(CPSS) Consumer Portfolio - Ratings and Ratios
Automobile Contracts, Financing, Loans, Vehicle Purchases
CPSS EPS (Earnings per Share)
CPSS Revenue
Description: CPSS Consumer Portfolio
Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company that provides indirect financing to customers with limited credit histories or past credit problems through the purchase and servicing of retail automobile contracts. The company operates as an alternative source of financing for dealerships, facilitating sales to customers who may not qualify for traditional financing from banks, credit unions, or captive finance companies.
Key performance indicators (KPIs) for CPSS include its ability to manage credit risk, maintain a healthy loan portfolio, and generate revenue through interest income. The companys return on equity (RoE) of 6.68% indicates a relatively modest return on shareholder equity. To evaluate CPSSs performance, we can also consider metrics such as the delinquency rate, charge-off rate, and the ratio of allowance for credit losses to total loans. A lower delinquency rate and charge-off rate would indicate effective credit risk management, while a higher ratio of allowance for credit losses to total loans may suggest a more conservative approach to credit risk provisioning.
CPSSs business model is focused on subprime auto lending, which can be a high-risk, high-reward segment. To mitigate risk, the company likely employs robust underwriting standards and closely monitors its loan portfolio. The companys geographic diversification across multiple states, including California, Nevada, Virginia, Florida, and Illinois, may also help to reduce regional risk. Further analysis of CPSSs financial performance could involve examining its net interest margin, operating expenses, and capital adequacy to determine its overall financial health and potential for future growth.
CPSS Stock Overview
| Market Cap in USD | 188m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1992-10-22 |
CPSS Stock Ratings
| Growth Rating | 20.0% |
| Fundamental | 57.8% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -17.1% |
| Analyst Rating | - |
CPSS Dividends
Currently no dividends paidCPSS Growth Ratios
| Growth Correlation 3m | -77.5% |
| Growth Correlation 12m | -45.6% |
| Growth Correlation 5y | 43.7% |
| CAGR 5y | 19.87% |
| CAGR/Max DD 5y | 0.29 |
| Sharpe Ratio 12m | 0.52 |
| Alpha | -8.27 |
| Beta | 0.072 |
| Volatility | 46.69% |
| Current Volume | 7.4k |
| Average Volume 20d | 10.2k |
| Stop Loss | 7.5 (-6.1%) |
| Signal | -0.71 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (19.4m TTM) > 0 and > 6% of Revenue (6% = 25.4m TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 0.61pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -12.34% (prev 2.09%; Δ -14.44pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 266.1m > Net Income 19.4m (YES >=105%, WARN >=100%) |
| Net Debt (-15.8m) to EBITDA (87.3m) ratio: -0.18 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (24.2m) change vs 12m ago -0.34% (target <= -2.0% for YES) |
| Gross Margin 63.04% (prev 57.04%; Δ 5.99pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.99% (prev 11.31%; Δ 0.68pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.40 (EBITDA TTM 87.3m / Interest Expense TTM 216.2m) >= 6 (WARN >= 3) |
Altman Z'' 0.41
| (A) -0.01 = (Total Current Assets 15.8m - Total Current Liabilities 67.9m) / Total Assets 3.76b |
| (B) 0.07 = Retained Earnings (Balance) 276.6m / Total Assets 3.76b |
| (C) 0.02 = EBIT TTM 86.4m / Avg Total Assets 3.53b |
| (D) 0.09 = Book Value of Equity 303.1m / Total Liabilities 3.46b |
| Total Rating: 0.41 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 57.82
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 7.47% = 3.73 |
| 3. FCF Margin 63.02% = 7.50 |
| 4. Debt/Equity 11.19 = -2.50 |
| 5. Debt/Ebitda 38.85 = -2.50 |
| 6. ROIC - WACC 0.24% = 0.30 |
| 7. RoE 6.59% = 0.55 |
| 8. Rev. Trend 92.02% = 4.60 |
| 9. Rev. CAGR 7.35% = 0.92 |
| 10. EPS Trend -91.42% = -2.29 |
| 11. EPS CAGR -43.50% = -2.50 |
What is the price of CPSS shares?
