image
Financial Services - Financial - Credit Services - NASDAQ - US
$ 10.03
6.7 %
$ 215 M
Market Cap
12.7
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CPSS stock under the worst case scenario is HIDDEN Compared to the current market price of 10 USD, Consumer Portfolio Services, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CPSS stock under the base case scenario is HIDDEN Compared to the current market price of 10 USD, Consumer Portfolio Services, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CPSS stock under the best case scenario is HIDDEN Compared to the current market price of 10 USD, Consumer Portfolio Services, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CPSS

image
$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.0$10.5$10.5$10.0$10.0$9.5$9.5$9.0$9.0$8.5$8.5$8.0$8.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
394 M REVENUE
83.36%
27.4 M OPERATING INCOME
-55.10%
19.2 M NET INCOME
-57.65%
234 M OPERATING CASH FLOW
-1.78%
-770 M INVESTING CASH FLOW
-114.09%
548 M FINANCING CASH FLOW
550.79%
52.8 M REVENUE
-47.52%
0 OPERATING INCOME
0.00%
5.14 M NET INCOME
7.28%
68 M OPERATING CASH FLOW
-2.53%
-233 M INVESTING CASH FLOW
-6.33%
23.2 M FINANCING CASH FLOW
-85.64%
Balance Sheet Consumer Portfolio Services, Inc.
image
Current Assets 11.7 M
Cash & Short-Term Investments 11.7 M
Receivables 0
Other Current Assets 0
Non-Current Assets 1.01 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 1.01 M
92.06 %7.94 %Total Assets$12.7m
Current Liabilities 411 M
Accounts Payable 0
Short-Term Debt 411 M
Other Current Liabilities 0
Non-Current Liabilities 2.72 B
Long-Term Debt 2.72 B
Other Non-Current Liabilities 0
13.12 %86.88 %Total Liabilities$3.1b
EFFICIENCY
Earnings Waterfall Consumer Portfolio Services, Inc.
image
Revenue 394 M
Cost Of Revenue 5.61 M
Gross Profit 388 M
Operating Expenses 360 M
Operating Income 27.4 M
Other Expenses 8.23 M
Net Income 19.2 M
400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m00394m(6m)388m(360m)27m(8m)19mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
98.57% GROSS MARGIN
98.57%
6.97% OPERATING MARGIN
6.97%
4.88% NET MARGIN
4.88%
6.56% ROE
6.56%
0.55% ROA
0.55%
150.93% ROIC
150.93%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Consumer Portfolio Services, Inc.
image
250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 19.2 M
Depreciation & Amortization 862 K
Capital Expenditures 0
Stock-Based Compensation 2.96 M
Change in Working Capital 2.16 M
Others 208 M
Free Cash Flow 234 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Consumer Portfolio Services, Inc.
image
CPSS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Consumer Portfolio Services, Inc.
image
Sold
0-3 MONTHS
135 K USD 1
3-6 MONTHS
2.89 M USD 6
6-9 MONTHS
1.3 M USD 4
9-12 MONTHS
737 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
CPS Announces $65.0 Million Securitization of Residual Interests LAS VEGAS, Nevada, March 20, 2025 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of a $65.0 million securitization of residual interests from previously issued securitizations. globenewswire.com - 1 month ago
Consumer Portfolio Services, Inc. (CPSS) Q4 2024 Earnings Call Transcript Consumer Portfolio Services, Inc. (NASDAQ:CPSS ) Q4 2024 Earnings Conference Call February 26, 2025 1:00 PM ET Company Participants Charles Bradley - CEO & Chairman Denesh Bharwani - CFO and EVP, Accounting & Finance Michael Lavin - President, COO & Chief Legal Officer Conference Call Participants Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2024 Fourth Quarter Operating Results Conference Call. Today's call is being recorded. seekingalpha.com - 1 month ago
CPS Announces Fourth Quarter and Full Year 2024 Earnings LAS VEGAS, NV, Feb. 25, 2025 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced earnings of $5.1 million, or $0.21 per diluted share, for its fourth quarter ended December 31, 2024. globenewswire.com - 1 month ago
CPS to Host Conference Call on Fourth Quarter 2024 Earnings LAS VEGAS, Nevada, Feb. 24, 2025 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that it will hold a conference call on Wednesday, February 26, 2025 at 1:00 p.m. ET to discuss its fourth quarter 2024 operating results. globenewswire.com - 1 month ago
