Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. More Details
Proven track record and fair value.
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 is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 14% a week.
Volatility Over Time: CPSS's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of US stocks.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: CPSS exceeded the US Consumer Finance industry which returned -5.7% over the past year.
Return vs Market: CPSS matched the US Market which returned 19.8% over the past year.
Long-Term 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
2 months ago | Simply Wall StDoes Consumer Portfolio Services' (NASDAQ:CPSS) CEO Salary Compare Well With The Performance Of The Company?
2 months ago | Simply Wall StConsumer Portfolio Services, Inc. (NASDAQ:CPSS) Insiders Have Been Selling
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 ($4.03) is trading above our estimate of fair value ($2.19)
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 (5.2x) compared to the US Consumer Finance industry average (12.1x).
PE vs Market: CPSS is good value based on its PE Ratio (5.2x) compared to the US market (19.7x).
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 (0.7x) compared to the US Consumer Finance industry average (1.2x).
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 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 (6.5% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: CPSS's revenue (6.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CPSS's Return on Equity is forecast to be low in 3 years time (11.1%).
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 (10%) are higher than last year (7.1%).
Past Earnings Growth Analysis
Earnings Trend: CPSS's earnings have declined by 29% per year over the past 5 years.
Accelerating Growth: CPSS's earnings growth over the past year (64.6%) exceeds its 5-year average (-29% per year).
Earnings vs Industry: CPSS earnings growth over the past year (64.6%) exceeded the Consumer Finance industry -24.5%.
Return on Equity
High ROE: CPSS's Return on Equity (13.7%) is considered low.
How is Consumer Portfolio Services's financial position?
Financial Position Analysis
Short Term Liabilities: CPSS's short term assets ($2.2B) exceed its short term liabilities ($35.2M).
Long Term Liabilities: CPSS's short term assets ($2.2B) exceed its long term liabilities ($2.1B).
Debt to Equity History and Analysis
Debt Level: CPSS's debt to equity ratio (1656.9%) is considered high.
Reducing Debt: CPSS's debt to equity ratio has increased from 1271.3% to 1656.9% over the past 5 years.
Debt Coverage: CPSS's debt is not well covered by operating cash flow (11.1%).
Interest Coverage: Insufficient data to determine if CPSS's interest payments on its debt are well covered by EBIT.
What is Consumer Portfolio Services's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CPSS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CPSS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CPSS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CPSS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CPSS's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Charles Bradley (60 yo)
Mr. Charles E. Bradley, Jr. has been the President and a Director of Consumer Portfolio Services, Inc. (the “Company”) since its formation in March 1991, Chairman of the Board of Directors since July 2001 ...
CEO Compensation Analysis
Compensation vs Market: Charles's total compensation ($USD3.93M) is above average for companies of similar size in the US market ($USD561.31K).
Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||14.58yrs||US$744.77k||1.24% |
|COO, Executive VP & Chief Legal Officer||1.75yrs||US$972.77k||1.28% |
|Senior Vice President of Originations||13.58yrs||US$763.34k||1.34% |
|Senior Vice President of Servicing||7.25yrs||US$757.34k||0.60% |
|Senior VP of Accounting & Controller||3.67yrs||no data||0.70% |
|Senior Vice President of Marketing||6.67yrs||no data||0.57% |
|Senior Vice President of Program Development||19.42yrs||US$747.60k||1.38% |
|Senior Vice President of Risk Management||17.83yrs||US$536.72k||0.068% |
|Senior VP||no data||US$327.49k||1.81% |
Experienced Management: CPSS's management team is seasoned and experienced (13.6 years average tenure).
|Independent Director||29.67yrs||US$101.82k||3.33% |
|Independent Director||19.33yrs||US$120.81k||0.74% |
|Independent Director||14.25yrs||US$120.82k||0.12% |
|Independent Director||13.42yrs||US$120.82k||1.57% |
|Independent Director||13.25yrs||US$112.82k||0.50% |
|Independent Director||1.08yrs||US$10.33k||0.017% |
Experienced Board: CPSS's board of directors are seasoned and experienced ( 14.3 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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
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$90.712m
- Shares outstanding: 22.57m
- Website: https://www.consumerportfolio.com
Number of Employees
- Consumer Portfolio Services, Inc.
- PO Box 57071
- 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 ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/28 00:08|
|End of Day Share Price||2020/11/27 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.