_id
691053e6ccc777a4e85d5549
Ticker
CPSS
Name
Consumer Portfolio Services Inc
Exchange
NASDAQ
Address
3800 Howard Hughes Parkway, Las Vegas, NV, United States, 89169
Country
USA
Sector
Financial Services
Industry
Credit Services
Currency
USD
Website
https://www.consumerportfolio.com
Description
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 also 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. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
Last Close
9.24
Volume
5351
Current Price
9.2
Change
-0.4329004329004429
Last Updated
2025-11-29T11:48:20.998Z
Image
-
Ipo Date
1992-10-22T00:00:00.000Z
Market Cap
183794048
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
0.5936666666666667
Sentiment Sources
3
Rating
-
Target Price
14
Strong Buy
-
Buy
-
Hold
-
Sell
-
Strong Sell
-
Current Quarter
2025-09-30
Revenue
108421000
Cost Of Revenue
58386000
Gross Profit
50035000
Operating Expenses
43003000
Operating Income
7032000
Interest Expense
59098000
Pretax Income
7032000
Net Income
4853000
Eps
0.2018215087748482
Dividends Per Share
-
Shares Outstanding
22071046
Income Tax Expense
2179000
EBITDA
7239000
Operating Margin
6.48582839117883
Total Other Income Expense Net
-86740000
Cash
151894000
Short Term Investments
-
Receivables
3625918000
Inventories
-
Total Current Assets
9388000
Property Plant Equipment
17597000
Total Assets
3809776000
Payables
-
Short Term Debt
990000
Long Term Debt
3094529000
Total Liabilities
3502211000
Equity
307565000
Depreciation
207000
Change In Working Capital
9909000
Cash From Operations
84921000
Capital Expenditures
471000
Cash From Investing
-131422000
Cash From Financing
38227000
Net Change In Cash
-8274000
PE
10.3375
PB
0.7192729992034204
ROE
1.5778778469591792
ROA
0.12738281725749753
FCF
84450000
Fcf Percent
0.7789081451010413
Piotroski FScore
4
Health Score
52
Deep Value Investing Score
8.5
Defensive Investing Score
5
Dividend Investing Score
3
Economic Moat Investing Score
6.3
Garp Investing Score
3
Growth Investing Score
3
Momentum Investing Score
4.5
Net Net Investing Score
3.5
Quality Investing Score
3.5
Value Investing Score
8
Quarters > 0 > quarter
2025-09-30
Quarters > 0 > income Statement > revenue
108421000
Quarters > 0 > income Statement > cost Of Revenue
58386000
Quarters > 0 > income Statement > gross Profit
50035000
Quarters > 0 > income Statement > operating Expenses
43003000
Quarters > 0 > income Statement > operating Income
7032000
Quarters > 0 > income Statement > interest Expense
59098000
Quarters > 0 > income Statement > pretax Income
7032000
Quarters > 0 > income Statement > net Income
4853000
Quarters > 0 > income Statement > eps
0.2018215087748482
Quarters > 0 > income Statement > dividends Per Share
-
Quarters > 0 > income Statement > shares Outstanding
24046000
Quarters > 0 > income Statement > income Tax Expense
2179000
Quarters > 0 > income Statement > EBITDA
7239000
Quarters > 0 > income Statement > operating Margin
6.48582839117883
Quarters > 0 > income Statement > total Other Income Expense Net
-86740000
Quarters > 0 > balance Sheet > cash
151894000
Quarters > 0 > balance Sheet > short Term Investments
-
Quarters > 0 > balance Sheet > receivables
3625918000
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
9388000
Quarters > 0 > balance Sheet > property Plant Equipment
17597000
Quarters > 0 > balance Sheet > total Assets
3809776000
Quarters > 0 > balance Sheet > payables
-
Quarters > 0 > balance Sheet > short Term Debt
990000
Quarters > 0 > balance Sheet > long Term Debt
3094529000
Quarters > 0 > balance Sheet > total Liabilities
3502211000
Quarters > 0 > balance Sheet > equity
307565000
Quarters > 0 > cash Flow > net Income
4853000
Quarters > 0 > cash Flow > depreciation
207000
Quarters > 0 > cash Flow > change In Working Capital
9909000
Quarters > 0 > cash Flow > cash From Operations
84921000
Quarters > 0 > cash Flow > capital Expenditures
471000
Quarters > 0 > cash Flow > cash From Investing
-131422000
Quarters > 0 > cash Flow > cash From Financing
38227000
Quarters > 0 > cash Flow > net Change In Cash
-8274000
Quarters > 0 > ratios > PE
0.2018215087748482
Quarters > 0 > ratios > PB
0.7192729992034204
Quarters > 0 > ratios > ROE
1.5778778469591792
Quarters > 0 > ratios > ROA
0.12738281725749753
Quarters > 0 > ratios > FCF
84450000
Quarters > 0 > ratios > Piotroski FScore
4
Quarters > 0 > ratios > fcf Percent
0.7789081451010413
