Consumer Portfolio Services, Inc. (CPSS) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
14.27
↓-68% vs avg
5yr avg: 45.24
30Y Low14.3·High89.5
P/FCF
↓
0.77
↓-30% vs avg
5yr avg: 1.11
30Y Low0.1·High24.1
P/B Ratio
↓
0.80
↓-25% vs avg
5yr avg: 1.06
30Y Low0.2·High8.6
ROE
↓
6.4%
↑-70% vs avg
5yr avg: 21.1%
30Y Low-175%·High295%
Debt/EBITDA
↓
13.44
↓-69% vs avg
5yr avg: 43.31
30Y Low13.4·High43.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CPSS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Consumer Portfolio Services, Inc. trades at 12.8x earnings, 61% above its 5-year average of 8.0x, sitting at the 64th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.1x. On a free-cash-flow basis, the stock trades at 0.8x P/FCF, 30% below the 5-year average of 1.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $223M | $225M | $264M | $236M | $235M | $305M | $102M | $81M | $75M | $113M | $149M |
| Enterprise Value | $3.7B | $3.7B | $3.3B | $2.7B | $2.6B | $2.1B | $1.9B | $2.4B | $2.3B | $2.3B | $2.3B |
| P/E Ratio → | 12.84 | 11.66 | 13.75 | 5.21 | 2.74 | 6.44 | 4.71 | 15.32 | 5.10 | 29.64 | 5.07 |
| P/S Ratio | 0.52 | 0.52 | 0.67 | 0.67 | 0.71 | 1.14 | 0.38 | 0.23 | 0.19 | 0.26 | 0.35 |
| P/B Ratio | 0.80 | 0.73 | 0.90 | 0.86 | 1.03 | 1.79 | 0.76 | 0.40 | 0.38 | 0.61 | 0.80 |
| P/FCF | 0.77 | 0.78 | 1.13 | 1.00 | 1.10 | 1.56 | 0.43 | 0.38 | 0.35 | 0.53 | 0.76 |
| P/OCF | 0.77 | 0.78 | 1.13 | 0.99 | 1.09 | 1.54 | 0.43 | 0.37 | 0.35 | 0.52 | 0.76 |
P/E links to full P/E history page with 30-year chart
CPSS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Consumer Portfolio Services, Inc.'s enterprise value stands at 14.3x EBITDA, 68% below its 5-year average of 45.2x. The Financial Services sector median is 11.5x, placing the stock at a 24% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 8.71 | 8.34 | 7.62 | 7.73 | 7.78 | 7.15 | 6.84 | 5.95 | 5.32 | 5.53 |
| EV / EBITDA | 14.27 | 14.28 | 116.06 | 43.29 | 21.65 | 30.91 | 88.53 | 231.03 | 117.76 | 70.06 | 46.27 |
| EV / EBIT | 14.32 | 14.33 | 119.71 | 43.89 | 21.95 | 31.69 | 96.38 | 258.17 | 124.01 | 72.10 | 47.00 |
| EV / FCF | — | 12.89 | 14.07 | 11.29 | 11.93 | 10.62 | 8.12 | 10.95 | 10.78 | 10.76 | 11.95 |
CPSS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Consumer Portfolio Services, Inc. earns an operating margin of 60.8%, significantly above the Financial Services sector average of 21.6%. Operating margins have expanded from 17.4% to 60.8% over the past 3 years, signaling improving operational efficiency. ROE of 6.4% is modest, trailing the sector median of 9.4%. ROIC of 5.4% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.6% | 99.6% | 52.7% | 64.7% | 82.0% | 77.4% | 57.4% | 43.2% | 39.8% | 35.8% | 38.8% |
| Operating Margin | 60.8% | 60.8% | 7.0% | 17.4% | 35.2% | 24.5% | 7.4% | 2.6% | 4.8% | 7.4% | 11.8% |
| Net Profit Margin | 4.5% | 4.5% | 4.9% | 12.9% | 26.1% | 17.7% | 8.0% | 1.6% | 3.8% | 0.9% | 6.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 6.4% | 6.8% | 18.0% | 43.1% | 31.3% | 12.9% | 2.7% | 7.8% | 2.0% | 16.9% |
| ROA | 0.5% | 0.5% | 0.6% | 1.6% | 3.5% | 2.2% | 0.9% | 0.2% | 0.6% | 0.2% | 1.3% |
| ROIC | 5.4% | 5.4% | 0.7% | 1.7% | 3.6% | 2.3% | 0.7% | 0.3% | 0.6% | 1.0% | 1.7% |
| ROCE | 7.1% | 7.1% | 0.9% | 2.2% | 4.9% | 3.0% | 0.9% | 0.4% | 0.8% | 1.4% | 2.4% |
CPSS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Consumer Portfolio Services, Inc. carries a Debt/EBITDA ratio of 13.4x, which is highly leveraged (224% above the sector average of 4.1x). Net debt stands at $3.5B ($3.5B total debt minus $6M cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 11.33 | 11.33 | 10.78 | 9.36 | 10.85 | 11.48 | 14.86 | 11.30 | 11.45 | 12.03 | 11.81 |
| Debt / EBITDA | 13.44 | 13.44 | 111.58 | 41.50 | 21.03 | 28.99 | 90.46 | 223.63 | 114.59 | 67.03 | 43.60 |
