29 years of historical data (1996–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Consumer Portfolio Services, Inc. trades at 10.3x earnings, 56% above its 5-year average of 6.6x, sitting at the 57th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 26%. On a free-cash-flow basis, the stock trades at 0.8x P/FCF, 26% below the 5-year average of 1.0x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $179M | $264M | $236M | $235M | $305M | $102M | $81M | $75M | $113M | $149M | $164M |
| Enterprise Value | $3.2B | $3.3B | $2.7B | $2.6B | $2.1B | $1.9B | $2.4B | $2.3B | $2.3B | $2.3B | $2.1B |
| P/E Ratio → | 10.25 | 13.75 | 5.21 | 2.74 | 6.44 | 4.71 | 15.32 | 5.10 | 29.64 | 5.07 | 4.72 |
| P/S Ratio | 0.46 | 0.67 | 0.67 | 0.71 | 1.14 | 0.38 | 0.23 | 0.19 | 0.26 | 0.35 | 0.45 |
| P/B Ratio | 0.67 | 0.90 | 0.86 | 1.03 | 1.79 | 0.76 | 0.40 | 0.38 | 0.61 | 0.80 | 1.02 |
| P/FCF | 0.77 | 1.13 | 1.00 | 1.10 | 1.56 | 0.43 | 0.38 | 0.35 | 0.53 | 0.76 | 0.88 |
| P/OCF | 0.77 | 1.13 | 0.99 | 1.09 | 1.54 | 0.43 | 0.37 | 0.35 | 0.52 | 0.76 | 0.87 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Consumer Portfolio Services, Inc.'s enterprise value stands at 113.1x EBITDA, 88% above its 5-year average of 60.1x. The Financial Services sector median is 11.1x, placing the stock at a 919% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 8.34 | 7.62 | 7.73 | 7.78 | 7.15 | 6.84 | 5.95 | 5.32 | 5.53 | 5.73 |
| EV / EBITDA | 113.07 | 116.06 | 43.29 | 21.65 | 30.91 | 88.53 | 231.03 | 117.76 | 70.06 | 46.27 | 33.58 |
| EV / EBIT | 116.62 | 119.71 | 43.89 | 21.95 | 31.69 | 96.38 | 258.17 | 124.01 | 72.10 | 47.00 | 33.93 |
| EV / FCF | — | 14.07 | 11.29 | 11.93 | 10.62 | 8.12 | 10.95 | 10.78 | 10.76 | 11.95 | 11.18 |
Margins and return-on-capital ratios measuring operating efficiency
Consumer Portfolio Services, Inc. earns an operating margin of 7.0%, below the Financial Services sector average of 21.9%. Operating margins have compressed from 35.2% to 7.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.8% is modest, trailing the sector median of 9.1%. ROIC of 0.7% represents below-average returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.7% | 52.7% | 64.7% | 82.0% | 77.4% | 57.4% | 43.2% | 39.8% | 35.8% | 38.8% | 44.9% |
| Operating Margin | 7.0% | 7.0% | 17.4% | 35.2% | 24.5% | 7.4% | 2.6% | 4.8% | 7.4% | 11.8% | 16.9% |
| Net Profit Margin | 4.9% | 4.9% | 12.9% | 26.1% | 17.7% | 8.0% | 1.6% | 3.8% | 0.9% | 6.9% | 9.5% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.8% | 6.8% | 18.0% | 43.1% | 31.3% | 12.9% | 2.7% | 7.8% | 2.0% | 16.9% | 24.0% |
| ROA | 0.6% | 0.6% | 1.6% | 3.5% | 2.2% | 0.9% | 0.2% | 0.6% | 0.2% | 1.3% | 1.8% |
| ROIC | 0.7% | 0.7% | 1.7% | 3.6% | 2.3% | 0.7% | 0.3% | 0.6% | 1.0% | 1.7% | 2.4% |
| ROCE | 0.9% | 0.9% | 2.2% | 4.9% | 3.0% | 0.9% | 0.4% | 0.8% | 1.4% | 2.4% | 3.4% |
Solvency and debt-coverage ratios — lower is generally safer
Consumer Portfolio Services, Inc. carries a Debt/EBITDA ratio of 111.6x, which is highly leveraged (2618% above the sector average of 4.1x). Net debt stands at $3.0B ($3.2B total debt minus $137M cash). Interest coverage of just 0.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 10.78 | 10.78 | 9.36 | 10.85 | 11.48 | 14.86 | 11.30 | 11.45 | 12.03 | 11.81 | 12.03 |
