CPSS Stock Overview
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$7.18|
|52 Week High||US$15.47|
|52 Week Low||US$5.69|
|1 Month Change||-36.80%|
|3 Month Change||-29.95%|
|1 Year Change||21.70%|
|3 Year Change||111.18%|
|5 Year Change||54.41%|
|Change since IPO||173.52%|
Recent News & Updates
|CPSS||US Consumer Finance||US Market|
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.
|CPSS Average Weekly Movement||8.5%|
|Consumer Finance Industry Average Movement||7.7%|
|Market Average Movement||6.8%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.8%|
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
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
|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, 2022
Next Earnings Date
|Earnings per share (EPS)||3.79|
|Net Profit Margin||31.88%|
How did CPSS perform over the long term?See historical performance and comparison
Is CPSS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is CPSS's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CPSS's PE Ratio compare to its peers?
|CPSS PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MFIN Medallion Financial
OPRT Oportun Financial
XYF X Financial
RM Regional Management
CPSS Consumer Portfolio Services
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.
|Current PE Ratio||1.9x|
|Fair PE Ratio||n/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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How is Consumer Portfolio Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- 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.
How has Consumer Portfolio Services performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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
How is Consumer Portfolio Services's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
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.
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What is Consumer Portfolio Services's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
|Consumer Portfolio Services Dividend Yield vs Market|
|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.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Charles Bradley (62 yo)
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|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||US$5m||US$995k|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||US$4m||US$995k|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||US$4m||US$995k|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||US$4m||US$995k|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||n/a||n/a|
|Mar 31 2018||n/a||n/a|
|Dec 31 2017||US$4m||US$995k|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||n/a||n/a|
|Mar 31 2017||n/a||n/a|
|Dec 31 2016||US$4m||US$995k|
|Sep 30 2016||n/a||n/a|
|Jun 30 2016||n/a||n/a|
|Mar 31 2016||n/a||n/a|
|Dec 31 2015||US$4m||US$985k|
Compensation vs Market: Charles's total compensation ($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.
Experienced Management: CPSS's management team is seasoned and experienced (7.4 years average tenure).
Experienced Board: CPSS's board of directors are seasoned and experienced ( 15.3 years average tenure).
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
|08 Sep 22||SellUS$282,500||Jeffrey Fritz||Individual||25,000||US$11.30|
|16 Aug 22||SellUS$99,061||John Harton||Individual||8,082||US$14.28|
|16 Aug 22||SellUS$119,930||Christopher Terry||Individual||8,591||US$13.96|
|08 Aug 22||SellUS$360,000||Jeffrey Fritz||Individual||30,000||US$12.00|
|30 Jun 22||BuyUS$54,257||Black Diamond Capital Management, L.L.C.||Company||5,312||US$10.21|
|29 Jun 22||BuyUS$817,479||Black Diamond Capital Management, L.L.C.||Company||78,455||US$10.52|
|24 Jun 22||BuyUS$2,961,277||Black Diamond Capital Management, L.L.C.||Company||284,312||US$10.52|
|17 Jun 22||BuyUS$304,188||Black Diamond Capital Management, L.L.C.||Company||29,031||US$10.53|
|14 Jun 22||BuyUS$522,519||Black Diamond Capital Management, L.L.C.||Company||50,498||US$10.53|