| Net Debt / Equity | — | 11.31 | 10.31 | 8.90 | 10.14 | 10.45 | 13.78 | 11.27 | 11.38 | 11.96 | 11.74 |
| Net Debt / EBITDA | 13.42 | 13.42 | 106.73 | 39.47 | 19.65 | 26.38 | 83.88 | 223.11 | 113.94 | 66.64 | 43.33 |
| Debt / FCF | — | 12.11 | 12.94 | 10.30 | 10.83 | 9.06 | 7.70 | 10.57 | 10.43 | 10.23 | 11.19 |
| Interest Coverage | 1.12 | 1.12 | 0.14 | 0.42 | 1.33 | 0.87 | 0.20 | 0.08 | 0.18 | 0.35 | 0.62 |
CPSS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.44x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.44 | 0.44 | — | — | — | — | — | 0.13 | 0.27 | 0.42 | 0.39 |
| Quick Ratio | 0.44 | 0.44 | — | — | — | — | — | 0.13 | 0.27 | 0.42 | 0.39 |
| Cash Ratio | 0.44 | 0.44 | — | — | 2.50 | — | — | 0.04 | 0.08 | 0.09 | 0.11 |
| Asset Turnover | — | 0.11 | 0.11 | 0.12 | 0.12 | 0.12 | 0.13 | 0.14 | 0.16 | 0.18 | 0.18 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CPSS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Consumer Portfolio Services, Inc. returns 3.9% to shareholders annually primarily through share buybacks. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 8.6% | 7.3% | 19.2% | 36.5% | 15.5% | 21.2% | 6.5% | 19.6% | 3.4% | 19.7% |
| FCF Yield | 100.0% | 128.6% | 88.3% | 100.5% | 90.9% | 64.2% | 234.6% | 266.4% | 286.0% | 190.4% | 131.3% |
| Buyback Yield | 3.9% | 3.9% | 4.9% | 8.6% | 19.6% | 8.4% | 1.2% | 1.8% | 7.1% | 10.9% | 7.0% |
| Total Shareholder Yield | 3.9% | 3.9% | 4.9% | 8.6% | 19.6% | 8.4% | 1.2% | 1.8% | 7.1% | 10.9% | 7.0% |
| Shares Outstanding | — | $24M | $24M | $25M | $27M | $26M | $24M | $24M | $25M | $27M | $29M |
Peer Comparison
Compare CPSS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CPSSYou | $223M | 12.8 | 14.3 | 0.8 | 99.6% | 60.8% | 6.4% | 5.4% | 13.4 |
 CAC | $825M | 12.7 | 15.0 | 13.9 | 62.8% | 22.2% | 10.6% | 5.1% | 7.0 |
 CACC | $5B | 13.9 | 10.0 | 5.2 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 ALLY | $14B | 18.5 | 12.8 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
 COF | $119B | 47.8 | 15.0 | 4.6 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 SLM | $4B | 6.5 | 6.1 | 7.8 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $826M | -10.9 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 KMX | $6B | 12.4 | 22.6 | 36.5 | 11.4% | 2.8% | 8.1% | 2.4% | 17.6 |
 AN | $7B | 12.0 | 10.8 | — | 17.0% | 4.8% | 27.1% | 8.5% | 6.4 |
 PAG | $11B | 12.2 | 13.8 | 15.3 | 16.4% | 4.0% | 17.3% | 6.9% | 6.1 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
See CPSS's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs CPSS Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare CPSS vs CAC
Side-by-side business, growth, and profitability comparison vs Camden National Corporation.
Start ComparisonCPSS — Frequently Asked Questions
Quick answers to the most common questions about buying CPSS stock.
What is Consumer Portfolio Services, Inc.'s P/E ratio?
Consumer Portfolio Services, Inc.'s current P/E ratio is 12.8x. The historical average is 18.9x. This places it at the 64th percentile of its historical range.
What is Consumer Portfolio Services, Inc.'s EV/EBITDA?
Consumer Portfolio Services, Inc.'s current EV/EBITDA is 14.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 46.8x.
What is Consumer Portfolio Services, Inc.'s ROE?
Consumer Portfolio Services, Inc.'s return on equity (ROE) is 6.4%. The historical average is 10.3%.
Is CPSS stock overvalued?
Based on historical data, Consumer Portfolio Services, Inc. is trading at a P/E of 12.8x. This is at the 64th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Consumer Portfolio Services, Inc.'s profit margins?
Consumer Portfolio Services, Inc. has 99.6% gross margin and 60.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Consumer Portfolio Services, Inc. have?
Consumer Portfolio Services, Inc.'s Debt/EBITDA ratio is 13.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.