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Consumer Portfolio Services, Inc.

Consumer Portfolio Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $434.5 million, up 10.4% from fiscal 2024. In the quarter to June 2026, revenue grew 10.6%, EPS grew 31.8%, free cash flow grew 94.9% and total debt rose 18.1%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

9.11 0.06 −0.65%

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Market cap: $200.9M
P/E: 9.2×
Fwd P/E: 6.8×
Dividend yield: —
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	4.22	29.79	4.43	14.04	4.42	5.56	2.11	4.17	12.07	10.48
Piotroski F-Score Full definition →	6	5	6	4	5	7	6	6	3	4
P/S ratio Full definition →	0.29	0.22	0.17	0.22	0.35	1.00	0.55	0.54	0.59	0.47
P/FCF ratio Full definition →	0.64	0.44	0.31	0.35	0.40	1.36	0.84	0.80	0.99	0.71
P/Operating CF Full definition →	3.35	2.00	1.15	1.61	1.99	7.61	3.52	3.39	3.40	2.70
P/B ratio Full definition →	0.67	0.51	0.34	0.37	0.72	1.57	0.79	0.69	0.79	0.66
Price to Tangible BV Full definition →	0.67	0.51	0.34	0.37	0.72	1.57	0.79	0.69	0.79	0.66
EV/Sales Full definition →	5.20	5.02	5.63	6.43	7.08	7.60	7.54	7.47	8.20	8.09
EV/EBITDA Full definition →	6.92	6.77	8.26	10.27	13.11	14.99	13.41	13.43	14.34	12.99
EV/Operating CF Full definition →	11.19	10.12	10.14	10.26	8.05	10.28	11.51	11.06	13.80	12.16
EV/FCF Full definition →	11.25	10.15	10.19	10.30	8.05	10.38	11.63	11.08	13.82	12.19
Quick Ratio Full definition →	17.91	16.44	14.27	13.59	12.83	14.08	7.95	9.69	7.18	9.81
Current Ratio Full definition →	17.91	16.44	14.27	13.59	12.83	14.08	7.95	9.69	7.18	9.81
Net Debt/EBITDA Full definition →	6.53	6.48	8.02	9.92	12.45	13.02	12.44	12.46	13.32	12.24
Debt/Assets Full definition →	91.24%	91.23%	90.79%	90.17%	91.78%	90.10%	89.69%	88.39%	89.61%	90.29%
Debt/Equity Full definition →	11.81	12.03	11.45	11.30	14.77	11.43	10.81	9.34	10.69	11.25
Asset Turnover Full definition →	0.19	0.18	0.16	0.14	0.12	0.12	0.13	0.12	0.12	0.12
Operating CF/Net income Full definition →	6.70	57.28	14.55	40.10	11.01	4.17	2.51	5.25	12.17	14.95
Capex/Depreciation Full definition →	(0.12)	(0.06)	(0.09)	(0.07)	0.00	(0.21)	(0.22)	(0.05)	(0.04)	(0.05)
Interest Coverage Full definition →	3.85	3.37	2.50	1.86	1.34	1.68	2.01	1.26	1.12	1.11
ROE Full definition →	16.87%	2.03%	7.80%	2.70%	12.90%	31.31%	43.14%	18.03%	6.77%	6.42%
ROA Full definition →	1.29%	0.16%	0.61%	0.22%	0.93%	2.21%	3.50%	1.60%	0.60%	0.53%
ROIC Full definition →	8.53%	8.56%	6.81%	5.46%	4.33%	4.07%	4.33%	4.27%	4.06%	4.44%
Return on Tangible Assets Full definition →	1.35%	0.17%	0.66%	0.24%	1.13%	2.43%	3.63%	1.76%	0.65%	0.56%
Average Days of Receivables Full definition →	1,877.69	1,845.07	2,131.12	2,459.29	2,604.73	2,623.97	2,819.81	2,848.70	3,078.34	3,071.74