Quarters > 0 > health Score
52
Quarters > 1 > quarter
2025-06-30
Quarters > 1 > income Statement > revenue
109764000
Quarters > 1 > income Statement > cost Of Revenue
57923000
Quarters > 1 > income Statement > gross Profit
51841000
Quarters > 1 > income Statement > operating Expenses
44889000
Quarters > 1 > income Statement > operating Income
6952000
Quarters > 1 > income Statement > interest Expense
58704000
Quarters > 1 > income Statement > pretax Income
6952000
Quarters > 1 > income Statement > net Income
4797000
Quarters > 1 > income Statement > eps
0.19838709677419356
Quarters > 1 > income Statement > dividends Per Share
-
Quarters > 1 > income Statement > shares Outstanding
24180000
Quarters > 1 > income Statement > income Tax Expense
2155000
Quarters > 1 > income Statement > EBITDA
7201000
Quarters > 1 > income Statement > operating Margin
6.3335884260777675
Quarters > 1 > income Statement > total Other Income Expense Net
-88255000
Quarters > 1 > balance Sheet > cash
160168000
Quarters > 1 > balance Sheet > short Term Investments
-
Quarters > 1 > balance Sheet > receivables
3560700000
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
15772000
Quarters > 1 > balance Sheet > property Plant Equipment
19283000
Quarters > 1 > balance Sheet > total Assets
3763790000
Quarters > 1 > balance Sheet > payables
-
Quarters > 1 > balance Sheet > short Term Debt
2664000
Quarters > 1 > balance Sheet > long Term Debt
2997165000
Quarters > 1 > balance Sheet > total Liabilities
3460689000
Quarters > 1 > balance Sheet > equity
303101000
Quarters > 1 > cash Flow > net Income
4797000
Quarters > 1 > cash Flow > depreciation
249000
Quarters > 1 > cash Flow > change In Working Capital
-12246000
Quarters > 1 > cash Flow > cash From Operations
54460000
Quarters > 1 > cash Flow > capital Expenditures
124000
Quarters > 1 > cash Flow > cash From Investing
-166718000
Quarters > 1 > cash Flow > cash From Financing
88948000
Quarters > 1 > cash Flow > net Change In Cash
-23310000
Quarters > 1 > ratios > PE
0.19838709677419356
Quarters > 1 > ratios > PB
0.7339335732973497
Quarters > 1 > ratios > ROE
1.5826407699083807
Quarters > 1 > ratios > ROA
0.1274513190162044
Quarters > 1 > ratios > FCF
54336000
Quarters > 1 > ratios > Piotroski FScore
4
Quarters > 1 > ratios > fcf Percent
0.4950256914835465
Quarters > 1 > health Score
52
Quarters > 2 > quarter
2025-03-31
Quarters > 2 > income Statement > revenue
106874000
Quarters > 2 > income Statement > cost Of Revenue
53939000
Quarters > 2 > income Statement > gross Profit
52935000
Quarters > 2 > income Statement > operating Expenses
46133000
Quarters > 2 > income Statement > operating Income
6802000
Quarters > 2 > income Statement > interest Expense
54918000
Quarters > 2 > income Statement > pretax Income
6802000
Quarters > 2 > income Statement > net Income
4694000
Quarters > 2 > income Statement > eps
0.19297019527235354
Quarters > 2 > income Statement > dividends Per Share
-
Quarters > 2 > income Statement > shares Outstanding
24325000
Quarters > 2 > income Statement > income Tax Expense
2108000
Quarters > 2 > income Statement > EBITDA
7051000
Quarters > 2 > income Statement > operating Margin
6.364503995359021
Quarters > 2 > income Statement > total Other Income Expense Net
-85132000
Quarters > 2 > balance Sheet > cash
29841000
Quarters > 2 > balance Sheet > short Term Investments
-
Quarters > 2 > balance Sheet > receivables
3451966000
Quarters > 2 > balance Sheet > inventories
-
Quarters > 2 > balance Sheet > total Current Assets
29841000
Quarters > 2 > balance Sheet > property Plant Equipment
1165000
Quarters > 2 > balance Sheet > total Assets
3673606000
Quarters > 2 > balance Sheet > payables
-
Quarters > 2 > balance Sheet > short Term Debt
365683000
Quarters > 2 > balance Sheet > long Term Debt
2934207000
Quarters > 2 > balance Sheet > total Liabilities
3375179000
Quarters > 2 > balance Sheet > equity
298427000
Quarters > 2 > cash Flow > net Income
4694000
Quarters > 2 > cash Flow > depreciation
249000
Quarters > 2 > cash Flow > change In Working Capital
4731000
Quarters > 2 > cash Flow > cash From Operations
73868000
Quarters > 2 > cash Flow > capital Expenditures
471000
Quarters > 2 > cash Flow > cash From Investing
-194111000
Quarters > 2 > cash Flow > cash From Financing
166324000
Quarters > 2 > cash Flow > net Change In Cash
46081000
Quarters > 2 > ratios > PE
0.19297019527235354
