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 Undervalued zone, suggesting that its current forward PE ratio of 5.74 is considered Undervalued compared with the five-year average of 8.34. The fair price of Consumer Portfolio Services Inc (CPSS) is between 8.17 to 15.81 according to relative valuation methord. Compared to the current price of 8.01 USD , Consumer Portfolio Services Inc is Undervalued By 1.93%.
Relative Value
Fair Zone
8.17-15.81
Current Price：8.01
1.93%
Undervalued
5.74
PE
1Y
3Y
5Y
Trailing
Forward
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.
0.39
PS
Consumer Portfolio Services Inc. (CPSS) has a current PS of 0.39. The 5-year average PS is 0.56. The thresholds are as follows: Strongly Undervalued below 0.19, Undervalued between 0.19 and 0.38, Fairly Valued between 0.75 and 0.38, Overvalued between 0.75 and 0.94, and Strongly Overvalued above 0.94. The current Forward PS of 0.39 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 0.59. Compared to its 3-year average P/B ratio of 0.77 , the current P/B ratio is approximately -23.55% higher. Relative to its 5-year average P/B ratio of 0.85, the current P/B ratio is about -31.04% higher. Consumer Portfolio Services Inc (CPSS) has a Forward Free Cash Flow (FCF) yield of approximately 142.29%. Compared to its 3-year average FCF yield of 111.64%, the current FCF yield is approximately 27.45% lower. Relative to its 5-year average FCF yield of 138.21% , the current FCF yield is about 2.95% lower.
0.59
P/B
Median3y
0.77
Median5y
0.85
142.29
FCF Yield
Median3y
111.64
Median5y
138.21
Competitors Valuation Multiple
The average P/S ratio for CPSS's competitors is 1.50, providing a benchmark for relative valuation. Consumer Portfolio Services Inc Corp (CPSS) exhibits a P/S ratio of 0.39, which is -73.74% above the industry average. Given its robust revenue growth of 14.48%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
CPSS.O
Consumer Portfolio Services Inc
0.39
Average P/S: 1.50
14.48%
178.02M
SWKH.O
SWK Holdings Corp
Loss
-12.90%
172.61M
MRT.A
Marti Technologies Inc
5.62
190.61M
PMTS.O
CPI Card Group Inc
0.31
9.20%
176.98M
BETR.O
Better Home & Finance Holding Co
1.15
20.92%
254.07M
SNFCA.O
Security National Financial Corp
Loss
5.47%
220.07M
Performance Decomposition
1Y
3Y
5Y
Market capitalization of CPSS decreased by 2.91% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 95.88M to 109.76M.
The secondary factor is the P/E Change, contributed -7.12%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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FAQ
Is Consumer Portfolio Services Inc (CPSS) currently overvalued or undervalued?
Consumer Portfolio Services Inc (CPSS) is now in the Undervalued zone, suggesting that its current forward PE ratio of 5.74 is considered Undervalued compared with the five-year average of 8.34. The fair price of Consumer Portfolio Services Inc (CPSS) is between 8.17 to 15.81 according to relative valuation methord. Compared to the current price of 8.01 USD , Consumer Portfolio Services Inc is Undervalued By 1.93% .
What is Consumer Portfolio Services Inc (CPSS) fair value?
How does CPSS's valuation metrics compare to the industry average?
What is the current P/B ratio for Consumer Portfolio Services Inc (CPSS) as of Aug 18 2025?
What is the current FCF Yield for Consumer Portfolio Services Inc (CPSS) as of Aug 18 2025?
What is the current Forward P/E ratio for Consumer Portfolio Services Inc (CPSS) as of Aug 18 2025?