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	26.85%	28.16%	34.77%	40.27%	49.35%	52.18%	39.26%	47.08%	45.56%	40.62%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	1.31%	1.32%	0.90%	0.60%	0.71%	0.75%	1.34%	0.98%	0.75%	0.61%
Graham Net Nets Full definition →	0.60	0.84	1.77	1.78	0.70	0.42	1.03	1.28	1.10	1.37
Graham Number Full definition →	14.43	5.05	11.71	6.99	11.29	19.01	31.63	25.39	16.69	16.83
Earnings Yield Full definition →	23.68%	3.36%	22.59%	7.12%	22.64%	17.97%	47.50%	23.98%	8.29%	9.54%
Free Cash Flow Yield Full definition →	156.88%	227.24%	325.03%	285.98%	249.03%	73.39%	118.75%	124.99%	100.90%	141.16%
Revenue per Share Full definition →	17.34	19.15	17.73	15.43	11.99	11.87	15.73	16.85	18.48	19.85
Operating CF per Share Full definition →	8.06	9.51	9.83	9.67	10.56	8.78	10.30	11.39	10.98	13.20
Capex per Share Full definition →	(0.04)	(0.03)	(0.05)	(0.03)	0.00	(0.09)	(0.10)	(0.03)	(0.02)	(0.03)
Free Cash Flow per Share Full definition →	8.02	9.48	9.78	9.64	10.56	8.70	10.20	11.36	10.96	13.17
Cash per Share Full definition →	5.20	5.50	5.92	6.28	6.38	7.83	7.77	6.00	6.45	7.87
Shareholders Equity per Share Full definition →	7.65	8.11	8.96	9.04	5.90	7.54	10.90	13.14	13.75	14.14
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	7.65	8.11	8.96	9.04	5.90	7.54	10.90	13.14	13.75	14.14
Free Cash Flow Full definition →	195.25	214.98	215.13	216.03	238.74	196.22	213.78	237.42	233.32	288.29
Working Capital Full definition →	2,170.72	2,179.37	2,237.35	2,288.89	1,917.11	1,952.57	2,369.21	2,576.21	2,975.10	3,438.47
Capital Expenditures Full definition →	(1.08)	(0.67)	(1.08)	(0.75)	(0.02)	(1.98)	(2.15)	(0.56)	(0.43)	(0.71)
Net Current Asset Value Full definition →	74.87	79.59	117.32	134.15	66.69	112.46	185.58	243.70	255.05	279.93
EV/EBIT Full definition →	7.13	7.01	8.66	10.83	14.17	16.11	14.16	14.19	15.11	13.67
Capex to Sales Full definition →	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.00	0.00	0.00
Price to Operating Income Full definition →	0.40	0.30	0.26	0.37	0.71	2.12	1.03	1.02	1.08	0.79
Other line items
Depreciation/Fixed assets Full definition →	4.54	6.27	6.59	7.35	13.31	8.36	5.92	7.68	12.13	17.45
Cash ROIC Full definition →	7.77%	8.53%	8.33%	8.20%	10.63%	8.56%	7.47%	8.00%	6.55%	7.27%
Accounts Receivable Turnover Full definition →	0.21	0.20	0.17	0.15	0.13	0.14	0.15	0.13	0.13	0.12
Accounts Payable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	2,040.93	2,184.08	2,235.79	2,302.85	2,132.50	1,930.18	2,236.23	2,647.26	3,033.05	3,487.56
Average Payables Full definition →	27.24	26.85	30.20	39.38	45.09	43.38	49.53	58.98	66.35	67.70
Average Assets Full definition →	2,269.66	2,417.62	2,455.26	2,512.46	2,342.57	2,152.74	2,456.17	2,828.26	3,198.81	3,676.03
Average Common Equity Full definition →	173.69	185.08	190.53	199.88	168.00	151.78	199.30	251.53	283.72	301.15

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