Financhill
Buy
55

CPSS Quote, Financials, Valuation and Earnings

Last price:
$8.72
Seasonality move :
8.79%
Day range:
$8.21 - $8.58
52-week range:
$6.67 - $12.73
Dividend yield:
0%
P/E ratio:
10.63x
P/S ratio:
0.49x
P/B ratio:
0.61x
Volume:
19.4K
Avg. volume:
23.3K
1-year change:
-19.02%
Market cap:
$188.9M
Revenue:
$372.5M
EPS (TTM):
$0.81

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Upside
    No price target exists because of limited analyst coverage.
  • Price Target Downside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Consumer Portfolio Services, Inc. has 75.23% upside to fair value with a price target of $15.00 per share.

CPSS vs. S&P 500

  • Over the past 5 trading days, Consumer Portfolio Services, Inc. has overperformed the S&P 500 by 2.14% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Consumer Portfolio Services, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Consumer Portfolio Services, Inc. has grown year-over-year revenues for 15 quarters straight. In the most recent quarter Consumer Portfolio Services, Inc. reported revenues of $108.4M.

Earnings Growth

  • Consumer Portfolio Services, Inc. has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Consumer Portfolio Services, Inc. reported earnings per share of $0.20.
Enterprise value:
3.5B
EV / Invested capital:
0.93x
Price / LTM sales:
0.49x
EV / EBIT:
14.42x
EV / Revenue:
8.34x
PEG ratio (5yr expected):
--
EV / Free cash flow:
12.46x
Price / Operating cash flow:
0.74x
Enterprise value / EBITDA:
14.37x
Gross Profit (TTM):
$417.9M
Return On Assets:
0.54%
Net Income Margin (TTM):
4.65%
Return On Equity:
6.55%
Return On Invested Capital:
0.54%
Operating Margin:
60.99%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $337.1M $358.2M $418.9M $95.1M $108.4M
Gross Profit $336M $357.3M $417.9M $94.9M $108.2M
Operating Income $204.8M $208.9M $253.8M $56.9M $66.1M
EBITDA $199.8M $187.8M $243.2M $51.6M $66.3M
Diluted EPS $2.10 $0.87 $0.81 $0.20 $0.20
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $392.8M $263.9M $176.5M $286.9M $152.9M
Total Assets $2.1B $2.7B $2.9B $3.5B $3.8B
Current Liabilities $81M $52.1M $58.2M $46.6M $46.2M
Total Liabilities $1.9B $2.4B $2.6B $3.2B $3.5B
Total Equity $161.4M $218.2M $265.9M $285.1M $307.6M
Total Debt $1.9B $2.4B $2.6B $3.1B $3.5B
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $233.1M $221.8M $281.2M $69.8M $84.9M
Cash From Investing -$423.1M -$620.6M -$725.1M -$219M -$131.4M
Cash From Financing $159.4M $535.8M $316.7M $161.7M $38.2M
Free Cash Flow $232.5M $221.2M $280.5M $69.7M $84.9M
CPSS
Sector
Market Cap
$188.9M
$555.9M
Price % of 52-Week High
67.24%
89.84%
Dividend Yield
0%
1.65%
Shareholder Yield
-57.73%
3.16%
1-Year Price Total Return
-19.02%
1.51%
Beta (5-Year)
1.051
0.481
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $8.29
200-day SMA
Sell
Level $8.75
Bollinger Bands (100)
Buy
Level 7.75 - 8.63
Chaikin Money Flow
Sell
Level -2.3M
20-day SMA
Buy
Level $8.30
Relative Strength Index (RSI14)
Buy
Level 57.81
ADX Line
Buy
Level 13.47
Williams %R
Sell
Level -2.1505
50-day SMA
Buy
Level $8.03
MACD (12, 26)
Buy
Level 0.05
25-day Aroon Oscillator
Buy
Level 32
On Balance Volume
Neutral
Level 18.4M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.472)
Sell
CA Score (Annual)
Level (-2.0311)
Buy
Beneish M-Score (Annual)
Level (-3.0782)
Sell
Momentum Score
Level (3)
Sell
Ohlson Score
Level (3.3385)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (5)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Consumer Portfolio Services, Inc. operates as an independent finance company. The firm provides indirect automobile financing to individuals with past credit problems, low incomes, and limited credit histories. It engages in purchase and service of retail automobile contracts originated primarily by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company was founded on March 8, 1991 and is headquartered in Las Vegas, NV.

Stock Forecast FAQ

In the current month, CPSS has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CPSS average analyst price target in the past 3 months is $15.00.

  • Where Will Consumer Portfolio Services, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Consumer Portfolio Services, Inc. share price will rise to $15.00 per share over the next 12 months.

  • What Do Analysts Say About Consumer Portfolio Services, Inc.?

    Analysts are divided on their view about Consumer Portfolio Services, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Consumer Portfolio Services, Inc. is a Sell and believe this share price will drop from its current level to $15.00.

  • What Is Consumer Portfolio Services, Inc.'s Price Target?

    The price target for Consumer Portfolio Services, Inc. over the next 1-year time period is forecast to be $15.00 according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is CPSS A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Consumer Portfolio Services, Inc. is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of CPSS?

    You can purchase shares of Consumer Portfolio Services, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Consumer Portfolio Services, Inc. shares.

  • What Is The Consumer Portfolio Services, Inc. Share Price Today?

    Consumer Portfolio Services, Inc. was last trading at $8.72 per share. This represents the most recent stock quote for Consumer Portfolio Services, Inc.. Yesterday, Consumer Portfolio Services, Inc. closed at $8.56 per share.

  • How To Buy Consumer Portfolio Services, Inc. Stock Online?

    In order to purchase Consumer Portfolio Services, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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