Consumer Portfolio Services, Inc. Logo

Consumer Portfolio Services, Inc.

CPSS

(2.0)
Stock Price

10,57 USD

0.82% ROA

9.76% ROE

7.51x PER

Market Cap.

202.180.908,00 USD

1049.47% DER

0% Yield

8.46% NPM

Consumer Portfolio Services, Inc. Stock Analysis

Consumer Portfolio Services, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Consumer Portfolio Services, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (28.51%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.82x) suggests it's undervalued, making it an attractive opportunity for investors.

3 ROA

The stock's ROA (2.36%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

5 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (72) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (996%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

Consumer Portfolio Services, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Consumer Portfolio Services, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Consumer Portfolio Services, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Consumer Portfolio Services, Inc. Revenue
Year Revenue Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 47.670.000 100%
2002 68.027.000 29.92%
2003 77.073.000 11.74%
2004 100.545.000 23.34%
2005 142.028.000 29.21%
2006 185.751.000 23.54%
2007 255.361.000 27.26%
2008 212.158.000 -20.36%
2009 112.127.000 -89.21%
2010 72.959.000 -53.68%
2011 60.077.000 -21.44%
2012 107.786.000 44.26%
2013 186.649.000 42.25%
2014 249.861.000 25.3%
2015 305.905.000 18.32%
2016 342.341.000 10.64%
2017 342.038.000 -0.09%
2018 288.309.000 -18.64%
2019 235.272.000 -22.54%
2020 169.823.000 -38.54%
2021 192.572.000 11.81%
2022 242.185.000 20.49%
2023 216.760.000 -11.73%
2023 340.014.000 36.25%
2024 361.520.000 5.95%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Consumer Portfolio Services, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Consumer Portfolio Services, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 23.994.000 100%
2002 37.778.000 36.49%
2003 37.141.000 -1.72%
2004 38.173.000 2.7%
2005 40.384.000 5.47%
2006 38.483.000 -4.94%
2007 46.716.000 17.62%
2008 78.380.000 40.4%
2009 61.510.000 -27.43%
2010 52.340.000 -17.52%
2011 46.860.000 -11.69%
2012 51.002.000 8.12%
2013 59.305.000 14%
2014 69.383.000 14.53%
2015 79.716.000 12.96%
2016 90.389.000 11.81%
2017 99.545.000 9.2%
2018 110.355.000 9.8%
2019 113.881.000 3.1%
2020 112.179.000 -1.52%
2021 115.150.000 2.58%
2022 121.900.000 5.54%
2023 139.428.000 12.57%
2023 138.149.000 -0.93%
2024 147.940.000 6.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Consumer Portfolio Services, Inc. EBITDA
Year EBITDA Growth
1993 -1.500.000
1994 -1.800.000 16.67%
1995 7.600.000 123.68%
1996 20.500.000 62.93%
1997 32.600.000 37.12%
1998 62.500.000 47.84%
1999 -7.300.000 956.16%
2000 -20.947.000 65.15%
2001 16.564.000 226.46%
2002 47.084.000 64.82%
2003 24.517.000 -92.05%
2004 14.386.000 -70.42%
2005 49.762.000 71.09%
2006 104.785.000 52.51%
2007 178.381.000 41.26%
2008 113.335.000 -57.39%
2009 63.068.000 -79.7%
2010 66.031.000 4.49%
2011 69.266.000 4.67%
2012 89.152.000 22.31%
2013 95.789.000 6.93%
2014 103.065.000 7.06%
2015 119.764.000 13.94%
2016 130.379.000 8.14%
2017 125.350.000 -4.01%
2018 121.161.000 -3.46%
2019 10.238.000 -1083.44%
2020 21.904.000 53.26%
2021 67.421.000 67.51%
2022 1.618.000.000 95.83%
2023 57.668.000 -2705.72%
2023 196.575.000 70.66%
2024 192.412.000 -2.16%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Consumer Portfolio Services, Inc. Gross Profit