|13 Jun 22||SellUS$260,000||Jeffrey Fritz||Individual||25,000||US$10.40|
|02 Jun 22||SellUS$343,750||Jeffrey Fritz||Individual||25,000||US$13.75|
|26 May 22||SellUS$332,500||Jeffrey Fritz||Individual||25,000||US$13.30|
|17 May 22||SellUS$350,000||Jeffrey Fritz||Individual||25,000||US$14.00|
|13 May 22||SellUS$140,060||Teri Robinson||Individual||10,000||US$14.01|
|11 May 22||SellUS$433,985||Teri Robinson||Individual||30,000||US$14.76|
|09 May 22||SellUS$150,000||Denesh Bharwani||Individual||10,000||US$15.00|
|04 May 22||SellUS$700,000||Jeffrey Fritz||Individual||50,000||US$14.00|
|04 May 22||SellUS$395,000||Denesh Bharwani||Individual||30,000||US$14.00|
|02 May 22||SellUS$236,325||Laurie Straten||Individual||20,550||US$11.50|
|02 May 22||SellUS$354,045||Michael Lavin||Individual||30,000||US$11.80|
|29 Apr 22||SellUS$446,815||Michael Lavin||Individual||37,960||US$11.87|
|26 Apr 22||SellUS$564,416||Teri Robinson||Individual||49,034||US$11.54|
|25 Apr 22||SellUS$280,065||Jeffrey Fritz||Individual||25,000||US$11.29|
|21 Apr 22||SellUS$11,601||Teri Robinson||Individual||966||US$12.07|
|21 Apr 22||SellUS$12,891||Michael Lavin||Individual||1,051||US$12.27|
|07 Apr 22||BuyUS$53,075||Black Diamond Capital Management, L.L.C.||Company||4,831||US$11.00|
|05 Apr 22||BuyUS$298,176||Black Diamond Capital Management, L.L.C.||Company||27,684||US$10.83|
|16 Mar 22||SellUS$275,075||Jeffrey Fritz||Individual||25,000||US$11.01|
|16 Mar 22||SellUS$431,500||Laurie Straten||Individual||40,000||US$10.80|
|16 Mar 22||SellUS$976,686||Charles Bradley||Individual||90,000||US$10.93|
|14 Mar 22||SellUS$764,763||Charles Bradley||Individual||70,000||US$11.15|
|09 Mar 22||SellUS$751,849||Michael Lavin||Individual||65,000||US$11.62|
|08 Mar 22||SellUS$119,000||Laurie Straten||Individual||10,000||US$11.90|
|07 Mar 22||BuyUS$681,158||Black Diamond Capital Management, L.L.C.||Company||60,877||US$11.34|
|04 Mar 22||BuyUS$16,350||William Grounds||Individual||1,500||US$10.90|
|02 Mar 22||SellUS$238,131||Teri Robinson||Individual||20,707||US$11.50|
|28 Feb 22||SellUS$51,516||Teri Robinson||Individual||4,293||US$12.00|
|25 Feb 22||SellUS$572,788||Jeffrey Fritz||Individual||50,000||US$11.50|
|22 Feb 22||BuyUS$187,936||Black Diamond Capital Management, L.L.C.||Company||17,451||US$10.78|
|15 Feb 22||BuyUS$48,294||Black Diamond Capital Management, L.L.C.||Company||4,480||US$10.78|
|14 Feb 22||BuyUS$3,043,343||Black Diamond Capital Management, L.L.C.||Company||298,623||US$10.75|
|04 Feb 22||BuyUS$79,362||Black Diamond Capital Management, L.L.C.||Company||7,362||US$10.78|
|27 Jan 22||BuyUS$196,678||Black Diamond Capital Management, L.L.C.||Company||18,277||US$10.78|
|25 Jan 22||BuyUS$865,750||Black Diamond Capital Management, L.L.C.||Company||83,621||US$10.44|
|20 Jan 22||BuyUS$385,288||Black Diamond Capital Management, L.L.C.||Company||36,246||US$10.63|
|18 Jan 22||BuyUS$255,559||Black Diamond Capital Management, L.L.C.||Company||24,043||US$10.63|
|18 Jan 22||BuyUS$514,998||Black Diamond Capital Management, L.L.C.||Company||48,605||US$10.63|
|13 Jan 22||BuyUS$260,047||Black Diamond Capital Management, L.L.C.||Company||24,562||US$10.61|
|28 Dec 21||BuyUS$166,238||Black Diamond Capital Management, L.L.C.||Company||17,523||US$9.49|
|17 Nov 21||BuyUS$16,860||Louis Grasso||Individual||2,000||US$8.43|
|12 Nov 21||SellUS$56,462||Mark Creatura||Individual||6,994||US$8.28|
|11 Nov 21||SellUS$48||Mark Creatura||Individual||6||US$7.99|
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
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
- Implied Market Cap: US$149.777m
- Shares outstanding: 20.86m
- Website: https://www.consumerportfolio.com
Number of Employees
- Consumer Portfolio Services, Inc.
- 3800 Howard Hughes Parkway
- Suite 1400
- Las Vegas
- 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|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/03 00:00|
|End of Day Share Price||2022/10/03 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.