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Consumer Portfolio Services, Inc. (CPSS)

Stock Price: $3.28 USD -0.01 (-0.30%)
Updated Aug 14, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 74.47M
Revenue (ttm) 170.80M
Net Income (ttm) 15.63M
Shares Out 22.70M
EPS (ttm) 0.65
PE Ratio 5.05
Forward PE 2.48
Dividend n/a
Dividend Yield n/a

Stock Quote

Trading Day Aug 14, 2020
Last Price $3.28
Previous Close $3.29
Change ($) -0.01
Change (%) -0.30%
Day's Open 3.27
Day's Range 3.27 - 3.31
Day's Volume 1,745
52-Week Range 1.00 - 4.30

More Stats

Market Cap 74.47M
Enterprise Value 2.09B
Earnings Date (est) Oct 14, 2020
Ex-Dividend Date n/a
Shares Outstanding 22.70M
Float 14.38M
EPS (basic) 0.69
EPS (diluted) 0.65
FCF / Share 10.26
Dividend n/a
Dividend Yield n/a
Earnings Yield 19.82%
FCF Yield 312.48%
Payout Ratio n/a
Shares Short 841,680
Short Ratio 40.77
Short % of Float 5.48%
Beta 2.82
PE Ratio 5.05
Forward PE 2.48
P/FCF Ratio 0.32
PS Ratio 0.44
PB Ratio 0.60
Revenue 170.80M
Operating Income 168.52M
Net Income 15.63M
Free Cash Flow 232.71M
Net Cash -2.02B
Net Cash / Share -88.89
Gross Margin 86.71%
Operating Margin 98.67%
Profit Margin 5.10%
FCF Margin 136.25%
ROA 0.64%
ROE 9.60%
ROIC n/a
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$3.17*
(-3.35% downside)
Low
2.00
Current: $3.28
High
4.00
Target: 3.17
*Average 12-month price target from 3 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue346390434422364300256187143155
Revenue Growth-11.28%-10.27%2.87%16.12%21.11%17.39%36.63%30.79%-7.77%-
Gross Profit265310361357304250213152111121
Operating Income20525331130826221117212284.1095.30
Net Income5.4114.863.7729.3034.6829.5221.0169.41-14.46-33.18
Shares Outstanding22.4221.9922.6924.3625.9425.0421.5419.4719.0117.48
Earnings Per Share0.220.590.141.011.100.920.672.72-0.76-1.90
EPS Growth-62.71%321.43%-86.14%-8.18%19.57%37.31%-75.37%---
Operating Cash Flow21721621619618813699.3734.9910.8042.93
Capital Expenditures-0.75-1.08-0.67-1.08-1.19-0.82-0.48-0.39-0.40-0.28
Free Cash Flow21621521519518613598.9034.6010.3942.64
Cash & Equivalents141130125127125193154117169140
Total Debt2,2902,2572,2122,1991,9381,6841,277959876718
Net Cash / Debt-2,149-2,127-2,087-2,073-1,813-1,491-1,123-841-707-578
Assets2,5392,4862,4252,4102,1291,8331,3961,038890742
Liabilities2,3372,2892,2412,2241,9681,7061,302976904740
Book Value20319718418616112794.6061.31-14.212.42
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Consumer Portfolio Services, Inc.
Country United States
Employees 834
CEO Charles E. Bradley

Stock Information

Ticker Symbol CPSS
Stock Exchange NASDAQ
Sector Financial Services
Industry Credit Services
Unique Identifier NASDAQ: CPSS
IPO Date October 22, 1992

Description

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 independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who might not be able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was founded in 1991 and is headquartered in Irvine, California.