Consumer Portfolio Services, Inc. (CPSS) 10-Year Financial Performance & Capital Metrics

CPSS • • Banking & Credit

Financial ServicesCredit ServicesAuto Finance & Vehicle LendingSubprime Auto Finance

AboutConsumer 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.Show more

Net Interest Income $194M -0.5%
Total Revenue $394M +11.8%
Net Income $19M -57.6%
Return on Equity 6.77% -62.5%
Net Interest Margin 5.53% -17.4%
Efficiency Ratio 45.77% -3.3%
ROA 0.6% -62.6%
Equity / Assets 8.36% -11.5%
Book Value per Share 12.04 +10.5%
Tangible BV/Share 12.04 +10.5%
Debt/Equity 10.78 +15.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 22.6%
✓Strong 5Y profit CAGR of 28.9%
✓Strong NIM of 5.5%
✓Efficient operations: 45.8% efficiency ratio
✓Share count reduced 3.5% through buybacks
✓Trading at only 0.8x book value

✗Weaknesses

✗High debt to equity ratio of 10.8x

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.74%

5Y2.62%

3Y13.69%

TTM-

Profit (Net Income) CAGR

10Y-4.21%

5Y28.85%

3Y-26.07%

TTM-8.27%

EPS CAGR

10Y-1.51%

5Y29.13%

3Y-24.56%

TTM-8.05%

ROCE

10Y Avg2.01%

5Y Avg2.35%

3Y Avg2.62%

Latest0.86%

Peer Comparison

Subprime Auto Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CACCCredit Acceptance Corporation	5.09B	461.58	23.22	13.54%	11.62%	28.75%	22.31%	3.63
CPSSConsumer Portfolio Services, Inc.	207.47M	9.40	11.90	11.79%	4.88%	6.34%	100%	10.78
LPROOpen Lending Corporation	256.47M	2.17	-1.92	-79.55%	-5.62%	-206.46%	6.8%	1.84
AIHSSenmiao Technology Limited	4.74M	1.04	-3.15	-21.55%	-109.92%	-109.33%	10.52%	1.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	292.17M	329.06M	331.83M	278.83M	226.57M	164.12M	186.61M	233M	194.59M	193.71M
NII Growth %	0.24%	0.13%	0.01%	-0.16%	-0.19%	-0.28%	0.14%	0.25%	-0.16%	-0%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	349.91M	409M	424.17M	380.3M	337.1M	265.45M	261.85M	320.52M	341.22M	384.96M
Interest Expense	57.74M	79.94M	92.34M	101.47M	110.53M	101.34M	75.24M	87.52M	146.63M	191.26M
Loan Loss Provision	142.62M	178.51M	186.71M	133.08M	85.77M	14.11M	-14.59M	-28.1M	-22.3M	-5.31M
Non-Interest Income+	13.74M	13.29M	10.21M	9.48M	8.7M	5.71M	5.96M	9.19M	10.79M	8.54M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	363.65M	422.28M	434.38M	389.77M	345.8M	271.16M	267.81M	329.71M	352.01M	393.51M
Revenue Growth %	0.21%	0.16%	0.03%	-0.1%	-0.11%	-0.22%	-0.01%	0.23%	0.07%	0.12%
Non-Interest Expense	101.91M	114.17M	123.25M	136.53M	140.34M	135.59M	141.42M	154.09M	166.59M	180.13M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	61.38M	49.66M	32.07M	18.7M	9.16M	20.12M	65.75M	116.19M	61.1M	27.43M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.17%	-0.19%	-0.35%	-0.42%	-0.51%	1.2%	2.27%	0.77%	-0.47%	-0.55%
Pretax Income+	61.38M	49.66M	32.07M	18.7M	9.16M	20.12M	65.75M	116.19M	61.1M	27.43M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	26.7M	20.36M	28.31M	3.84M	3.76M	-1.56M	18.22M	30.21M	15.75M	8.23M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	34.68M	29.3M	3.77M	14.86M	5.41M	21.68M	47.52M	85.98M	45.34M	19.2M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.17%	-0.16%	-0.87%	2.95%	-0.64%	3.01%	1.19%	0.81%	-0.47%	-0.58%
