Consumer Portfolio Services, Inc. (CPSS) P/E Ratio History
Historical price-to-earnings valuation from 1997 to 2025
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CPSS Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Consumer Portfolio Services, Inc. (CPSS) trades at a price-to-earnings ratio of 12.8x, with a stock price of $10.27 and trailing twelve-month earnings per share of $0.81.
The current P/E is 90% above its 5-year average of 6.8x. Over the past five years, CPSS's P/E has ranged from a low of 2.2x to a high of 13.7x, placing the current valuation at the 95th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, CPSS is roughly in line with its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, CPSS trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CPSS DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CPSS P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $825M | 12.7 | - | +6% | |
| $5B | 13.9 | 1.41 | +89%Best | |
| $7B | 8.5 | 2.16 | +55% | |
| $14B | 18.5 | - | +32% | |
| $119B | 47.8 | - | -65% | |
| $4B | 6.5Lowest | 0.73 | +29% | |
| $6B | 12.4 | - | +6% | |
| $7B | 12.0 | 0.38Best | +1% | |
| $11B | 12.2 | 0.76 | -2% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
CPSS Historical P/E Data (1997–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $9.33 | $0.80 | 11.7x | -26% |
| FY2025 Q3 | $7.55 | $0.80 | 9.4x | -40% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $9.83 | $0.80 | 12.3x | -22% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $8.67 | $0.79 | 11.0x | -31% |
| FY2024 Q4 | $10.86 | $0.79 | 13.7x | -13% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $9.38 | $0.87 | 10.8x | -32% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $9.80 | $1.08 | 9.1x | -43% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $7.56 | $1.44 | 5.3x | -67% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $9.37 | $1.79 | 5.2x | -67% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $9.07 | $2.09 | 4.3x | -73% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $11.67 | $2.63 | 4.4x | -72% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $10.69 | $2.99 | 3.6x | -77% |
Average P/E for displayed period: 15.8x
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Start ComparisonCPSS — Frequently Asked Questions
Quick answers to the most common questions about buying CPSS stock.
Is CPSS stock overvalued or undervalued?
CPSS trades at 12.8x P/E, above its 5-year average of 6.8x. The 95th percentile ranking indicates a premium to historical valuation.
How does CPSS's valuation compare to peers?
Consumer Portfolio Services, Inc. P/E of 12.8x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is CPSS's PEG ratio?
CPSS PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 1997-2025.