Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.00 | 7.63 | 9.23 | 8.05 | 11.11 | 9.44 | 12.29 | 11.41 | 12.93 | 11.72 | 12.89 | 9.95 | 8.08 | 5.53 | 5.30 | 4.95 | 3.75 | 1.91 | 2.82 | 3.39 | 4.17 |
| — | -19.1% | -24.9% | -29.4% | -14.1% | -19.5% | -4.7% | +14.7% | +60.1% | +112.0% | +143.1% | +101.0% | +115.4% | +189.1% | +88.4% | +46.1% | -10.1% | -31.4% | -2.4% | -29.4% | -33.1% | |
| P/S Ratio | 1.00 | 0.87 | 0.99 | 0.87 | 1.11 | 0.92 | 1.16 | 1.01 | 1.25 | 1.12 | 1.21 | 0.93 | 1.13 | 1.06 | 1.51 | 1.35 | 0.97 | 0.72 | 1.12 | 1.24 | 1.52 |
| — | -5.5% | -15.1% | -14.3% | -11.4% | -17.9% | -3.7% | +8.6% | +10.8% | +6.2% | -19.7% | -30.7% | +15.8% | +45.6% | +34.3% | +9.1% | -35.8% | -4.2% | +89.6% | +107.1% | +135.2% | |
| P/B Ratio | 0.79 | 0.66 | 0.71 | 0.58 | 0.72 | 0.59 | 0.78 | 0.71 | 0.90 | 0.79 | 0.85 | 0.67 | 0.85 | 0.86 | 1.16 | 1.12 | 0.92 | 0.89 | 1.43 | 1.56 | 1.87 |
| — | +11.5% | -9.9% | -18.1% | -20.4% | -25.7% | -7.6% | +6.0% | +6.1% | -7.6% | -26.9% | -40.4% | -8.1% | -3.1% | -18.9% | -28.2% | -50.5% | -5.7% | +88.0% | +114.4% | +144.6% | |
| P/FCF | 0.61 | 0.56 | 0.53 | 0.55 | 0.73 | 0.53 | 1.09 | 0.72 | 0.97 | 0.81 | 1.38 | 0.88 | 1.04 | 0.94 | 1.33 | 1.04 | 1.04 | 1.09 | 1.40 | 1.05 | 2.29 |
| — | +5.5% | -51.7% | -23.7% | -24.5% | -34.2% | -20.6% | -18.7% | -7.1% | -13.2% | +3.3% | -15.2% | +0.7% | -14.3% | -4.8% | -1.0% | -54.7% | +44.2% | +130.3% | +171.7% | +341.0% | |
| EV / EBITDA | 16.19 | 14.34 | 14.37 | 14.15 | 125.88 | 120.41 | 121.30 | 123.42 | 108.53 | 108.98 | 106.59 | 100.10 | 66.63 | 48.08 | 37.61 | 37.45 | 33.74 | 17.28 | 17.06 | 18.02 | 21.13 |
| — | -88.1% | -88.2% | -88.5% | +16.0% | +10.5% | +13.8% | +23.3% | +62.9% | +126.6% | +183.4% | +167.3% | +97.5% | +178.2% | +120.4% | +107.7% | +59.7% | -26.7% | -46.6% | -67.4% | -69.9% | |
| EV / EBIT | 14.31 | 14.34 | 14.42 | 14.20 | 128.95 | 123.96 | 125.64 | 127.94 | 111.66 | 112.38 | 110.12 | 103.39 | 68.02 | 48.76 | 38.03 | 37.92 | 34.49 | 17.49 | 17.25 | 18.28 | 21.49 |
| — | -88.4% | -88.5% | -88.9% | +15.5% | +10.3% | +14.1% | +23.7% | +64.2% | +130.5% | +189.5% | +172.7% | +97.2% | +178.8% | +120.4% | +107.4% | +60.5% | -27.4% | -47.6% | -68.6% | -71.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 217.5% | 214.9% | 212.5% | 214.0% | 100.9% | 101.4% | 101.5% | 101.9% | 101.4% | 102.0% | 104.0% | 103.3% | 103.1% | 103.7% | 119.7% | 117.9% | 108.7% | 109.0% | 112.6% | 116.2% | 124.8% |
| — | +111.8% | +109.3% | +110.1% | -0.5% | -0.5% | -2.3% | -1.4% | -1.7% | -1.7% | -13.2% | -12.4% | -5.1% | -4.9% | +6.3% | +1.4% | -12.9% | +5.6% | +12.6% | +16.2% | +24.8% | |
| Operating Margin | 132.7% | 131.3% | 128.3% | 130.3% | 14.4% | 14.3% | 13.6% | 13.1% | 13.9% | 13.6% | 13.6% | 13.2% | 19.0% | 26.2% | 37.8% | 36.6% | 33.8% | 51.4% | 54.1% | 50.6% | 46.5% |
| — | +820.8% | +842.1% | +894.9% | +3.4% | +5.1% | +0.3% | -0.6% | -26.9% | -48.3% | -64.1% | -64.0% | -43.7% | -49.0% | -30.0% | -27.6% | -27.4% | +32.1% | +86.3% | +168.6% | +183.7% | |
