Last 48 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 8.1x, down 29.4% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 88.5% YoY to 14.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.91 | 8.05 | 11.11 | 9.44 | 12.29 | 11.41 | 12.93 | 11.72 | 12.89 | 9.95 | 8.08 | 5.53 | 5.30 |
| — | -29.4% | -14.1% | -19.5% | -4.7% | +14.7% | +60.1% | +112.0% | +143.1% | +101.0% | +115.4% | +189.1% | +88.4% | |
| P/S Ratio | 0.48 | 0.40 | 0.51 | 0.42 | 0.54 | 0.49 | 0.63 | 0.56 | 0.62 | 0.51 | 0.63 | 0.62 | 0.87 |
| — | -17.9% | -19.1% | -25.7% | -12.7% | -2.7% | -1.2% | -9.3% | -28.9% | -37.9% | -0.2% | +15.8% | +0.8% | |
| P/B Ratio | 0.74 | 0.58 | 0.72 | 0.59 | 0.78 | 0.71 | 0.90 | 0.79 | 0.85 | 0.67 | 0.85 | 0.86 | 1.16 |
| — | -18.1% | -20.4% | -25.7% | -7.6% | +6.0% | +6.1% | -7.6% | -26.9% | -40.4% | -8.1% | -3.1% | -18.9% | |
| P/FCF | 0.72 | 0.55 | 0.74 | 0.53 | 1.09 | 0.72 | 0.97 | 0.81 | 1.38 | 0.88 | 1.04 | 0.94 | 1.33 |
| — | -23.7% | -24.1% | -34.6% | -20.6% | -18.7% | -7.1% | -13.2% | +3.3% | -15.2% | +0.7% | -14.3% | -4.8% | |
| EV / EBITDA | 14.21 | 14.15 | 125.88 | 120.41 | 121.30 | 123.42 | 108.53 | 108.98 | 106.59 | 100.10 | 66.63 | 48.08 | 37.61 |
| — | -88.5% | +16.0% | +10.5% | +13.8% | +23.3% | +62.9% | +126.6% | +183.4% | +167.3% | +97.5% | +178.2% | +120.4% | |
| EV / EBIT | 14.26 | 14.20 | 128.95 | 123.96 | 125.64 | 127.94 | 111.66 | 112.38 | 110.12 | 103.39 | 68.02 | 48.76 | 38.03 |
| — | -88.9% | +15.5% | +10.3% | +14.1% | +23.7% | +64.2% | +130.5% | +189.5% | +172.7% | +97.2% | +178.8% | +120.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Consumer Portfolio Services, Inc.'s operating margin was 60.6% in Q1 2026, up 54.0 pp QoQ and up 54.2 pp YoY. This marks the 4th 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 101.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.6% | 99.6% | 46.2% | 46.1% | 47.2% | 49.5% | 50.8% | 51.2% | 53.3% | 56.0% | 57.9% | 61.0% | 69.4% |
| — | +101.1% | -9.0% | -9.9% | -11.4% | -11.6% | -12.3% | -16.1% | -23.1% | -21.5% | -18.3% | -24.3% | -20.2% | |
| Operating Margin | 60.8% | 60.6% | 6.6% | 6.5% | 6.3% | 6.4% | 7.0% | 6.8% | 7.0% | 7.1% | 10.7% | 15.4% | 21.9% |
| — | +852.4% | -5.5% | -4.8% | -9.0% | -10.9% | -34.8% | -55.9% | -68.3% | -67.8% | -51.5% | -59.4% | -47.4% | |
| Net Margin | 4.5% | 4.9% | 4.6% | 4.5% | 4.4% | 4.4% | 4.9% | 4.8% | 4.9% | 5.0% | 7.8% | 11.3% | 16.4% |
| — | +12.3% | -6.8% | -6.1% | -10.3% | -12.2% | -37.5% | -57.7% | -70.4% | -69.9% | -54.1% | -59.9% | -46.7% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 1.8% | 1.6% | 1.6% | 1.6% | 1.6% | 1.8% | 1.7% | 1.7% | 1.7% | 2.7% | 4.0% | 5.6% |
| — | +11.8% | -9.3% | -6.3% | -4.5% | -4.2% | -33.0% | -57.4% | -70.2% | -71.7% | -58.0% | -67.4% | -57.7% | |
| ROA | 0.5% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.4% | 0.5% |
| — | +7.0% | -12.1% | -9.8% | -13.1% | -15.8% | -40.5% | -60.7% | -69.7% | -68.6% | -52.5% | -63.3% | -53.7% | |
| ROIC | 5.4% | 1.3% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.5% |
| — | +801.7% | -11.1% | -8.6% | -11.7% | -14.6% | -38.4% | -59.4% | -67.8% | -66.4% | -49.6% | -62.8% | -54.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Consumer Portfolio Services, Inc.'s Debt/EBITDA ratio is 54.0x, down from 474.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1778.9% YoY to 1.53x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 11.33 | 11.74 | 11.33 | 11.24 | 11.27 | 11.06 | 10.78 | 10.99 | 10.59 | 9.59 | 9.36 | 9.60 | 9.96 |
| — | +6.2% | +5.1% | +2.3% | +6.5% | +15.3% | +15.2% | +14.4% | +6.3% | -8.1% | -13.7% | -12.0% | -12.1% | |
| Debt / EBITDA | 13.44 | 54.03 | 474.40 | 477.56 | 474.42 | 468.00 | 417.43 | 443.35 | 430.56 | 395.24 | 255.81 | 177.05 | 135.07 |
| — | -88.5% | +13.6% | +7.7% | +10.2% | +18.4% | +63.2% | +150.4% | +218.8% | +191.1% | +93.2% | +158.4% | +108.1% | |
| Current Ratio | 0.44 | 1.53 | 0.44 | — | — | 0.08 | — | — | — | — | — | 0.03 | 0.03 |
| — | +1778.9% | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.44 | 1.53 | 0.44 | — | — | 0.08 | — | — | — | — | — | 0.03 | 0.03 |
| — | +1778.9% | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 1.12 | 1.13 | 0.12 | 0.12 | 0.12 | 0.12 | 0.14 | 0.14 | 0.14 | 0.16 | 0.24 | 0.38 | 0.52 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CPSS stock.
Consumer Portfolio Services, Inc.'s current P/E is 11.9x. The average P/E over the last 4 quarters is 10.2x. 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.