Consumer Portfolio Services Inc CPSS

FinancialsBanking ServicesUnited States of America

Last close 10.01 USD on Nov 2, 2026, +7.3% year to date

Quant rating

Quant rating D Rank 644 of 799 in Financials

Growth D 609 of 799
Valuation A 101 of 799
Quality D 715 of 799
Revisions D 617 of 799
Momentum B 277 of 799

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 219M
Enterprise value: 4.2B
52-week range: 7.46 – 10.48
3-year range: 7.28 – 12.44
Dividend yield: –
Beta (5 years): 1.13
Shares outstanding: 21.9M
Next earnings: –

About the company

Consumer Portfolio Services, Inc. is a specialty finance company. Its business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. It serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. It also originates vehicle purchase money loans by lending directly to consumers. It offers over eight different financing programs and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha, Preferred, and Meta.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	428	373	340	314	272	–
Revenue growth	14.9%	9.6%	8.1%	15.5%	−9.5%	7.3%
EPS (basic, normalized)	0.88	0.90	2.17	4.10	2.11	–
EPS growth	−2.1%	−58.4%	−47.1%	94.8%	54.4%	−8.3%
Gross margin	45.8%	48.7%	56.9%	72.2%	72.4%	59.2%
Net margin	4.5%	5.2%	13.3%	27.3%	17.5%	13.6%
ROE	–	–	–	–	–	–

Balance sheet, last quarter
Cash & short-term investments (mil)	5.1
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	4,009
Net debt (mil)	4,002
Total equity (mil)	324
Net debt / equity	12.33x

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	428	+14.9%	9.9x	14.17	+17.9%	0.7x	0.80	+1.3%	12.5x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	–	–	–	–	–	–	–	–
2027	–	–	–	–	–	–	–	–
2028	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	FQ-9	FQ-8	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	FQ-1	FQ0
Sales reported (mil)	–	–	101	105	107	110	108	109	–	–
Sales mean (mil)	–	–	98.3	102	110	110	111	111	–	–
Surprise	–	–	+2.3%	+2.9%	−2.8%	+0.1%	−2.8%	−1.1%	–	–
EPS reported	–	–	0.20	0.21	0.19	0.20	0.20	0.21	–	–
EPS mean	–	–	0.21	0.27	0.30	0.26	0.25	0.23	–	–
Surprise	–	–	−4.8%	−22.2%	−36.7%	−23.1%	−20.0%	−8.7%	–	–

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
CPSS Consumer Portfolio Services Inc	219M	–	4.5%	–	–	–	–	–
CACC Credit Acceptance Corp	4.9B	–	18.3%	–	10.0x	9.5x	18.3x	17.2x
NNI Nelnet, Inc.	4.4B	–	21.2%	–	16.8x	14.6x	–	–
ACMUY Acom Co Ltd	4.4B	–	23.6%	–	–	–	–	–
ENVA Enova International, Inc.	4.3B	–	16.8%	–	10.1x	8.2x	2.5x	1.9x
SLM SLM Corp	3.3B	11.2%	27.8%	1.04x	8.9x	6.0x	1.5x	1.3x
Mean		11.2%	18.7%	1.04x	11.4x	9.6x	7.4x	6.8x
Median		11.2%	19.8%	1.04x	10.1x	8.8x	2.5x	1.9x

Technical analysis

1M+10.1%
3M+7.4%
1Y+19.2%
3Y+3.4%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Consumer Portfolio Services Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	428	373	340	314	272	301
Total interest expense	–	–	–	–	–	–
Net interest income	428	373	340	314	272	301
Loan loss provision	–	–	–	–	–	–
Net interest income after loan loss provision	–	–	–	–	–	–
Non-interest income	–	–	–	–	–	–
Non-interest expense	–	–	–	–	–	–
Net income before taxes	28.0	27.4	61.1	116	65.7	20.1
Provision for taxes	8.7	8.2	15.8	30.2	18.2	−1.6
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	19.3	19.2	45.3	86.0	47.5	21.7
Extraordinary items	–	–	–	–	–	–
Net income	19.3	19.2	45.3	86.0	47.5	21.7
Basic weighted average shares (mil)	21.9	21.3	20.9	21.0	22.6	22.6
Diluted weighted average shares (mil)	24.1	24.3	25.2	26.6	25.8	24.0
Basic EPS excluding extraordinary items	0.88	0.90	2.17	4.10	2.11	0.96
Basic EPS, normalized	0.88	0.90	2.17	4.10	2.11	1.36

Balance sheet in millions of USD, fiscal years

Balance sheet, Consumer Portfolio Services Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	–	–	–	–	–	–
Other earning assets	–	–	–	–	–	–
Net loans	–	–	–	–	–	–
Property, plant & equipment	17.7	20.4	4.3	7.4	9.3	11.8
Goodwill	–	–	–	–	–	–
Intangibles	–	–	–	–	–	–
Long-term investments	–	–	–	–	–	–
Other long-term assets	166	127	123	159	166	159
Other assets	11.9	16.3	22.9	24.5	26.6	21.4
Total assets	3,858	3,494	2,904	2,753	2,160	2,146
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	45.6	48.4	59.2	49.0	33.5	28.8
Accrued expenses	19.2	21.5	3.2	6.2	9.1	12.1
Total deposits	–	–	–	–	–	–
Other bearing liabilities	–	–	–	–	–	–
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	3,484	3,131	2,567	2,469	1,947	1,972
Minority interest	–	–	–	–	–	–
Other liabilities	0	0	0	0	0	0
Total liabilities	3,549	3,201	2,629	2,524	1,989	2,013
Shareholders' equity
Preferred stock	0	0	–	0	0	0
Common stock	24.4	25.7	28.7	28.9	55.3	72.9
Additional paid-in capital	–	–	–	–	–	–
Retained earnings (accumulated deficit)	286	267	248	203	117	69.0
Treasury stock	–	–	–	–	–	–
Other equity	−1.3	0	−1.9	−3.0	−1.6	−8.6
Total equity	310	293	275	228	170	133
Total liabilities & shareholders' equity	3,858	3,494	2,904	2,753	2,160	2,146

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Consumer Portfolio Services Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	19.3	19.2	45.3	86.0	47.5	21.7
Depreciation, depletion & amortization	0.9	0.9	0.8	1.6	1.7	1.8
Deferred taxes	1.0	2.7	6.4	9.4	8.9	21.5
Non-cash items	267	212	172	104	134	189
Changes in working capital	0.8	−0.6	13.0	14.5	6.4	5.2
Cash from operations	289	234	238	216	198	239
Investing activities
Capital expenditures	−0.7	−0.4	−0.6	−2.1	−2.0	0
Other investing cash flows	−589	−769	−359	−712	−113	93.1
Cash from investing	−590	−770	−360	−714	−115	93.0
Financing activities
Financing cash flow items	−12.5	−15.9	−7.9	−12.3	−7.8	−5.9
Cash dividends paid	–	–	–	–	–	–
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	348	564	92.1	497	−42.6	−323
Cash from financing	336	548	84.2	484	−50.4	−328
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	34.8	12.0	−37.4	−13.8	32.4	3.3
Free cash flow	288	233	237	214	196	239

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.