Year Gross Profit Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 47.670.000 100%
2002 68.027.000 29.92%
2003 77.073.000 11.74%
2004 100.545.000 23.34%
2005 142.028.000 29.21%
2006 185.751.000 23.54%
2007 255.361.000 27.26%
2008 208.054.000 -22.74%
2009 108.603.000 -91.57%
2010 69.892.000 -55.39%
2011 60.077.000 -16.34%
2012 107.786.000 44.26%
2013 186.649.000 42.25%
2014 246.397.000 24.25%
2015 301.823.000 18.36%
2016 341.564.000 11.64%
2017 341.104.000 -0.13%
2018 280.702.000 -21.52%
2019 234.196.000 -19.86%
2020 162.402.000 -44.21%
2021 184.857.000 12.15%
2022 234.650.000 21.22%
2023 210.416.000 -11.52%
2023 339.167.000 37.96%
2024 360.636.000 5.95%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Consumer Portfolio Services, Inc. Net Profit
Year Net Profit Growth
1993 -1.500.000
1994 -1.800.000 16.67%
1995 7.600.000 123.68%
1996 14.100.000 46.1%
1997 18.500.000 23.78%
1998 25.700.000 28.02%
1999 -44.500.000 157.75%
2000 -22.147.000 -100.93%
2001 320.000 7020.94%
2002 20.408.000 98.43%
2003 395.000 -5066.58%
2004 -15.888.000 102.49%
2005 3.372.000 571.17%
2006 13.200.000 74.45%
2007 13.858.000 4.75%
2008 -26.091.000 153.11%
2009 -57.207.000 54.39%
2010 -33.826.000 -69.12%
2011 -14.460.000 -133.93%
2012 69.408.000 120.83%
2013 21.005.000 -230.44%
2014 29.516.000 28.84%
2015 34.681.000 14.89%
2016 29.300.000 -18.37%
2017 3.765.000 -678.22%
2018 14.862.000 74.67%
2019 5.406.000 -174.92%
2020 21.677.000 75.06%
2021 47.524.000 54.39%
2022 85.983.000 44.73%
2023 41.516.000 -107.11%
2023 45.343.000 8.44%
2024 18.688.000 -142.63%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Consumer Portfolio Services, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1993 0
1994 0 0%
1995 1 0%
1996 1 100%
1997 1 0%
1998 2 0%
1999 -2 150%
2000 -1 -100%
2001 0 0%
2002 1 100%
2003 0 0%
2004 -1 0%
2005 0 0%
2006 2 100%
2007 1 0%
2008 -1 100%
2009 -3 66.67%
2010 -2 -200%
2011 -1 0%
2012 4 100%
2013 1 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 0 0%
2018 1 0%
2019 0 0%
2020 1 0%
2021 2 100%
2022 4 50%
2023 2 -300%
2023 2 50%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Consumer Portfolio Services, Inc. Free Cashflow
Year Free Cashflow Growth
1996 -10.100.000
1997 -27.100.000 62.73%
1998 -72.400.000 62.57%
1999 200.000 36300%
2000 38.100.000 99.48%
2001 2.957.000 -1188.47%
2002 146.608.000 97.98%
2003 99.669.000 -47.09%
2004 8.548.000 -1065.99%
2005 36.516.000 76.59%
2006 56.699.000 35.6%
2007 152.328.000 62.78%
2008 124.532.000 -22.32%
2009 78.688.000 -58.26%
2010 37.858.000 -107.85%
2011 10.393.000 -264.26%
2012 34.595.000 69.96%
2013 98.895.000 65.02%
2014 135.004.000 26.75%
2015 186.364.000 27.56%
2016 195.254.000 4.55%
2017 214.979.000 9.18%
2018 215.128.000 0.07%
2019 216.033.000 0.42%
2020 238.743.000 9.51%
2021 196.218.000 -21.67%
2022 213.783.000 8.22%
2023 237.421.000 9.96%
2023 61.046.000 -288.92%
2024 43.146.000 -41.49%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Consumer Portfolio Services, Inc. Operating Cashflow
Year Operating Cashflow Growth
1996 -9.700.000
1997 -26.100.000 62.84%
1998 -71.100.000 63.29%
1999 200.000 35650%
2000 38.700.000 99.48%
2001 3.723.000 -939.48%
2002 146.893.000 97.47%
2003 99.762.000 -47.24%
2004 9.956.000 -902.03%
2005 36.682.000 72.86%
2006 57.111.000 35.77%
2007 153.415.000 62.77%
2008 124.974.000 -22.76%
2009 79.500.000 -57.2%
2010 38.141.000 -108.44%
2011 10.797.000 -253.26%
2012 34.989.000 69.14%
2013 99.372.000 64.79%
2014 135.827.000 26.84%
2015 187.555.000 27.58%
2016 196.333.000 4.47%
