Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Consumer Portfolio Services, Inc.'s quarterly P/E stands at 11.1x, down 14.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 87.1% YoY to 14.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.84 | 11.11 | 9.44 | 12.29 | 11.41 | 12.93 | 11.72 | 12.89 | 9.95 | 8.08 | 5.53 | 5.30 | 4.95 |
| — | -14.1% | -19.5% | -4.7% | +14.7% | +60.1% | +112.0% | +143.1% | +101.0% | +115.4% | +189.1% | +88.4% | +46.1% | |
| P/S Ratio | 0.52 | 0.51 | 0.42 | 0.54 | 0.49 | 0.63 | 0.56 | 0.62 | 0.51 | 0.63 | 0.62 | 0.87 | 0.82 |
| — | -19.1% | -25.7% | -12.7% | -2.7% | -1.2% | -9.3% | -28.9% | -37.9% | -0.2% | +15.8% | +0.8% | -15.2% | |
| P/B Ratio | 0.80 | 0.72 | 0.59 | 0.78 | 0.71 | 0.90 | 0.79 | 0.85 | 0.67 | 0.85 | 0.86 | 1.16 | 1.12 |
| — | -20.4% | -25.7% | -7.6% | +6.0% | +6.1% | -7.6% | -26.9% | -40.4% | -8.1% | -3.1% | -18.9% | -28.2% | |
| P/FCF | 0.77 | 0.74 | 0.53 | 1.09 | 0.72 | 0.97 | 0.81 | 1.38 | 0.88 | 1.04 | 0.94 | 1.33 | 1.04 |
| — | -24.1% | -34.6% | -20.6% | -18.7% | -7.1% | -13.2% | +3.3% | -15.2% | +0.7% | -14.3% | -4.8% | -1.0% | |
| EV / EBITDA | 14.27 | 13.95 | 120.41 | 121.30 | 123.42 | 108.53 | 108.98 | 106.59 | 100.10 | 66.63 | 48.08 | 37.61 | 37.45 |
| — | -87.1% | +10.5% | +13.8% | +23.3% | +62.9% | +126.6% | +183.4% | +167.3% | +97.5% | +178.2% | +120.4% | +107.7% | |
| EV / EBIT | 14.32 | 13.99 | 123.96 | 125.64 | 127.94 | 111.66 | 112.38 | 110.12 | 103.39 | 68.02 | 48.76 | 38.03 | 37.92 |
| — | -87.5% | +10.3% | +14.1% | +23.7% | +64.2% | +130.5% | +189.5% | +172.7% | +97.2% | +178.8% | +120.4% | +107.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Consumer Portfolio Services, Inc.'s operating margin was 60.8% in Q4 2025, up 54.3 pp QoQ and up 53.8 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 20.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 96.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.6% | 100.0% | 46.1% | 47.2% | 49.5% | 50.8% | 51.2% | 53.3% | 56.0% | 57.9% | 61.0% | 69.4% | 71.4% |
| — | +96.8% | -9.9% | -11.4% | -11.6% | -12.3% | -16.1% | -23.1% | -21.5% | -18.3% | -24.3% | -20.2% | -21.2% | |
| Operating Margin | 60.8% | 60.8% | 6.5% | 6.3% | 6.4% | 7.0% | 6.8% | 7.0% | 7.1% | 10.7% | 15.4% | 21.9% | 22.2% |
| — | +771.0% | -4.8% | -9.0% | -10.9% | -34.8% | -55.9% | -68.3% | -67.8% | -51.5% | -59.4% | -47.4% | -43.8% | |
| Net Margin | 4.5% | 4.6% | 4.5% | 4.4% | 4.4% | 4.9% | 4.8% | 4.9% | 5.0% | 7.8% | 11.3% | 16.4% | 16.6% |
| — | -6.8% | -6.1% | -10.3% | -12.2% | -37.5% | -57.7% | -70.4% | -69.9% | -54.1% | -59.9% | -46.7% | -41.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 1.6% | 1.6% | 1.6% | 1.6% | 1.8% | 1.7% | 1.7% | 1.7% | 2.7% | 4.0% | 5.6% | 5.9% |
| — | -9.3% | -6.3% | -4.5% | -4.2% | -33.0% | -57.4% | -70.2% | -71.7% | -58.0% | -67.4% | -57.7% | -50.8% | |
| ROA | 0.5% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.4% | 0.5% | 0.5% |
| — | -12.1% | -9.8% | -13.1% | -15.8% | -40.5% | -60.7% | -69.7% | -68.6% | -52.5% | -63.3% | -53.7% | -48.0% | |
| ROIC | 5.4% | 1.3% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.5% | 0.5% |
| — | +719.5% | -8.6% | -11.7% | -14.6% | -38.4% | -59.4% | -67.8% | -66.4% | -49.6% | -62.8% | -54.4% | -50.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Consumer Portfolio Services, Inc.'s Debt/EBITDA ratio is 52.6x, down from 477.6x last quarter — elevated, raising questions about debt serviceability.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 11.33 | 11.33 | 11.24 | 11.27 | 11.06 | 10.78 | 10.99 | 10.59 | 9.59 | 9.36 | 9.60 | 9.96 | 10.44 |
| — | +5.1% | +2.3% | +6.5% | +15.3% | +15.2% | +14.4% | +6.3% | -8.1% | -13.7% | -12.0% | -12.1% | -6.1% | |
| Debt / EBITDA | 13.44 | 52.58 | 477.56 | 474.42 | 468.00 | 417.43 | 443.35 | 430.56 | 395.24 | 255.81 | 177.05 | 135.07 | 135.78 |
| — | -87.4% | +7.7% | +10.2% | +18.4% | +63.2% | +150.4% | +218.8% | +191.1% | +93.2% | +158.4% | +108.1% | +97.6% | |
| Current Ratio | 0.44 | 0.44 | — | — | 0.08 | — | — | — | — | — | 0.03 | 0.03 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.44 | 0.44 | — | — | 0.08 | — | — | — | — | — | 0.03 | 0.03 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 1.12 | 1.12 | 0.12 | 0.12 | 0.12 | 0.14 | 0.14 | 0.14 | 0.16 | 0.24 | 0.38 | 0.52 | 0.56 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Consumer Portfolio Services, Inc.'s current P/E is 12.8x. The average P/E over the last 4 quarters is 11.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Consumer Portfolio Services, Inc.'s current operating margin is 60.8%. 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.