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Consumer Portfolio Services, Inc.

CPSS Financial Credit Services

Consumer Portfolio Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $434.5 million, up 10.4% from fiscal 2024.

Revenue
+21.7%
EPS
+45.5%
Free cash flow
+11.0%
Total debt
+28.5%

Quarter to September 2026, against a year earlier

10.00 0.12 +1.21%
Market cap
$215.9M
P/E
9.1×
Fwd P/E
6.8×
Dividend yield
—
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 2.39
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 — — 1 — — 1 — 3 1 — —
Insider Ownership 60.04%

Capital & Financial Ratios $m

Size
Market Cap 215.88
Revenue ttm 475.04
Net income ttm 23.71
Free cash flow ttm 358.83
Net debt Q 4,233.78
Valuation
P/E 9.13
Forward P/E 6.82
Price / sales 0.46
Forward P/S Powerpack
Price / FCF 0.61
Price / book 0.67
Financial health
Current ratio Q 5.79
Debt / equity Q 13.60
Interest coverage Q 1.14
Growth
Revenue growth Q +21.66% (above 0%: growing)
Operating income growth Q +21.88% (above 0%: growing)
EPS, this year +48.10% (at or above 15%: strong)
EPS, next year A +109.40% (at or above 15%: strong)
Revenue, next year A +10.89% (at or above 10%: strong)
EPS, past 5 yrs −2.33% (below 0%: weak)
EPS, next 5 yrs A −6.27% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 75.50%
10-year low 10-year high
P/S against its own 10 years 62.67%
10-year low 10-year high
P/B against its own 10 years 59.99%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 125 137 172 180
Receivables 2,747 3,319 3,656 4,625
Inventory — — — —
Other — — — —
2,873 3,456 3,829 4,805
2023 2024 2025 Q'26
Payables 63 70 65 94
ST’ Debt 234 411 325 736
Other — — — —
297 481 390 829

Compound Annual Growth %

10y 5y 3y
Sales 1.80% 9.89% 9.63%
Cash Flow 4.42% 3.89% 10.20%
Earnings (5.68%) (2.27%) (39.20%)
Book Value 6.74% 18.34% 10.67%

Earnings Trends EPS, adjusted, against the consensus

Q4 FY25 Estimate 0.23 Actual 0.21

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY25 0.30 0.19 Miss by 0.11
Q2 FY25 0.26 0.20 Miss by 0.06
Q3 FY25 0.25 0.20 Miss by 0.05
Q4 FY25 0.23 0.21 Miss by 0.02