| Debt / EBITDA | 111.58 | 111.58 | 41.50 | 21.03 | 28.99 | 90.46 | 223.63 | 114.59 | 67.03 | 43.60 | 31.25 |
| Net Debt / Equity | — | 10.31 | 8.90 | 10.14 | 10.45 | 13.78 | 11.27 | 11.38 | 11.96 | 11.74 | 11.91 |
| Net Debt / EBITDA | 106.73 | 106.73 | 39.47 | 19.65 | 26.38 | 83.88 | 223.11 | 113.94 | 66.64 | 43.33 | 30.94 |
| Debt / FCF | — | 12.94 | 10.30 | 10.83 | 9.06 | 7.70 | 10.57 | 10.43 | 10.23 | 11.19 | 10.30 |
| Interest Coverage | 0.14 | 0.14 | 0.42 | 1.33 | 0.87 | 0.20 | 0.08 | 0.18 | 0.35 | 0.62 | 1.06 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — | — | 0.13 | 0.27 | 0.42 | 0.39 | 0.23 |
| Quick Ratio | — | — | — | — | — | — | 0.13 | 0.27 | 0.42 | 0.39 | 0.23 |
| Cash Ratio | — | — | — | 2.50 | — | — | 0.04 | 0.08 | 0.09 | 0.11 | 0.09 |
| Asset Turnover | — | 0.11 | 0.12 | 0.12 | 0.12 | 0.13 | 0.14 | 0.16 | 0.18 | 0.18 | 0.17 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Consumer Portfolio Services, Inc. returns 7.2% to shareholders annually primarily through share buybacks. The earnings yield of 9.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.8% | 7.3% | 19.2% | 36.5% | 15.5% | 21.2% | 6.5% | 19.6% | 3.4% | 19.7% | 21.2% |
| FCF Yield | 100.0% | 88.3% | 100.5% | 90.9% | 64.2% | 234.6% | 266.4% | 286.0% | 190.4% | 131.3% | 113.7% |
| Buyback Yield | 7.2% | 4.9% | 8.6% | 19.6% | 8.4% | 1.2% | 1.8% | 7.1% | 10.9% | 7.0% | 3.6% |
| Total Shareholder Yield | 7.2% | 4.9% | 8.6% | 19.6% | 8.4% | 1.2% | 1.8% | 7.1% | 10.9% | 7.0% | 3.6% |
| Shares Outstanding | — | $24M | $25M | $27M | $26M | $24M | $24M | $25M | $27M | $29M | $32M |
Compare CPSS with 7 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| CPSSYou | $179M | 10.3 | 113.1 | 0.8 | 52.7% | 7.0% | 6.8% | 0.7% | 111.6 |
| IX | $39B | 18.1 | 15.3 | 5.2 | 41.8% | 11.5% | 8.6% | 2.4% | 8.6 |
| ALLY | $12B | 16.6 | 12.2 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
| CACC | $5B | 23.8 | 30.4 | 4.6 | 62.4% | 15.2% | 14.2% | 3.3% | 18.0 |
| MFIN | $298M | 6.6 | 7.1 | 2.6 | 43.6% | 21.6% | 8.4% | 6.8% | 4.2 |
| ANTA | $208M | 46.2 | 152.6 | — | 37.8% | 6.7% | 14.9% | 0.6% | 102.2 |
| LPRO | $157M | -1.2 | — | 9.0 | 0.7% | -272.1% | -95.2% | -17.0% | — |
| AIHS | $14M | -3.9 | — | 27.4 | 25.1% | -114.1% | -169.2% | -108.4% | — |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 29 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationSee how CPSS stacks up against sector leader ORIX Corporation.
Start ComparisonConsumer Portfolio Services, Inc.'s current P/E ratio is 10.3x. The historical average is 19.3x. This places it at the 57th percentile of its historical range.
Consumer Portfolio Services, Inc.'s current EV/EBITDA is 113.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 49.5x.
Consumer Portfolio Services, Inc.'s return on equity (ROE) is 6.8%. The historical average is 10.5%.
Based on historical data, Consumer Portfolio Services, Inc. is trading at a P/E of 10.3x. This is at the 57th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Consumer Portfolio Services, Inc. has 52.7% gross margin and 7.0% operating margin.
Consumer Portfolio Services, Inc.'s Debt/EBITDA ratio is 111.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.