Saturday 17 October 2026
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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. 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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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
4.22 | 29.79 | 4.43 | 14.04 | 4.42 | 5.56 | 2.11 | 4.17 | 12.07 | 10.48 |
Piotroski F-Score |
6 | 5 | 6 | 4 | 5 | 7 | 6 | 6 | 3 | 4 |
P/S ratio |
0.29 | 0.22 | 0.17 | 0.22 | 0.35 | 1.00 | 0.55 | 0.54 | 0.59 | 0.47 |
P/FCF ratio |
0.64 | 0.44 | 0.31 | 0.35 | 0.40 | 1.36 | 0.84 | 0.80 | 0.99 | 0.71 |
P/Operating CF |
3.35 | 2.00 | 1.15 | 1.61 | 1.99 | 7.61 | 3.52 | 3.39 | 3.40 | 2.70 |
P/B ratio |
0.67 | 0.51 | 0.34 | 0.37 | 0.72 | 1.57 | 0.79 | 0.69 | 0.79 | 0.66 |
Price to Tangible BV |
0.67 | 0.51 | 0.34 | 0.37 | 0.72 | 1.57 | 0.79 | 0.69 | 0.79 | 0.66 |
EV/Sales |
5.20 | 5.02 | 5.63 | 6.43 | 7.08 | 7.60 | 7.54 | 7.47 | 8.20 | 8.09 |
EV/EBITDA |
6.92 | 6.77 | 8.26 | 10.27 | 13.11 | 14.99 | 13.41 | 13.43 | 14.34 | 12.99 |
EV/Operating CF |
11.19 | 10.12 | 10.14 | 10.26 | 8.05 | 10.28 | 11.51 | 11.06 | 13.80 | 12.16 |
EV/FCF |
11.25 | 10.15 | 10.19 | 10.30 | 8.05 | 10.38 | 11.63 | 11.08 | 13.82 | 12.19 |
Quick Ratio |
17.91 | 16.44 | 14.27 | 13.59 | 12.83 | 14.08 | 7.95 | 9.69 | 7.18 | 9.81 |
Current Ratio |
17.91 | 16.44 | 14.27 | 13.59 | 12.83 | 14.08 | 7.95 | 9.69 | 7.18 | 9.81 |
Net Debt/EBITDA |
6.53 | 6.48 | 8.02 | 9.92 | 12.45 | 13.02 | 12.44 | 12.46 | 13.32 | 12.24 |
Debt/Assets |
91.24% | 91.23% | 90.79% | 90.17% | 91.78% | 90.10% | 89.69% | 88.39% | 89.61% | 90.29% |
Debt/Equity |
11.81 | 12.03 | 11.45 | 11.30 | 14.77 | 11.43 | 10.81 | 9.34 | 10.69 | 11.25 |
Asset Turnover |
0.19 | 0.18 | 0.16 | 0.14 | 0.12 | 0.12 | 0.13 | 0.12 | 0.12 | 0.12 |
Operating CF/Net income |
6.70 | 57.28 | 14.55 | 40.10 | 11.01 | 4.17 | 2.51 | 5.25 | 12.17 | 14.95 |
Capex/Depreciation |
(0.12) | (0.06) | (0.09) | (0.07) | 0.00 | (0.21) | (0.22) | (0.05) | (0.04) | (0.05) |
Interest Coverage |
3.85 | 3.37 | 2.50 | 1.86 | 1.34 | 1.68 | 2.01 | 1.26 | 1.12 | 1.11 |
| 16.87% | 2.03% | 7.80% | 2.70% | 12.90% | 31.31% | 43.14% | 18.03% | 6.77% | 6.42% | |
| 1.29% | 0.16% | 0.61% | 0.22% | 0.93% | 2.21% | 3.50% | 1.60% | 0.60% | 0.53% | |
ROIC |
8.53% | 8.56% | 6.81% | 5.46% | 4.33% | 4.07% | 4.33% | 4.27% | 4.06% | 4.44% |
Return on Tangible Assets |
1.35% | 0.17% | 0.66% | 0.24% | 1.13% | 2.43% | 3.63% | 1.76% | 0.65% | 0.56% |
Average Days of Receivables |
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 |
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 |
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 |
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 |
1.31% | 1.32% | 0.90% | 0.60% | 0.71% | 0.75% | 1.34% | 0.98% | 0.75% | 0.61% |
Graham Net Nets |
0.60 | 0.84 | 1.77 | 1.78 | 0.70 | 0.42 | 1.03 | 1.28 | 1.10 | 1.37 |
Graham Number |
14.43 | 5.05 | 11.71 | 6.99 | 11.29 | 19.01 | 31.63 | 25.39 | 16.69 | 16.83 |
Earnings Yield |
23.68% | 3.36% | 22.59% | 7.12% | 22.64% | 17.97% | 47.50% | 23.98% | 8.29% | 9.54% |
Free Cash Flow Yield |
156.88% | 227.24% | 325.03% | 285.98% | 249.03% | 73.39% | 118.75% | 124.99% | 100.90% | 141.16% |
Revenue per Share |
17.34 | 19.15 | 17.73 | 15.43 | 11.99 | 11.87 | 15.73 | 16.85 | 18.48 | 19.85 |
Operating CF per Share |
8.06 | 9.51 | 9.83 | 9.67 | 10.56 | 8.78 | 10.30 | 11.39 | 10.98 | 13.20 |
Capex per Share |
(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 |
8.02 | 9.48 | 9.78 | 9.64 | 10.56 | 8.70 | 10.20 | 11.36 | 10.96 | 13.17 |
Cash per Share |
5.20 | 5.50 | 5.92 | 6.28 | 6.38 | 7.83 | 7.77 | 6.00 | 6.45 | 7.87 |
Shareholders Equity per Share |
7.65 | 8.11 | 8.96 | 9.04 | 5.90 | 7.54 | 10.90 | 13.14 | 13.75 | 14.14 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
7.65 | 8.11 | 8.96 | 9.04 | 5.90 | 7.54 | 10.90 | 13.14 | 13.75 | 14.14 |
Free Cash Flow |
195.25 | 214.98 | 215.13 | 216.03 | 238.74 | 196.22 | 213.78 | 237.42 | 233.32 | 288.29 |
Working Capital |
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 |
(1.08) | (0.67) | (1.08) | (0.75) | (0.02) | (1.98) | (2.15) | (0.56) | (0.43) | (0.71) |
Net Current Asset Value |
74.87 | 79.59 | 117.32 | 134.15 | 66.69 | 112.46 | 185.58 | 243.70 | 255.05 | 279.93 |
EV/EBIT |
7.13 | 7.01 | 8.66 | 10.83 | 14.17 | 16.11 | 14.16 | 14.19 | 15.11 | 13.67 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
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 |
4.54 | 6.27 | 6.59 | 7.35 | 13.31 | 8.36 | 5.92 | 7.68 | 12.13 | 17.45 |
Cash ROIC |
7.77% | 8.53% | 8.33% | 8.20% | 10.63% | 8.56% | 7.47% | 8.00% | 6.55% | 7.27% |
Accounts Receivable Turnover |
0.21 | 0.20 | 0.17 | 0.15 | 0.13 | 0.14 | 0.15 | 0.13 | 0.13 | 0.12 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
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 |
27.24 | 26.85 | 30.20 | 39.38 | 45.09 | 43.38 | 49.53 | 58.98 | 66.35 | 67.70 |
Average Assets |
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 |
173.69 | 185.08 | 190.53 | 199.88 | 168.00 | 151.78 | 199.30 | 251.53 | 283.72 | 301.15 |
Columns are period end dates