Consumer Portfolio Services, Inc. (CPSS)
NASDAQ: CPSS · Real-Time Price · USD
9.32
+0.14 (1.53%)
Aug 6, 2026, 11:32 AM EDT - Market open

CPSS Statistics

Total Valuation

CPSS has a market cap or net worth of $202.23 million. The enterprise value is $4.20 billion.

Market Cap202.23M
Enterprise Value 4.20B

Important Dates

The last earnings date was Tuesday, August 4, 2026, after market close.

Earnings Date Aug 4, 2026
Ex-Dividend Date n/a

Share Statistics

CPSS has 21.70 million shares outstanding. The number of shares has decreased by -2.17% in one year.

Current Share Class 21.70M
Shares Outstanding 21.70M
Shares Change (YoY) -2.17%
Shares Change (QoQ) -0.21%
Owned by Insiders (%) 34.90%
Owned by Institutions (%) 22.30%
Float 9.00M

Valuation Ratios

The trailing PE ratio is 10.09.

PE Ratio 10.09
Forward PE n/a
PS Ratio 0.95
Forward PS n/a
PB Ratio 0.62
P/TBV Ratio 0.63
P/FCF Ratio 0.68
P/OCF Ratio 0.68
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 194.51
EV / Sales 19.85
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 14.11

Financial Position

The company has a current ratio of 5.67, with a Debt / Equity ratio of 12.56.

Current Ratio 5.67
Quick Ratio 5.45
Debt / Equity 12.56
Debt / EBITDA n/a
Debt / FCF 13.46
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 6.94% and return on invested capital (ROIC) is 0.52%.

Return on Equity (ROE) 6.94%
Return on Assets (ROA) 0.53%
Return on Invested Capital (ROIC) 0.52%
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 0.50%
Revenue Per Employee $221,520
Profits Per Employee $22,601
Employee Count956
Asset Turnover 0.05
Inventory Turnover n/a

Taxes

In the past 12 months, CPSS has paid $9.71 million in taxes.

Income Tax 9.71M
Effective Tax Rate 30.99%

Stock Price Statistics

The stock price has increased by +11.68% in the last 52 weeks. The beta is 1.11, so CPSS's price volatility has been higher than the market average.

Beta (5Y) 1.11
52-Week Price Change +11.68%
50-Day Moving Average 9.45
200-Day Moving Average 8.81
Relative Strength Index (RSI) 45.62
Average Volume (20 Days) 19,997

Short Selling Information

The latest short interest is 137,261, so 0.63% of the outstanding shares have been sold short.

Short Interest 137,261
Short Previous Month 129,434
Short % of Shares Out 0.63%
Short % of Float 1.53%
Short Ratio (days to cover) 4.88

Income Statement

In the last 12 months, CPSS had revenue of $211.77 million and earned $21.61 million in profits. Earnings per share was $0.91.

Revenue211.77M
Gross Profit 211.77M
Operating Income 31.31M
Pretax Income 31.31M
Net Income 21.61M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $0.91
Full Income Statement

Balance Sheet

The company has $7.50 million in cash and $4.01 billion in debt, with a net cash position of -$4.00 billion or -$184.38 per share.

Cash & Cash Equivalents 7.50M
Total Debt 4.01B
Net Cash -4.00B
Net Cash Per Share -$184.38
Equity (Book Value) 319.25M
Book Value Per Share 14.76
Working Capital 3.62B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $298.91 million and capital expenditures -$1.03 million, giving a free cash flow of $297.88 million.

Operating Cash Flow 298.91M
Capital Expenditures -1.03M
Depreciation & Amortization n/a
Net Borrowing 367.10M
Free Cash Flow 297.88M
FCF Per Share $13.73
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 14.79% and 10.20%.

Gross Margin 100.00%
Operating Margin 14.79%
Pretax Margin 14.79%
Profit Margin 10.20%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 146.96%

Dividends & Yields

CPSS does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield 2.17%
Shareholder Yield 2.17%
Earnings Yield 10.70%
FCF Yield 147.46%

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 15, 1996. It was a forward split with a ratio of 2:1.

Last Split Date Mar 15, 1996
Split Type Forward
Split Ratio 2:1

Scores

Altman Z-Score n/a
Piotroski F-Score 5