EPS $

Mar Jun Sep Dec Year
’26 0.24 0.27 0.30 — —
’25 0.19 0.20 0.20 0.21 0.80
’24 0.19 0.19 0.20 0.21 0.79
’23 0.54 0.55 0.41 0.29 1.80
’22 0.75 0.91 0.95 0.59 3.23
’21 0.21 0.39 0.52 0.71 1.84
’20 0.45 0.13 0.16 0.17 0.90
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 112 121 132 — —
’25 107 110 108 109 434
’24 92 96 101 105 394
’23 83 85 92 92 352
’22 74 82 90 83 330
’21 63 67 69 69 268
’20 71 67 71 62 271
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 84 106 95 — —
’25 74 54 85 76 289
’24 53 43 70 68 234
’23 65 56 61 56 238
’22 68 51 45 51 216
’21 65 47 51 35 198
’20 64 65 61 48 239
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 83 106 94 — —
’25 73 54 85 76 288
’24 53 43 70 68 233
’23 65 55 61 56 237
’22 68 51 44 51 214
’21 65 46 50 35 196
’20 64 65 61 49 239
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 422 434 390 346 271 268 330 352 394 434 475 +0.3% 482 — — +10.9%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 50 32 19 9 20 66 116 61 27 28 34 (6.2%)
EBT margin, % 11.76 7.38 4.80 2.65 7.42 24.55 35.24 17.36 6.97 6.45 7.23 (5.3) pt
Net income 29 4 15 5 22 48 86 45 19 19 24 (4.5%)
Per share, $
Per share, $ Revenue 17.34 19.15 17.73 15.43 11.99 11.87 15.73 16.85 18.48 19.85 21.75 +1.5%
Earnings 1.20 0.17 0.68 0.24 0.96 2.11 4.10 2.17 0.90 0.88 1.09 (3.4%)
Cash flow 8.06 9.51 9.83 9.67 10.56 8.78 10.30 11.39 10.98 13.20 16.49 +5.6%
Capex (0.04) (0.03) (0.05) (0.03) 0.00 (0.09) (0.10) (0.03) (0.02) (0.03) (0.07) (3.4%)
Free cash flow 8.02 9.48 9.78 9.64 10.56 8.70 10.20 11.36 10.96 13.17 16.43 +5.7%
Book value 7.65 8.11 8.96 9.04 5.90 7.54 10.90 13.14 13.75 14.14 14.85 +7.1%
Shares, m 24 23 22 22 23 23 21 21 21 22 22 (1.2%)
Valuation, ×
Valuation, × P/E 4.22 29.79 4.43 14.04 4.42 5.56 2.11 4.17 12.07 10.48 9.13 9.1
P/S 0.29 0.22 0.17 0.22 0.35 1.00 0.55 0.54 0.59 0.47 0.46 0.4
P/B 0.67 0.51 0.34 0.37 0.72 1.57 0.79 0.69 0.79 0.66 0.67 0.7
EV/Sales 5.20 5.02 5.63 6.43 7.08 7.60 7.54 7.47 8.20 8.09 — 6.8
EV/FCF 11.25 10.15 10.19 10.30 8.05 10.38 11.63 11.08 13.82 12.19 — 10.9
Cash, $m
Cash, $m Operating cash flow 196 216 216 217 239 198 216 238 234 289 360 +4.4%
Capex (1) (1) (1) (1) 0 (2) (2) (1) 0 (1) (1) (4.6%)
Free cash flow 195 215 215 216 239 196 214 237 233 288 359 +4.4%
Balance, $m
Balance, $m Working capital 2,171 2,179 2,237 2,289 1,917 1,953 2,369 2,576 2,975 3,438 3,975 +5.2%
Net debt 2,073 2,087 2,127 2,149 1,825 1,769 2,306 2,441 2,994 3,311 4,234 +5.3%
Shareholders’ equity 186 184 197 203 133 170 228 275 293 310 324 +5.8%
Returns, %
Returns, % ROA 1.29 0.16 0.61 0.22 0.93 2.21 3.50 1.60 0.60 0.53 0.55 (0.8) pt
ROIC 8.53 8.56 6.81 5.46 4.33 4.07 4.33 4.27 4.06 4.44 3.92 (4.1) pt
ROE 16.87 2.03 7.80 2.70 12.90 31.31 43.14 18.03 6.77 6.42 7.50 (10.4) pt
People
People Employees 960 999 1,032 1,010 787 739 792 890 933 928 — (0.4%)
Revenue/emp, $m 0.44 0.43 0.38 0.34 0.34 0.36 0.42 0.40 0.42 0.47 — +0.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Consumer Portfolio Services, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
RM Regional Management Corp. $336.6M 7.2× 7.2× +8.03% (above 0%: growing) +9.80% (above 0%: growing) −5.64% (below 0%: shrinking) 100.00% 24.60% Compare
PMTS CPI Card Group Inc. $286.3M 17.1× 14.7× +14.78% (above 0%: growing) +115.00% (above 0%: growing) +90.21% (above 0%: growing) 31.73% 9.89% Compare
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00% Compare
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10%
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
HTT High Templar Tech Limited - Sponsored ADR $161.2M 2.9× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
Median of peers $222.9M 5.0× 7.2× +4.22% −10.95% +42.29% 62.29% 4.95%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 30 September 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.44m 3.86m 105.42
2024 4.17m 3.26m 122.71
2023 4.00m 4.59m 105.88
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Consumer Portfolio Services, Inc. (CPSS) Latest News

26 Oct

Impact 4 · · MarketBeat transcript

24 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · GlobeNewswire

21 Oct

Impact 4 · · GlobeNewswire

13 Oct

Impact 4 · · GlobeNewswire

18 Aug

Impact 3 ·

5 Aug

Impact 4 · transcript
Impact 3 · · MarketBeat transcript

4 Aug

Impact 3 ·

22 Jul

Impact 3 ·

9 Jul

Impact 3 ·

6 May

Impact 4 · · MarketBeat

5 May

Impact 3 · · GlobeNewswire

22 Apr

Impact 4 ·

6 Apr

Impact 4 · · GlobeNewswire

11 Mar

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · Moby

10 Mar

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

9 Mar

Impact 3 · · GlobeNewswire

27 Jan

Impact 4 · · GlobeNewswire

13 Jan

Impact 4 · · GlobeNewswireZacksSimply Wall St.Simply Wall St.ZacksInsider MonkeyInsider Monkey

8 Dec

Impact 4 ·

12 Nov

Impact 3 · · Business Wire

11 Nov

Impact 4 · · GuruFocus.com
Impact 3 · · Zacks Small Cap Research

10 Nov

Impact 4 · · GlobeNewswireMT NewswiresZacks

23 Oct

Impact 4 · · GlobeNewswire
Impact 4 · · GlobeNewswire
stockrow.com/CPSS · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com