14m

Dec 31 2019US$4mUS$995k

US$5m

Sep 30 2019n/an/a

US$11m

Jun 30 2019n/an/a

US$12m

Mar 31 2019n/an/a

US$13m

Dec 31 2018US$4mUS$995k

US$15m

Sep 30 2018n/an/a

-US$441k

Jun 30 2018n/an/a

US$1m

Mar 31 2018n/an/a

US$2m

Dec 31 2017US$4mUS$995k

US$4m

Sep 30 2017n/an/a

US$21m

Jun 30 2017n/an/a

US$24m

Mar 31 2017n/an/a

US$27m

Dec 31 2016US$4mUS$995k

US$29m

Sep 30 2016n/an/a

US$31m

Jun 30 2016n/an/a

US$32m

Mar 31 2016n/an/a

US$34m

Dec 31 2015US$4mUS$985k

US$35m

Compensation vs Market: Charles's total compensation ($USD4.69M) is above average for companies of similar size in the US market ($USD781.86K).

Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: CPSS's management team is seasoned and experienced (7.4 years average tenure).


Board Members

Experienced Board: CPSS's board of directors are seasoned and experienced ( 15.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: CPSS insiders have only sold shares in the past 3 months.


Recent Insider Transactions

NasdaqGM:CPSS Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
08 Sep 22SellUS$282,500Jeffrey FritzIndividual25,000US$11.30
16 Aug 22SellUS$99,061John HartonIndividual8,082US$14.28
16 Aug 22SellUS$119,930Christopher TerryIndividual8,591US$13.96
08 Aug 22SellUS$360,000Jeffrey FritzIndividual30,000US$12.00
30 Jun 22BuyUS$54,257Black Diamond Capital Management, L.L.C.Company5,312US$10.21
29 Jun 22BuyUS$817,479Black Diamond Capital Management, L.L.C.Company78,455US$10.52
24 Jun 22BuyUS$2,961,277Black Diamond Capital Management, L.L.C.Company284,312US$10.52
17 Jun 22BuyUS$304,188Black Diamond Capital Management, L.L.C.Company29,031US$10.53
14 Jun 22BuyUS$522,519Black Diamond Capital Management, L.L.C.Company50,498US$10.53
13 Jun 22SellUS$260,000Jeffrey FritzIndividual25,000US$10.40
02 Jun 22SellUS$343,750Jeffrey FritzIndividual25,000US$13.75
26 May 22SellUS$332,500Jeffrey FritzIndividual25,000US$13.30
17 May 22SellUS$350,000Jeffrey FritzIndividual25,000US$14.00
13 May 22SellUS$140,060Teri RobinsonIndividual10,000US$14.01
11 May 22SellUS$433,985Teri RobinsonIndividual30,000US$14.76
09 May 22SellUS$150,000Denesh BharwaniIndividual10,000US$15.00
04 May 22SellUS$700,000Jeffrey FritzIndividual50,000US$14.00
04 May 22SellUS$395,000Denesh BharwaniIndividual30,000US$14.00
02 May 22SellUS$236,325Laurie StratenIndividual20,550US$11.50
02 May 22SellUS$354,045Michael LavinIndividual30,000US$11.80
29 Apr 22SellUS$446,815Michael LavinIndividual37,960US$11.87
26 Apr 22SellUS$564,416Teri RobinsonIndividual49,034US$11.54
25 Apr 22SellUS$280,065Jeffrey FritzIndividual25,000US$11.29
21 Apr 22SellUS$11,601Teri RobinsonIndividual966US$12.07
21 Apr 22SellUS$12,891Michael LavinIndividual1,051US$12.27
07 Apr 22BuyUS$53,075Black Diamond Capital Management, L.L.C.Company4,831US$11.00
05 Apr 22BuyUS$298,176Black Diamond Capital Management, L.L.C.Company27,684US$10.83
16 Mar 22SellUS$275,075Jeffrey FritzIndividual25,000US$11.01
16 Mar 22SellUS$431,500Laurie StratenIndividual40,000US$10.80
16 Mar 22SellUS$976,686Charles BradleyIndividual90,000US$10.93
14 Mar 22SellUS$764,763Charles BradleyIndividual70,000US$11.15
09 Mar 22SellUS$751,849Michael LavinIndividual65,000US$11.62
08 Mar 22SellUS$119,000Laurie StratenIndividual10,000US$11.90
07 Mar 22BuyUS$681,158Black Diamond Capital Management, L.L.C.Company60,877US$11.34
04 Mar 22BuyUS$16,350William GroundsIndividual1,500US$10.90
02 Mar 22SellUS$238,131Teri RobinsonIndividual20,707US$11.50
28 Feb 22SellUS$51,516Teri RobinsonIndividual4,293US$12.00
25 Feb 22SellUS$572,788Jeffrey FritzIndividual50,000US$11.50
22 Feb 22BuyUS$187,936Black Diamond Capital Management, L.L.C.Company17,451US$10.78
15 Feb 22BuyUS$48,294Black Diamond Capital Management, L.L.C.Company4,480US$10.78
14 Feb 22BuyUS$3,043,343Black Diamond Capital Management, L.L.C.Company298,623US$10.75
04 Feb 22BuyUS$79,362Black Diamond Capital Management, L.L.C.Company7,362US$10.78
27 Jan 22BuyUS$196,678Black Diamond Capital Management, L.L.C.Company18,277US$10.78
25 Jan 22BuyUS$865,750Black Diamond Capital Management, L.L.C.Company83,621US$10.44
20 Jan 22BuyUS$385,288Black Diamond Capital Management, L.L.C.Company36,246US$10.63
18 Jan 22BuyUS$255,559Black Diamond Capital Management, L.L.C.Company24,043US$10.63
18 Jan 22BuyUS$514,998Black Diamond Capital Management, L.L.C.Company48,605US$10.63
13 Jan 22BuyUS$260,047Black Diamond Capital Management, L.L.C.Company24,562US$10.61
28 Dec 21BuyUS$166,238Black Diamond Capital Management, L.L.C.Company17,523US$9.49
17 Nov 21BuyUS$16,860Louis GrassoIndividual2,000US$8.43
12 Nov 21SellUS$56,462Mark CreaturaIndividual6,994US$8.28
11 Nov 21SellUS$48Mark CreaturaIndividual6US$7.99

