Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States.
Good value with reasonable growth potential.
Share Price & News
How has Consumer Portfolio Services's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CPSS has not had significant price volatility in the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: CPSS underperformed the US Consumer Finance industry which returned 9.1% over the past year.
Return vs Market: CPSS underperformed the US Market which returned 14% over the past year.
Price Volatility Vs. Market
How volatile is Consumer Portfolio Services's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StVolatility 101: Should Consumer Portfolio Services (NASDAQ:CPSS) Shares Have Dropped 43%?
2 months ago | Simply Wall StShould You Worry About Consumer Portfolio Services, Inc.'s (NASDAQ:CPSS) CEO Salary Level?
2 months ago | Simply Wall StDoes The Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Share Price Tend To Follow The Market?
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 ($3.82) is trading above our estimate of fair value ($3.59)
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 (8x) compared to the Consumer Finance industry average (8.6x).
PE vs Market: CPSS is good value based on its PE Ratio (8x) compared to the US market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: CPSS is good value based on its PEG Ratio (0.1x)
Price to Book Ratio
PB vs Industry: CPSS is good value based on its PB Ratio (0.4x) compared to the US Consumer Finance industry average (1.1x).
How is Consumer Portfolio Services forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CPSS's forecast earnings growth (85.8% per year) is above the savings rate (1.7%).
Earnings vs Market: CPSS's earnings (85.8% per year) are forecast to grow faster than the US market (13.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CPSS's revenue (12.8% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: CPSS's revenue (12.8% per year) is forecast to grow slower 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 became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: CPSS's earnings have declined by -29.4% per year over the past 5 years.
Accelerating Growth: CPSS has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: CPSS has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (8.6%).
Return on Equity
High ROE: CPSS's Return on Equity (5.3%) is considered low.
Return on Assets
Return on Capital Employed
How is Consumer Portfolio Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: CPSS has a low level of unsold assets or inventory.
Debt Coverage by Assets: CPSS's debt is covered by short term assets (assets are 1.1x debt).
Financial Institutions Analysis
Asset Level: CPSS's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if CPSS has a sufficient allowance for bad loans.
Low Risk Liabilities: CPSS reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if CPSS has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CPSS has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if CPSS has an appropriate level of bad loans.
What is Consumer Portfolio Services's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate CPSS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate CPSS's dividend yield against the top 25% of dividend payers, as the company has not reported any 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 (59yo)
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 ...
CEO Compensation Analysis
Compensation vs Market: Charles's total compensation ($USD4.02M) is above average for companies of similar size in the US market ($USD522.62K).
Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||13.8yrs||US$961.70k||1.24% $1.1m|
|COO, Executive VP & Chief Legal Officer||1yrs||US$1.02m||1.3% $1.1m|
|Senior Vice President of Originations||12.8yrs||US$788.00k||1.23% $1.1m|
|Senior Vice President of Servicing||6.5yrs||US$768.00k||0.49% $423.3k|
|Senior VP of Accounting & Controller||2.9yrs||no data||0.65% $559.6k|
|Senior Vice President of Marketing||5.9yrs||no data||0.52% $449.8k|
|Senior Vice President of Program Development||18.7yrs||US$747.60k||no data|
|Senior Vice President of Risk Management||17.1yrs||US$536.72k||0.13% $114.1k|
|Senior VP||0yrs||US$354.15k||no data|
Experienced Management: CPSS's management team is seasoned and experienced (12.8 years average tenure).
|Independent Director||28.9yrs||US$97.50k||3.33% $2.9m|
|Independent Director||18.6yrs||US$130.50k||0.74% $634.8k|
|Independent Director||13.5yrs||US$130.00k||0.099% $85.3k|
|Independent Director||12.7yrs||US$132.00k||1.53% $1.3m|
|Independent Director||12.5yrs||US$136.00k||0.50% $428.7k|
|Director||0.3yrs||no data||no data|
Experienced Board: CPSS's board of directors are seasoned and experienced ( 13.5 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 been diluted in the past year, with total shares outstanding growing by 3%.
Consumer Portfolio Services, Inc.'s company bio, 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$86.068m
- Shares outstanding: 22.53m
- Website: https://www.consumerportfolio.com
Number of Employees
- Consumer Portfolio Services, Inc.
- 19500 Jamboree Road
- Suite 500
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CPSS||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Oct 1992|
|FC8||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Oct 1992|
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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/25 00:25|
|End of Day Share Price||2020/02/24 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.