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CPSS

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Valuation Metrics

The current forward P/E ratio for Consumer Portfolio Services Inc (CPSS.O) is 6.72, compared to its 5-year average forward P/E of 8.45. For a more detailed relative valuation and DCF analysis to assess Consumer Portfolio Services Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
8.45
Current PE
6.72
Overvalued PE
11.77
Undervalued PE
5.13

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.57
Current PS
0.00
Overvalued PS
0.75
Undervalued PS
0.39
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Financial AI Agent

Financials

Annual
Quarterly
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Operating Profit
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Net Income after Tax
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EPS - Diluted
N/A
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FCF Margin - %
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Net Margin - %
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ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
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Intellectia AI SwingMax

CPSS News & Events

Events Timeline

(ET)
2025-05-08
08:39:08
Consumer Portfolio deploys AI-powered servicing platform from Salient
select
2024-11-04 (ET)
2024-11-04
07:33:33
Consumer Portfolio partners with SeniLink to enhance fraud prevention
select
2024-10-07 (ET)
2024-10-07
08:37:44
Consumer Portfolio integrates Informed.IQ's Dealer Verify into loan origination
select
Sign Up For More Events
Sign Up For More Events

News

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9.5
11-11NASDAQ.COM
Consumer Portfolio Services Inc. Reports Q3 Profit Below Expectations

  • Earnings Report: Consumer Portfolio Services Inc. (CPSS) reported third-quarter earnings of $4.85 million, or $0.20 per share, which matched last year's figures but fell short of analysts' expectations of $0.30 per share.

  • Revenue Growth: The company's revenue increased by 7.8% to $108.42 million compared to $100.58 million in the same quarter last year.

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9.5
11-11Newsfilter
CPS Reports Earnings for the Third Quarter of 2025

  • Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $108.4 million for Q3 2025, a 7.8% increase from $100.6 million in Q3 2024, with pretax income rising to $7.0 million from $6.9 million in the prior year.

  • Contract Purchases: The company purchased $391.1 million in new contracts during the quarter, contributing to a total of $1.275 billion for the first nine months of 2025, up from $1.224 billion in the same period of 2024.

  • Delinquency and Charge-off Rates: Annualized net charge-offs increased to 8.01% of the average portfolio in Q3 2025, compared to 7.32% in Q3 2024, while delinquencies greater than 30 days slightly decreased to 13.96% from 14.04%.

  • Future Outlook: CEO Charles E. Bradley expressed satisfaction with the quarterly results, highlighting strong loan origination volumes and operational efficiencies, and announced a conference call to discuss the results further.

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8.5
10-24Newsfilter
CPS Reveals $167.5 Million Credit Facility Closure

  • New Credit Agreement: Consumer Portfolio Services, Inc. closed a new two-year revolving credit agreement on October 17, 2025, secured by automobile receivables.

  • Borrowing Terms: The credit facility allows CPS to borrow on a revolving basis until October 2027, with options for full repayment or amortization afterward.

  • Company Overview: CPS specializes in indirect automobile financing for individuals with credit challenges, purchasing retail installment sales contracts primarily from franchised dealerships.

  • Risks and Forward-Looking Statements: The company acknowledges potential risks that could affect the revolving credit period, including defaults, economic conditions, and regulatory changes.

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FAQ

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What is Consumer Portfolio Services Inc (CPSS) stock price today?

The current price of CPSS is 8.69 USD — it has increased 1.52 % in the last trading day.

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What is Consumer Portfolio Services Inc (CPSS)'s business?

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.

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What is the price predicton of CPSS Stock?

Wall Street analysts forecast CPSS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CPSS is  USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Consumer Portfolio Services Inc (CPSS)'s revenue for the last quarter?

Consumer Portfolio Services Inc revenue for the last quarter amounts to 108.42M USD, increased 7.80 % YoY.

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What is Consumer Portfolio Services Inc (CPSS)'s earnings per share (EPS) for the last quarter?

Consumer Portfolio Services Inc. EPS for the last quarter amounts to 0.20 USD, decreased 0.00 % YoY.

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What changes have occurred in the market's expectations for Consumer Portfolio Services Inc (CPSS)'s fundamentals?

The market is revising No Change the revenue expectations for Consumer Portfolio Services, Inc. (CPSS) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 12.27%.
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How many employees does Consumer Portfolio Services Inc (CPSS). have?

Consumer Portfolio Services Inc (CPSS) has 933 emplpoyees as of December 05 2025.

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What is Consumer Portfolio Services Inc (CPSS) market cap?

Today CPSS has the market capitalization of 191.69M USD.

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