Net Income (Continuing)	34.68M	29.3M	3.77M	14.86M	5.41M	21.68M	47.52M	85.98M	45.34M	19.2M
EPS (Diluted)+	1.10	1.01	0.14	0.59	0.22	0.90	1.84	3.23	1.80	0.79
EPS Growth %	0.2%	-0.08%	-0.86%	3.21%	-0.63%	3.09%	1.04%	0.76%	-0.44%	-0.56%
EPS (Basic)	1.34	1.20	0.17	0.68	0.24	0.96	2.11	4.10	2.17	0.90
Diluted Shares Outstanding	31.58M	29.04M	27.21M	24.99M	24.06M	24M	25.78M	26.59M	25.22M	24.32M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	19.32M	13.94M	12.73M	12.79M	5.29M	144.15M	176.55M	162.79M	125.43M	137.4M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	1.91B	2.17B	2.2B	2.28B	2.33B	0	0	0	0	0
Investments Growth %	0.24%	0.14%	0.01%	0.04%	0.02%	-1%	-	-	-	-
Long-Term Investments	1.91B	2.17B	2.2B	2.28B	2.33B	0	0	0	0	0
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	1.72M	2.02M	1.75M	1.84M	1.51M	11.77M	9.32M	7.44M	4.3M	20.39M
Other Assets	129.25M	143.01M	135.36M	144.12M	175.39M	-44.12M	-32.73M	-20.38M	-10.41M	-28.97M
Total Current Assets	50.87M	50.17M	59.48M	44.76M	16.94M	0	0	0	0	0
Total Non-Current Assets	2.08B	2.36B	2.37B	2.44B	2.52B	0	0	0	0	0
Total Assets+	2.13B	2.41B	2.42B	2.49B	2.54B	2.15B	2.16B	2.76B	2.91B	3.5B
Asset Growth %	0.16%	0.13%	0.01%	0.03%	0.02%	-0.15%	0.01%	0.27%	0.05%	0.2%
Return on Assets (ROA)	0.02%	0.01%	0%	0.01%	0%	0.01%	0.02%	0.03%	0.02%	0.01%
Accounts Payable	29.51M	24.98M	28.71M	31.69M	0	0	0	0	0	0
Total Debt+	1.94B	2.2B	2.21B	2.26B	2.29B	1.98B	1.95B	2.48B	2.57B	3.16B
Net Debt	1.92B	2.19B	2.2B	2.24B	2.28B	1.84B	1.78B	2.31B	2.45B	3.02B
Long-Term Debt	1.74B	2.1B	2.1B	2.12B	2.15B	1.94B	1.91B	2.46B	2.56B	3.12B
Short-Term Debt	194.06M	103.36M	112.41M	136.85M	134.79M	39.72M	41.85M	18.32M	7.2M	13.81M
Other Liabilities	0	0	0	0	47.08M	-1.95B	-1.92B	-2.46B	-2.57B	-3.15B
Total Current Liabilities	223.56M	128.34M	141.12M	168.54M	134.79M	0	0	65.19M	0	0
Total Non-Current Liabilities	1.74B	2.1B	2.1B	2.12B	2.2B	0	0	0	0	0
Total Liabilities	1.97B	2.22B	2.24B	2.29B	2.34B	2.02B	1.99B	2.53B	2.63B	3.21B
Total Equity+	161.16M	186.22M	183.94M	197.12M	202.64M	133.36M	170.21M	228.39M	274.67M	292.77M
Equity Growth %	0.27%	0.16%	-0.01%	0.07%	0.03%	-0.34%	0.28%	0.34%	0.2%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.24%	0.17%	0.02%	0.08%	0.03%	0.13%	0.31%	0.43%	0.18%	0.07%
Book Value per Share	5.10	6.41	6.76	7.89	8.42	5.56	6.60	8.59	10.89	12.04
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	81.34M	77.13M	71.58M	70.27M	71.26M	72.93M	55.3M	28.91M	28.68M	25.72M
Additional Paid-in Capital	81.34M	77.13M	71.58M	70.27M	0	0	0	0	0	0
Retained Earnings	86.47M	115.77M	119.54M	134.4M	139.81M	69.01M	116.53M	202.51M	247.86M	267.06M
Accumulated OCI	-87.99M	-83.81M	-78.76M	-77.83M	-8.42M	-8.57M	-1.62M	-3.03M	-1.87M	-10K
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	187.56M	196.33M	215.65M	216.21M	216.78M	238.77M	198.19M	215.93M	237.98M	233.75M
Operating CF Growth %	0.38%	0.05%	0.1%	0%	0%	0.1%	-0.17%	0.09%	0.1%	-0.02%
Net Income	34.68M	29.3M	3.77M	14.86M	5.41M	21.68M	47.52M	85.98M	45.34M	19.2M
