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CPSS

Consumer Portfolio ServicesNasdaqGM:CPSS Stock Report

Market Cap

US$131.9m

7D

1.6%

1Y

75.2%

Updated

23 Sep, 2021

Data

Company Financials +
CPSS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance3/6
Financial Health2/6
Dividends0/6

CPSS Overview

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

Consumer Portfolio Services Competitors

FirstCash

NasdaqGS:FCFS

US$3.5b

World Acceptance

NasdaqGS:WRLD

US$1.2b

Regional Management

NYSE:RM

US$606.8m

Price History & Performance

Summary of all time highs, changes and price drops for Consumer Portfolio Services
Historical stock prices
Current Share PriceUS$5.80
52 Week HighUS$3.17
52 Week LowUS$6.00
Beta2.59
1 Month Change1.40%
3 Month Change25.27%
1 Year Change75.23%
3 Year Change58.90%
5 Year Change29.75%
Change since IPO120.95%

Recent News & Updates

Shareholder Returns

CPSSUS Consumer FinanceUS Market
7D1.6%2.1%-1.7%
1Y75.2%91.1%36.2%

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.

Price Volatility

Is CPSS's price volatile compared to industry and market?
CPSS volatility
CPSS Beta2.59
Industry Beta1.5
Market Beta1

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

FoundedEmployeesCEOWebsite
1991761Charles Bradleyhttps://www.consumerportfolio.com

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

How do Consumer Portfolio Services's earnings and revenue compare to its market cap?
CPSS fundamental statistics
Market CapUS$131.93m
Earnings (TTM)US$22.79m
Revenue (TTM)US$181.12m

5.8x

P/E Ratio

0.7x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CPSS income statement (TTM)
RevenueUS$181.12m
Cost of RevenueUS$0
Gross ProfitUS$181.12m
ExpensesUS$158.33m
EarningsUS$22.79m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.00
Gross Margin100.00%
Net Profit Margin12.58%
Debt/Equity Ratio1,281.4%

How did CPSS perform over the long term?

See historical performance and comparison

Valuation

Is Consumer Portfolio Services undervalued compared to its fair value and its price relative to the market?

5.84x

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).


Future Growth

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

-9.4%

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


Past Performance

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

-11.9%

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.


Financial Health

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.


Balance Sheet


Dividend

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.


Next Steps

Management

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

6.3yrs

Average management tenure


CEO

Charles Bradley (61 yo)

29.67yrs

Tenure

US$3,914,056

Compensation

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.


Leadership Team

Experienced Management: CPSS's management team is seasoned and experienced (6.3 years average tenure).


Board Members

Experienced Board: CPSS's board of directors are seasoned and experienced ( 15.1 years average tenure).


Ownership

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

Ownership Breakdown

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


Top Shareholders

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
  • Market Cap: US$131.926m
  • Shares outstanding: 22.94m
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/23 22:57
End of Day Share Price2021/09/23 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.