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