CPS Announces $442.4 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, Jan. 22, 2025 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its first term securitization in 2025 on Wednesday January 22, 2025. The transaction is CPS's 54th senior subordinate securitization since the beginning of 2011 and the 37th consecutive securitization to receive a triple “A” rating from at least two rating agencies on the senior class of notes. globenewswire.com - 2 months ago
CPS Announces Credit Facility Capacity Increase LAS VEGAS, Nevada, Dec. 19, 2024 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that on December 16, 2024, it amended its two-year revolving credit agreement with Citibank, N.A to increase the capacity of the facility. The amendment also applies to the subordinate third party lender, which was announced last month. The amendment increases the capacity of this facility from $225 million to $335 million. globenewswire.com - 4 months ago
Consumer Portfolio Services Partners with SentiLink to Enhance Fraud Prevention AI Fraud Protection Technology Reduces Fraud Exposure by Approximately $1 Million Per Quarter So Far AI Fraud Protection Technology Reduces Fraud Exposure by Approximately $1 Million Per Quarter So Far globenewswire.com - 5 months ago
Consumer Portfolio Services, Inc (CPSS) Q3 2024 Earnings Call Transcript Consumer Portfolio Services, Inc (NASDAQ:CPSS ) Q3 2024 Earnings Conference Call November 1, 2024 1:00 PM ET Company Participants Charles Bradley - Chief Executive Officer Danny Bharwani - Chief Financial Officer Mike Lavin - President and Chief Operating Officer Conference Call Participants Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2024 Third Quarter Operating Results Conference Call. Today's call is being recorded. seekingalpha.com - 5 months ago
CPS Announces Third Quarter 2024 Earnings LAS VEGAS, NV, Oct. 31, 2024 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced earnings of $4.8 million, or $0.20 per diluted share, for its third quarter ended September 30, 2024. globenewswire.com - 5 months ago
CPS to Host Conference Call on Third Quarter 2024 Earnings LAS VEGAS, Oct. 30, 2024 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that it will hold a conference call on Friday, November 1, 2024 at 1:00 p.m. ET to discuss its third quarter 2024 operating results. globenewswire.com - 5 months ago
Consumer Portfolio Services Leverages Informed.IQ's Dealer Verify to Enhance Loan Processing, Increase Capture Rates, and Improve Dealer Experience AI-Powered Tool Enables CPS Dealers to Verify Stipulations in Real Time, Streamlining Loan Originations and Reducing Contracts-in-Transit AI-Powered Tool Enables CPS Dealers to Verify Stipulations in Real Time, Streamlining Loan Originations and Reducing Contracts-in-Transit globenewswire.com - 6 months ago
CPS Announces $416.82 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Sept. 17, 2024 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its fourth term securitization in 2024 on Tuesday, September 17, 2024. The transaction is CPS's 53rd senior subordinate securitization since the beginning of 2011 and the 36th consecutive securitization to receive a triple “A” rating from at least two rating agencies on the senior class of notes. globenewswire.com - 7 months ago
8. Profile Summary

Consumer Portfolio Services, Inc. CPSS

image
COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 215 M
Dividend Yield 0.00%
Description Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of 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 are not 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; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.
Contact 3800 Howard Hughes Parkway, Las Vegas, NV, 89169 https://www.consumerportfolio.com
IPO Date Oct. 22, 1992
Employees 933
Officers Ms. Lisette Reynoso Senior Vice President & General Counsel Mr. Denesh Bharwani Chief Financial Officer and Executive Vice President of Accounting & Finance Ms. April Crisp Senior Vice President of Compliance & Regulatory Affairs Mr. John Patrick Harton Senior Vice President of Business Development Ms. Teri L. Robinson Executive Vice President of Sales & Originations Mr. Bryan J. Rayhill Secretary & Independent Director Ms. Catrina Ralston Senior Vice President of Human Resources Mr. Christopher Terry Executive Vice President of Systems, Risk & IT Mr. Michael T. Lavin President, Chief Operating Officer & Chief Legal Officer Mr. Charles E. Bradley Jr. Chief Executive Officer & Chairman