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Friday 6 November 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.
- Revenue
- +21.7%
- EPS
- +45.5%
- Free cash flow
- +11.0%
- Total debt
- +28.5%
Quarter to September 2026, against a year earlier
10.18
0.30
+3.04%
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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
10.48 | 8.40 | 9.70 | 8.40 |
P/S ratio |
0.47 | 0.38 | 0.46 | 0.42 | |
P/FCF ratio |
0.71 | 0.57 | 0.59 | 0.56 | |
P/Operating CF |
2.70 | 2.01 | 1.96 | 2.11 | |
P/B ratio |
0.66 | 0.54 | 0.65 | 0.62 | |
Price to Tangible BV |
0.66 | 0.54 | 0.65 | 0.62 | |
EV/Sales |
8.09 | 8.30 | 8.94 | — | |
EV/EBITDA |
12.99 | 13.16 | 14.15 | — | |
EV/Operating CF |
12.16 | 12.21 | 11.51 | — | |
EV/FCF |
12.19 | 12.26 | 11.55 | — | |
Quick Ratio |
9.81 | 7.48 | 5.67 | 5.79 | |
Current Ratio |
9.81 | 7.48 | 5.67 | 5.79 | |
Net Debt/EBITDA |
48.89 | 48.54 | 49.90 | 49.90 | |
Debt/Assets |
90.29% | 90.51% | 90.64% | 91.35% | |
Debt/Equity |
11.25 | 11.67 | 12.56 | 13.60 | |
Asset Turnover |
0.12 | 0.11 | 0.11 | 0.11 | |
Operating CF/Net income |
15.21 | 15.13 | 17.02 | 13.61 | |
Capex/Depreciation |
(0.02) | (0.22) | (0.05) | (0.09) | |
Interest Coverage |
1.08 | 1.13 | 1.14 | 1.14 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
41.07% | 39.19% | 39.42% | 38.70% | |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | |
Share Based Compensation of Revenue |
0.74% | 0.46% | 0.48% | 0.41% | |
Graham Net Nets |
1.37 | 1.68 | 1.39 | 1.49 | |
Graham Number |
16.83 | 17.29 | 18.13 | 19.09 | |
Earnings Yield |
9.54% | 11.90% | 10.31% | 11.90% | |
Free Cash Flow Yield |
141.16% | 176.96% | 168.27% | 179.32% | |
Revenue per Share |
5.00 | 5.16 | 5.61 | 6.04 | |
Operating CF per Share |
3.46 | 3.85 | 4.90 | 4.33 | |
Capex per Share |
0.00 | (0.04) | (0.01) | (0.02) | |
Free Cash Flow per Share |
3.46 | 3.81 | 4.90 | 4.31 | |
Cash per Share |
7.87 | 8.51 | 8.33 | 8.24 | |
Shareholders Equity per Share |
14.14 | 14.44 | 14.76 | 14.85 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
14.14 | 14.44 | 14.76 | 14.85 | |
Free Cash Flow |
75.69 | 82.99 | 105.92 | 94.24 | |
Working Capital |
3,437.95 | 3,483.80 | 3,617.77 | 3,975.27 | |
Capital Expenditures |
(0.06) | (0.80) | (0.17) | (0.40) | |
Net Current Asset Value |
279.41 | 282.76 | 289.40 | 297.21 | |
EV/EBIT |
13.67 | 13.86 | 14.89 | — | |
Capex to Sales |
0.00 | 0.01 | 0.00 | 0.00 | |
Price to Operating Income |
0.79 | 0.64 | 0.77 | 0.70 | |
| Other line items | |||||
Average Receivables |
3,487.30 | 3,643.88 | 3,886.43 | 4,125.25 | |
Average Payables |
67.70 | 72.78 | 81.31 | 80.31 | |
Average Assets |
3,676.03 | 3,863.20 | 4,093.01 | 4,320.87 | |
Average Common Equity |
301.15 | 306.39 | 311.17 | 316.03 |
Columns are period end dates · fundamentals updated 6 Nov 2026