2017 215.648.000 8.96%
2018 216.205.000 0.26%
2019 216.784.000 0.27%
2020 238.767.000 9.21%
2021 198.194.000 -20.47%
2022 215.932.000 8.21%
2023 237.980.000 9.26%
2023 61.257.000 -288.49%
2024 43.291.000 -41.5%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Consumer Portfolio Services, Inc. Capital Expenditure
Year Capital Expenditure Growth
1996 400.000
1997 1.000.000 60%
1998 1.300.000 23.08%
1999 0 0%
2000 600.000 100%
2001 766.000 21.67%
2002 285.000 -168.77%
2003 93.000 -206.45%
2004 1.408.000 93.39%
2005 166.000 -748.19%
2006 412.000 59.71%
2007 1.087.000 62.1%
2008 442.000 -145.93%
2009 812.000 45.57%
2010 283.000 -186.93%
2011 404.000 29.95%
2012 394.000 -2.54%
2013 477.000 17.4%
2014 823.000 42.04%
2015 1.191.000 30.9%
2016 1.079.000 -10.38%
2017 669.000 -61.29%
2018 1.077.000 37.88%
2019 751.000 -43.41%
2020 24.000 -3029.17%
2021 1.976.000 98.79%
2022 2.149.000 8.05%
2023 559.000 -284.44%
2023 211.000 -164.93%
2024 145.000 -45.52%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Consumer Portfolio Services, Inc. Equity
Year Equity Growth
1996 57.000.000
1997 82.600.000 30.99%
1998 119.100.000 30.65%
1999 84.400.000 -41.11%
2000 62.100.000 -35.91%
2001 61.686.000 -0.67%
2002 82.574.000 25.3%
2003 82.160.000 -0.5%
2004 69.920.000 -17.51%
2005 73.589.000 4.99%
2006 111.512.000 34.01%
2007 114.355.000 2.49%
2008 89.849.000 -27.27%
2009 35.577.000 -152.55%
2010 4.554.000 -681.23%
2011 -14.207.000 132.05%
2012 61.311.000 123.17%
2013 94.602.000 35.19%
2014 127.253.000 25.66%
2015 161.159.000 21.04%
2016 2.258.734.999 92.87%
2017 2.271.430.000 0.56%
2018 2.323.878.000 2.26%
2019 2.369.867.000 1.94%
2020 1.970.727.000 -20.25%
2021 1.948.440.000 -1.14%
2022 2.543.116.000 23.38%
2023 2.719.867.000 6.5%
2023 265.896.000 -922.91%
2024 280.314.000 5.14%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Consumer Portfolio Services, Inc. Assets
Year Assets Growth
1996 102.000.000
1997 225.900.000 54.85%
1998 432.000.000 47.71%
1999 223.500.000 -93.29%
2000 175.700.000 -27.21%
2001 151.204.000 -16.2%
2002 285.448.000 47.03%
2003 492.470.000 42.04%
2004 766.599.000 35.76%
2005 1.155.144.000 33.64%
2006 1.728.341.000 33.16%
2007 2.282.813.000 24.29%
2008 1.638.807.000 -39.3%
2009 1.068.261.000 -53.41%
2010 742.884.000 -43.8%
2011 890.050.000 16.53%
2012 1.037.620.000 14.22%
2013 1.396.366.000 25.69%
2014 1.833.058.000 23.82%
2015 2.142.907.000 14.46%
2016 2.410.402.000 11.1%
2017 2.424.841.000 0.6%
2018 2.485.680.000 2.45%
2019 2.539.249.000 2.11%
2020 2.145.895.000 -18.33%
2021 2.159.578.000 0.63%
2022 2.752.768.000 21.55%
2023 2.906.125.000 5.28%
2023 2.880.848.000 -0.88%
2024 3.286.542.000 12.34%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Consumer Portfolio Services, Inc. Liabilities
Year Liabilities Growth
1996 45.000.000
1997 143.300.000 68.6%
1998 312.900.000 54.2%
1999 139.100.000 -124.95%
2000 113.600.000 -22.45%
2001 65.055.000 -74.62%
2002 158.442.000 58.94%
2003 410.310.000 61.38%
2004 696.679.000 41.1%
2005 1.081.555.000 35.59%
2006 1.616.829.000 33.11%
2007 2.168.458.000 25.44%
2008 1.548.958.000 -39.99%
2009 1.032.684.000 -49.99%
2010 738.330.000 -39.87%
2011 904.257.000 18.35%
2012 976.309.000 7.38%
2013 1.301.764.000 25%
2014 1.705.805.000 23.69%
2015 1.981.748.000 13.92%
2016 2.224.184.000 10.9%
2017 2.240.904.000 0.75%
2018 2.288.562.000 2.08%
2019 2.336.608.000 2.06%
2020 2.012.533.000 -16.1%
2021 1.989.371.000 -1.16%
2022 2.524.379.000 21.19%
2023 2.631.457.000 4.07%
2023 2.614.952.000 -0.63%
2024 3.006.228.000 13.02%