| Net Margin | 9.9% | 11.3% | 10.9% | 10.6% | 9.9% | 9.8% | 9.4% | 9.0% | 9.7% | 9.5% | 9.5% | 9.2% | 13.9% | 19.2% | 28.4% | 27.5% | 26.1% | 38.0% | 40.0% | 36.4% | 36.2% |
| — | +15.1% | +16.1% | +17.3% | +2.0% | +3.7% | -1.1% | -2.0% | -29.9% | -50.4% | -66.5% | -66.4% | -46.7% | -49.6% | -29.1% | -24.6% | -27.9% | +39.6% | +97.0% | +197.4% | +244.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 2.2% | 2.0% | 1.8% | 1.6% | 1.6% | 1.6% | 1.6% | 1.8% | 1.7% | 1.7% | 1.7% | 2.7% | 4.0% | 5.6% | 5.9% | 6.3% | 12.2% | 13.3% | 11.9% | 11.4% |
| — | +35.9% | +23.4% | +11.8% | -9.3% | -6.3% | -4.5% | -4.2% | -33.0% | -57.4% | -70.2% | -71.7% | -58.0% | -67.4% | -57.7% | -50.8% | -44.7% | +38.2% | +95.8% | +213.9% | +261.5% | |
| ROA | 0.5% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.4% | 0.5% | 0.5% | 0.5% | 1.0% | 1.1% | 1.0% | 0.9% |
| — | +17.2% | +14.0% | +7.0% | -12.1% | -9.8% | -13.1% | -15.8% | -40.5% | -60.7% | -69.7% | -68.6% | -52.5% | -63.3% | -53.7% | -48.0% | -41.1% | +51.8% | +129.1% | +290.8% | +377.8% | |
| ROIC | 5.4% | 1.3% | 1.3% | 1.3% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.5% | 0.5% | 0.5% | 1.0% | 1.1% | 1.0% | 0.9% |
| — | +846.4% | +825.8% | +801.7% | -11.1% | -8.6% | -11.7% | -14.6% | -38.4% | -59.4% | -67.8% | -66.4% | -49.6% | -62.8% | -54.4% | -50.1% | -40.7% | +43.7% | +117.2% | +253.7% | +294.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 11.33 | 13.60 | 12.56 | 11.74 | 11.33 | 11.24 | 11.27 | 11.06 | 10.78 | 10.99 | 10.59 | 9.59 | 9.36 | 9.60 | 9.96 | 10.44 | 10.85 | 10.91 | 11.33 | 11.12 | 11.48 |
| — | +21.0% | +11.4% | +6.2% | +5.1% | +2.3% | +6.5% | +15.3% | +15.2% | +14.4% | +6.3% | -8.1% | -13.7% | -12.0% | -12.1% | -6.1% | -5.5% | -7.5% | -12.0% | -19.7% | -22.7% | |
| Debt / EBITDA | 13.44 | 54.76 | 54.51 | 54.03 | 474.40 | 477.56 | 474.42 | 468.00 | 417.43 | 443.35 | 430.56 | 395.24 | 255.81 | 177.05 | 135.07 | 135.78 | 132.37 | 68.52 | 64.91 | 68.73 | 78.82 |
| — | -88.5% | -88.5% | -88.5% | +13.6% | +7.7% | +10.2% | +18.4% | +63.2% | +150.4% | +218.8% | +191.1% | +93.2% | +158.4% | +108.1% | +97.6% | +67.9% | -28.2% | -51.5% | -70.0% | -72.5% | |
| Current Ratio | 0.44 | 0.22 | 0.23 | 1.53 | 0.44 | — | — | 0.08 | — | — | — | — | — | 0.03 | 0.03 | — | — | — | — | — | — |
| — | — | — | +1778.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.44 | 0.22 | 0.23 | 1.53 | 0.44 | — | — | 0.08 | — | — | — | — | — | 0.03 | 0.03 | — | — | — | — | — | — |
| — | — | — | +1778.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 1.12 | 1.14 | 1.14 | 1.13 | 0.12 | 0.12 | 0.12 | 0.12 | 0.14 | 0.14 | 0.14 | 0.16 | 0.24 | 0.38 | 0.52 | 0.56 | 0.63 | 1.46 | 1.82 | 1.79 | 1.44 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CPSS stock.
Consumer Portfolio Services, Inc.'s current P/E is 10.0x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Consumer Portfolio Services, Inc.'s current operating margin is 132.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Consumer Portfolio Services, Inc.'s business trajectory between earnings reports.