Over the past week, the price has changed by -5.67%, over one month by -8.69%, over three months by -12.10% and over the past year by -3.03%.
Is Consumer Portfolio a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CPSS is around 7.53 USD . This means that CPSS is currently overvalued and has a potential downside of -5.76%.
Is CPSS a buy, sell or hold?
What are the forecasts/targets for the CPSS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 15 | 87.7% |
| Analysts Target Price | 15 | 87.7% |
| ValueRay Target Price | 8 | -0.5% |
Last update: 2025-08-26 04:34
CPSS Fundamental Data Overview
CCE Cash And Equivalents = 15.8m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.641
P/E Forward = 9.009
P/S = 0.9791
P/B = 0.621
P/EG = 0.33
Beta = 0.91
Revenue TTM = 422.5m USD
EBIT TTM = 86.4m USD
EBITDA TTM = 87.3m USD
Long Term Debt = 3.00b USD (from longTermDebt, last quarter)
Short Term Debt = 395.6m USD (from shortLongTermDebt, last quarter)
Debt = 3.39b USD (Calculated: Short Term 395.6m + Long Term 3.00b)
Net Debt = -15.8m USD (from netDebt column, last quarter)
Enterprise Value = 3.57b USD (188.2m + Debt 3.39b - CCE 15.8m)
Interest Coverage Ratio = 0.40 (Ebit TTM 86.4m / Interest Expense TTM 216.2m)
FCF Yield = 7.47% (FCF TTM 266.3m / Enterprise Value 3.57b)
FCF Margin = 63.02% (FCF TTM 266.3m / Revenue TTM 422.5m)
Net Margin = 4.60% (Net Income TTM 19.4m / Revenue TTM 422.5m)
Gross Margin = 63.04% ((Revenue TTM 422.5m - Cost of Revenue TTM 156.2m) / Revenue TTM)
Tobins Q-Ratio = 11.76 (Enterprise Value 3.57b / Book Value Of Equity 303.1m)
Interest Expense / Debt = 1.73% (Interest Expense 58.7m / Debt 3.39b)
Taxrate = 30.00% (from yearly Income Tax Expense: 8.23m / 27.4m)
NOPAT = 60.5m (EBIT 86.4m * (1 - 30.00%))
Current Ratio = 0.23 (Total Current Assets 15.8m / Total Current Liabilities 67.9m)
Debt / Equity = 11.19 (Debt 3.39b / last Quarter total Stockholder Equity 303.1m)
Debt / EBITDA = 38.85 (Net Debt -15.8m / EBITDA 87.3m)
Debt / FCF = 12.74 (Debt 3.39b / FCF TTM 266.3m)
Total Stockholder Equity = 294.8m (last 4 quarters mean)
RoA = 0.52% (Net Income 19.4m, Total Assets 3.76b )
RoE = 6.59% (Net Income TTM 19.4m / Total Stockholder Equity 294.8m)
RoCE = 2.62% (Ebit 86.4m / (Equity 294.8m + L.T.Debt 3.00b))
RoIC = 1.72% (NOPAT 60.5m / Invested Capital 3.53b)
WACC = 1.48% (E(188.2m)/V(3.58b) * Re(6.28%)) + (D(3.39b)/V(3.58b) * Rd(1.73%) * (1-Tc(0.30)))
Shares Correlation 5-Years: -40.0 | Cagr: -2.55%
Discount Rate = 6.28% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.09% ; FCFE base≈244.8m ; Y1≈258.9m ; Y5≈307.4m
Fair Price DCF = 242.2 (DCF Value 5.38b / Shares Outstanding 22.2m; 5y FCF grow 6.34% → 3.0% )
Revenue Correlation: 92.02 | Revenue CAGR: 7.35%
Rev Growth-of-Growth: 5.40
EPS Correlation: -91.42 | EPS CAGR: -43.50%
EPS Growth-of-Growth: 55.55
Additional Sources for CPSS Stock
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Fund Manager Positions: Dataroma | Stockcircle