Consumer Portfolio Services, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.92
Net Income per Share
1.26
Price to Earning Ratio
7.51x
Price To Sales Ratio
0.64x
POCF Ratio
0.94
PFCF Ratio
0.95
Price to Book Ratio
0.72
EV to Sales
9.15
EV Over EBITDA
19.28
EV to Operating CashFlow
13.61
EV to FreeCashFlow
13.66
Earnings Yield
0.13
FreeCashFlow Yield
1.05
Market Cap
0,20 Bil.
Enterprise Value
2,90 Bil.
Graham Number
19.35
Graham NetNet
-24

Income Statement Metrics

Net Income per Share
1.26
Income Quality
7.95
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.05
Net Income per EBT
0.72
EBT Per Ebit
0.25
Ebit per Revenue
0.47
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.46
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.99
Operating Profit Margin
0.47
Pretax Profit Margin
0.12
Net Profit Margin
0.08

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
10.03
Free CashFlow per Share
10
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0.89
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
3419.34
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.11
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.04

Balance Sheet

Cash per Share
12,54
Book Value per Share
13,18
Tangible Book Value per Share
13.18
Shareholders Equity per Share
13.18
Interest Debt per Share
146.2
Debt to Equity
10.49
Debt to Assets
0.9
Net Debt to EBITDA
17.94
Current Ratio
4.96
Tangible Asset Value
0,28 Bil.
Net Current Asset Value
-3,00 Bil.
Invested Capital
30904000
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
2,89 Bil.
Average Payables
0,00 Bil.
Average Inventory
58500
Debt to Market Cap
14.55

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Consumer Portfolio Services, Inc. Dividends
Year Dividends Growth

Consumer Portfolio Services, Inc. Profile

About Consumer Portfolio Services, Inc.

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.

CEO
Mr. Charles E. Bradley Jr.
Employee
925
Address
3800 Howard Hughes Parkway
Las Vegas, 89169

Consumer Portfolio Services, Inc. Executives & BODs

Consumer Portfolio Services, Inc. Executives & BODs
# Name Age
1 Mr. Michael T. Lavin
President, Chief Operating Officer & Chief Legal Officer
70
2 Mr. Denesh Bharwani
Chief Financial Officer and Executive Vice President of Accounting & Finance
70
3 Ms. Teri L. Robinson
Executive Vice President of Sales & Originations
70
4 Mr. Bryan J. Rayhill
Secretary & Independent Director
70
5 Ms. Lisette Reynoso
Senior Vice President & General Counsel
70
6 Ms. Catrina Ralston
Senior Vice President of Human Resources
70
7 Mr. Christopher Terry
Executive Vice President of Systems, Risk & IT
70
8 Mr. John Patrick Harton
Senior Vice President of Business Development
70
9 Ms. April Crisp
Senior Vice President of Compliance and Regulatory Affairs
70
10 Mr. Charles E. Bradley Jr.
Chief Executive Officer & Chairman
70

Consumer Portfolio Services, Inc. Competitors