CPSS Relative Valuation
CPSS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CPSS is overvalued; if below, it's undervalued.
Historical Valuation
Consumer Portfolio Services Inc (CPSS) is now in the Fair zone, suggesting that its current forward PE ratio of 7.09 is considered Fairly compared with the five-year average of 8.50. The fair price of Consumer Portfolio Services Inc (CPSS) is between 7.50 to 14.20 according to relative valuation methord.
Relative Value
Fair Zone
7.50-14.20
Current Price：9.04
Fair
7.09
PE
1Y
3Y
5Y
0.00
EV/EBITDA
Consumer Portfolio Services Inc. (CPSS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Consumer Portfolio Services Inc. (CPSS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.43
PS
Consumer Portfolio Services Inc. (CPSS) has a current PS of 0.43. The 5-year average PS is 0.57. The thresholds are as follows: Strongly Undervalued below 0.21, Undervalued between 0.21 and 0.39, Fairly Valued between 0.75 and 0.39, Overvalued between 0.75 and 0.93, and Strongly Overvalued above 0.93. The current Forward PS of 0.43 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Consumer Portfolio Services Inc. (CPSS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Consumer Portfolio Services Inc. (CPSS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Consumer Portfolio Services Inc (CPSS) has a current Price-to-Book (P/B) ratio of 0.66. Compared to its 3-year average P/B ratio of 0.74 , the current P/B ratio is approximately -10.48% higher. Relative to its 5-year average P/B ratio of 0.85, the current P/B ratio is about -22.05% higher. Consumer Portfolio Services Inc (CPSS) has a Forward Free Cash Flow (FCF) yield of approximately 138.61%. Compared to its 3-year average FCF yield of 115.36%, the current FCF yield is approximately 20.15% lower. Relative to its 5-year average FCF yield of 128.09% , the current FCF yield is about 8.21% lower.
0.66
P/B
Median3y
0.74
Median5y
0.85
138.61
FCF Yield
Median3y
115.36
Median5y
128.09
Competitors Valuation Multiple
The average P/S ratio for CPSS's competitors is 1.17, providing a benchmark for relative valuation. Consumer Portfolio Services Inc Corp (CPSS) exhibits a P/S ratio of 0.43, which is -63.15% above the industry average. Given its robust revenue growth of 7.80%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of CPSS decreased by 23.78% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 100.58M to 108.42M.
The secondary factor is the Margin Expansion, contributed -6.08%to the performance.
Overall, the performance of CPSS in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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Frequently Asked Questions
Is Consumer Portfolio Services Inc (CPSS) currently overvalued or undervalued?
Consumer Portfolio Services Inc (CPSS) is now in the Fair zone, suggesting that its current forward PE ratio of 7.09 is considered Fairly compared with the five-year average of 8.50. The fair price of Consumer Portfolio Services Inc (CPSS) is between 7.50 to 14.20 according to relative valuation methord.
What is Consumer Portfolio Services Inc (CPSS) fair value?
CPSS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Consumer Portfolio Services Inc (CPSS) is between 7.50 to 14.20 according to relative valuation methord.
How does CPSS's valuation metrics compare to the industry average?
The average P/S ratio for CPSS's competitors is 1.17, providing a benchmark for relative valuation. Consumer Portfolio Services Inc Corp (CPSS) exhibits a P/S ratio of 0.43, which is -63.15% above the industry average. Given its robust revenue growth of 7.80%, this premium appears unsustainable.
What is the current P/B ratio for Consumer Portfolio Services Inc (CPSS) as of Jan 08 2026?
As of Jan 08 2026, Consumer Portfolio Services Inc (CPSS) has a P/B ratio of 0.66. This indicates that the market values CPSS at 0.66 times its book value.
What is the current FCF Yield for Consumer Portfolio Services Inc (CPSS) as of Jan 08 2026?
As of Jan 08 2026, Consumer Portfolio Services Inc (CPSS) has a FCF Yield of 138.61%. This means that for every dollar of Consumer Portfolio Services Inc’s market capitalization, the company generates 138.61 cents in free cash flow.
What is the current Forward P/E ratio for Consumer Portfolio Services Inc (CPSS) as of Jan 08 2026?
As of Jan 08 2026, Consumer Portfolio Services Inc (CPSS) has a Forward P/E ratio of 7.09. This means the market is willing to pay $7.09 for every dollar of Consumer Portfolio Services Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Consumer Portfolio Services Inc (CPSS) as of Jan 08 2026?
As of Jan 08 2026, Consumer Portfolio Services Inc (CPSS) has a Forward P/S ratio of 0.43. This means the market is valuing CPSS at $0.43 for every dollar of expected revenue over the next 12 months.