Depreciation & Amortization	637K	777K	934K	992K	1.08M	1.78M	1.68M	1.62M	847K	862K
Deferred Taxes	0	0	0	0	91.94M	0	0	9.4M	6.44M	2.73M
Other Non-Cash Items	140.65M	183.94M	196.76M	170.35M	92.14M	186.65M	131.61M	90.57M	168.93M	208.57M
Working Capital Changes	6.56M	-23.24M	8.48M	26.49M	24.14M	26.72M	15.38M	23.93M	12.95M	-564K
Cash from Investing+	-441.29M	-437.8M	-210.63M	-242.19M	-229.35M	93.03M	-115.36M	-713.9M	-359.53M	-769.71M
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	1000K	0	0	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-440.1M	-436.72M	-209.96M	-241.12M	-709.89M	93.06M	-113.38M	-845.48M	-427.14M	-769.71M
Cash from Financing+	255.19M	242.78M	-7.02M	31.4M	23.29M	-328.48M	-50.44M	484.21M	84.19M	547.92M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-5.93M	-10.47M	-12.35M	-5.31M	-1.44M	-1.22M	-25.68M	-46.1M	-20.27M	-12.83M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	-6.91M	-8.66M	-7.02M	-7.56M	-8.57M	-4.91M	-1.76M	2.98M	8.69M	-8.96M
Net Change in Cash+	1.46M	1.31M	-1.99M	5.41M	10.72M	3.32M	32.4M	-13.76M	-37.36M	11.97M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	17.86M	125.38M	126.69M	124.7M	130.11M	140.83M	144.15M	176.55M	162.79M	125.43M
Cash at End	19.32M	126.69M	124.7M	130.11M	140.83M	144.15M	176.55M	162.79M	125.43M	137.4M
Interest Paid	50.02M	71.08M	83.11M	92.41M	0	93.57M	69.48M	76.7M	135.2M	177.95M
Income Taxes Paid	13.69M	32.91M	9.32M	417K	0	0	14.25M	16.18M	3.55M	11.8M
Free Cash Flow+	186.36M	195.25M	214.98M	215.13M	216.03M	238.74M	196.22M	213.78M	237.42M	233.32M
FCF Growth %	0.38%	0.05%	0.1%	0%	0%	0.11%	-0.18%	0.09%	0.11%	-0.02%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	24.05%	16.87%	2.03%	7.8%	2.7%	12.9%	31.31%	43.14%	18.03%	6.77%
Return on Assets (ROA)	1.75%	1.29%	0.16%	0.61%	0.22%	0.92%	2.2%	3.5%	1.6%	0.6%
Net Interest Margin	13.72%	13.65%	13.68%	11.22%	8.92%	7.63%	8.63%	8.46%	6.7%	5.53%
Efficiency Ratio	28.02%	27.04%	28.37%	35.03%	40.58%	50%	52.8%	46.74%	47.32%	45.77%
Equity / Assets	7.57%	7.73%	7.59%	7.93%	7.98%	6.2%	7.87%	8.29%	9.45%	8.36%
Book Value / Share	5.1	6.41	6.76	7.89	8.42	5.56	6.6	8.59	10.89	12.04
NII Growth	23.62%	12.63%	0.84%	-15.97%	-18.74%	-27.56%	13.71%	24.86%	-16.48%	-0.45%

Frequently Asked Questions

Valuation & Price

Consumer Portfolio Services, Inc. (CPSS) has a price-to-earnings (P/E) ratio of 11.9x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Consumer Portfolio Services, Inc. (CPSS) grew revenue by 11.8% over the past year. This is steady growth.

Yes, Consumer Portfolio Services, Inc. (CPSS) is profitable, generating $19.5M in net income for fiscal year 2024 (4.9% net margin).

Dividend & Returns

Consumer Portfolio Services, Inc. (CPSS) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.

Industry Metrics

Consumer Portfolio Services, Inc. (CPSS) has a net interest margin (NIM) of 5.5%. This indicates healthy earnings from lending activities.

Consumer Portfolio Services, Inc. (CPSS) has an efficiency ratio of 45.8%. This is excellent, indicating strong cost control.

US Stock Screener

...