Ownership Breakdown

What is the ownership structure of CPSS?
Owner TypeNumber of SharesOwnership Percentage
General Public3,000,18814.4%
VC/PE Firms5,127,16524.6%
Institutions5,910,40428.3%
Individual Insiders6,822,57132.7%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Top 25 shareholders own 82.07% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
24.58%
Black Diamond Capital Management, L.L.C.
5,127,165$36.8m0%14.32%
16.97%
Charles Bradley
3,540,335$25.4m5.47%no data
8.26%
Dimensional Fund Advisors LP
1,723,039$12.4m1.87%no data
4.91%
BlackRock, Inc.
1,023,488$7.3m97.39%no data
4.31%
William Roberts
900,078$6.5m0%no data
3.04%
The Vanguard Group, Inc.
634,506$4.6m0.12%no data
2.63%
Renaissance Technologies LLC
549,658$3.9m18.93%0.01%
2.53%
Bridgeway Capital Management, LLC
526,854$3.8m-2.52%0.09%
1.62%
Mark Creatura
338,616$2.4m0%no data
1.61%
Teri Robinson
335,614$2.4m4.35%no data
1.55%
Gregory Washer
323,803$2.3m0%no data
1.27%
Michael Lavin
264,162$1.9m14.48%no data
1.06%
Geode Capital Management, LLC
222,077$1.6m85.46%no data
0.97%
John Harton
202,138$1.5m-3.84%no data
0.88%
Denesh Bharwani
184,561$1.3m-13.55%no data
0.85%
State Street Global Advisors, Inc.
176,451$1.3m302.33%no data
0.8%
Daniel Wood
167,017$1.2m0%no data
0.62%
Chris Adams
128,745$924.4k14.73%no data
0.55%
Laurie Straten
114,961$825.4k0.45%no data
0.54%
Northern Trust Global Investments
113,503$815.0k412.11%no data
0.54%
Jeffrey Fritz
113,437$814.5k-32.65%no data
0.53%
BNY Mellon Asset Management
109,763$788.1k33.84%no data
0.51%
Christopher Terry
106,308$763.3k-7.48%no data
0.49%
RBC Global Asset Management Inc.
101,383$727.9k0%no data
0.45%
EAM Investors, LLC
92,997$667.7k-36.95%0.16%

Company Information

Consumer Portfolio Services, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Consumer Portfolio Services, Inc.
  • Ticker: CPSS
  • Exchange: NasdaqGM
  • Founded: 1991
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: US$149.777m
  • Shares outstanding: 20.86m
  • Website: https://www.consumerportfolio.com

Number of Employees


Location

  • Consumer Portfolio Services, Inc.
  • 3800 Howard Hughes Parkway
  • Suite 1400
  • Las Vegas
  • Nevada
  • 89169
  • United States


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CPSSNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDOct 1992
FC8DB (Deutsche Boerse AG)YesCommon StockDEEUROct 1992

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/10/03 00:00
End of Day Share Price2022/10/03 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


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.