Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States.
Consumer Portfolio Services Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$5.80|
|52 Week High||US$3.17|
|52 Week Low||US$6.00|
|1 Month Change||1.40%|
|3 Month Change||25.27%|
|1 Year Change||75.23%|
|3 Year Change||58.90%|
|5 Year Change||29.75%|
|Change since IPO||120.95%|
Recent News & Updates
|CPSS||US Consumer Finance||US Market|
Return vs Industry: CPSS underperformed the US Consumer Finance industry which returned 91.1% over the past year.
Return vs Market: CPSS exceeded the US Market which returned 36.2% over the past year.
Stable Share Price: CPSS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: CPSS's weekly volatility (8%) has been stable over the past year.
About the Company
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 or past credit problems.
Consumer Portfolio Services Fundamentals Summary
|CPSS fundamental statistics|
Is CPSS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CPSS income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.00|
|Net Profit Margin||12.58%|
How did CPSS perform over the long term?See historical performance and comparison
Is Consumer Portfolio Services undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CPSS ($5.8) is trading above our estimate of fair value ($5.07)
Significantly Below Fair Value: CPSS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CPSS is good value based on its PE Ratio (5.8x) compared to the US Consumer Finance industry average (7.9x).
PE vs Market: CPSS is good value based on its PE Ratio (5.8x) compared to the US market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: CPSS's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CPSS is good value based on its PB Ratio (0.9x) compared to the US Consumer Finance industry average (1.6x).
How is Consumer Portfolio Services forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CPSS's earnings are forecast to decline over the next 3 years (-9.4% per year).
Earnings vs Market: CPSS's earnings are forecast to decline over the next 3 years (-9.4% per year).
High Growth Earnings: CPSS's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CPSS's revenue (25% per year) is forecast to grow faster than the US market (9.8% per year).
High Growth Revenue: CPSS's revenue (25% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CPSS's Return on Equity is forecast to be high in 3 years time
How has Consumer Portfolio Services performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CPSS has high quality earnings.
Growing Profit Margin: CPSS's current net profit margins (12.6%) are higher than last year (9.2%).
Past Earnings Growth Analysis
Earnings Trend: CPSS's earnings have declined by 11.9% per year over the past 5 years.
Accelerating Growth: CPSS's earnings growth over the past year (45.8%) exceeds its 5-year average (-11.9% per year).
Earnings vs Industry: CPSS earnings growth over the past year (45.8%) underperformed the Consumer Finance industry 126.5%.
Return on Equity
High ROE: CPSS's Return on Equity (15.3%) is considered low.
How is Consumer Portfolio Services's financial position?
Financial Position Analysis
Short Term Liabilities: CPSS's short term assets ($2.1B) exceed its short term liabilities ($45.6M).
Long Term Liabilities: CPSS's short term assets ($2.1B) exceed its long term liabilities ($1.9B).
Debt to Equity History and Analysis
Debt Level: CPSS's debt to equity ratio (1281.4%) is considered high.
Reducing Debt: CPSS's debt to equity ratio has increased from 1246.7% to 1281.4% over the past 5 years.
Debt Coverage: CPSS's debt is not well covered by operating cash flow (11.7%).
Interest Coverage: Insufficient data to determine if CPSS's interest payments on its debt are well covered by EBIT.
What is Consumer Portfolio Services's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CPSS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CPSS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CPSS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CPSS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CPSS's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Charles Bradley (61 yo)
Mr. Charles E. Bradley, Jr. has been the President and Director of Consumer Portfolio Services, Inc. since its formation in March 1991, Chairman of the Board of Directors since July 2001 and Chief Executiv...
CEO Compensation Analysis
Compensation vs Market: Charles's total compensation ($USD3.91M) is above average for companies of similar size in the US market ($USD551.14K).
Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.
Experienced Management: CPSS's management team is seasoned and experienced (6.3 years average tenure).
Experienced Board: CPSS's board of directors are seasoned and experienced ( 15.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Consumer Portfolio Services, Inc.'s employee growth, exchange listings and data sources
- Name: Consumer Portfolio Services, Inc.
- Ticker: CPSS
- Exchange: NasdaqGM
- Founded: 1991
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$131.926m
- Shares outstanding: 22.94m
- Website: https://www.consumerportfolio.com
Number of Employees
- Consumer Portfolio Services, Inc.
- 3800 Howard Hughes Parkway
- Suite 1400
- Las Vegas
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/23 22:57|
|End of Day Share Price||2021/09/23 00:00|
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.