Quarters > 2 > ratios > PB
0.749898635177112
Quarters > 2 > ratios > ROE
1.5729139789630295
Quarters > 2 > ratios > ROA
0.12777635925028433
Quarters > 2 > ratios > FCF
73397000
Quarters > 2 > ratios > Piotroski FScore
4
Quarters > 2 > ratios > fcf Percent
0.6867619813986564
Quarters > 2 > health Score
52
Quarters > 3 > quarter
2024-12-31
Quarters > 3 > income Statement > revenue
105303000
Quarters > 3 > income Statement > cost Of Revenue
51794000
Quarters > 3 > income Statement > gross Profit
53509000
Quarters > 3 > income Statement > operating Expenses
46158000
Quarters > 3 > income Statement > operating Income
7351000
Quarters > 3 > income Statement > interest Expense
52522000
Quarters > 3 > income Statement > pretax Income
7351000
Quarters > 3 > income Statement > net Income
5145000
Quarters > 3 > income Statement > eps
0.21195517838015984
Quarters > 3 > income Statement > dividends Per Share
-
Quarters > 3 > income Statement > shares Outstanding
24274000
Quarters > 3 > income Statement > income Tax Expense
2206000
Quarters > 3 > income Statement > EBITDA
7563000
Quarters > 3 > income Statement > operating Margin
6.980807764261226
Quarters > 3 > income Statement > total Other Income Expense Net
-53148000
Quarters > 3 > balance Sheet > cash
137397000
Quarters > 3 > balance Sheet > short Term Investments
-
Quarters > 3 > balance Sheet > receivables
3318754000
Quarters > 3 > balance Sheet > inventories
-
Quarters > 3 > balance Sheet > total Current Assets
11713000
Quarters > 3 > balance Sheet > property Plant Equipment
20392000
Quarters > 3 > balance Sheet > total Assets
3501433000
Quarters > 3 > balance Sheet > payables
-
Quarters > 3 > balance Sheet > short Term Debt
13806000
Quarters > 3 > balance Sheet > long Term Debt
2720049000
Quarters > 3 > balance Sheet > total Liabilities
3208663000
Quarters > 3 > balance Sheet > equity
292770000
Quarters > 3 > cash Flow > net Income
5145000
Quarters > 3 > cash Flow > depreciation
212000
Quarters > 3 > cash Flow > change In Working Capital
5035000
Quarters > 3 > cash Flow > cash From Operations
67997000
Quarters > 3 > cash Flow > capital Expenditures
77000
Quarters > 3 > cash Flow > cash From Investing
-232878000
Quarters > 3 > cash Flow > cash From Financing
23226000
Quarters > 3 > cash Flow > net Change In Cash
-141655000
Quarters > 3 > ratios > PE
0.21195517838015984
Quarters > 3 > ratios > PB
0.7627858045564778
Quarters > 3 > ratios > ROE
1.757352187724152
Quarters > 3 > ratios > ROA
0.14693983863178303
Quarters > 3 > ratios > FCF
67920000
Quarters > 3 > ratios > Piotroski FScore
4
Quarters > 3 > ratios > fcf Percent
0.6449958690635594
Quarters > 3 > health Score
52
Valuation > metrics > PE
10.3375
Valuation > metrics > PB
0.7192729992034204
Valuation > final Score
100
Valuation > verdict
14.0% Undervalued
Profitability > metrics > ROE
1.5778778469591792
Profitability > metrics > ROA
51.69365146996165
Profitability > metrics > Net Margin
0.04476070134014628
Profitability > final Score
40
Profitability > verdict
Weak
Risk > metrics > Debt Equity
11.386897078666298
Risk > metrics > Interest Coverage
0.11898879826728485
Risk > final Score
6
Risk > verdict
High
Liquidity > metrics > Current Ratio
9.482828282828283
Liquidity > metrics > Quick Ratio
9.482828282828283
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
90
Prev Valuations > 1
90
Prev Valuations > 2
90
Prev Profitabilities > 0
40
Prev Profitabilities > 1
40
Prev Profitabilities > 2
41
Prev Risks > 0
6
Prev Risks > 1
6
Prev Risks > 2
7
Prev Liquidities > 0
100
Prev Liquidities > 1
14
Prev Liquidities > 2
52
Updated At
2025-12-14T00:21:41.424Z
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 also 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. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
Stock Price
$ 0.00
0% decrease compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/AShowing 2 of 10
(Last Updated 2025-09-30)
Health Score
Price to Earnings Ratio (P/E)
-
Very High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Free Cash Flow - Revenue % (FCF)
-
Very High
Low ≤ 5%
High ≥ 15%
Debt to Equity
-
Very Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 58.87% of the total shares of Consumer Portfolio Services Inc
1.
Black Diamond Capital Management LLC(23.0702%)
since
2025/06/30
2.
Dimensional Fund Advisors, Inc.(7.1347%)
since
2025/06/30
3.
BlackRock Inc(2.9356%)
since
2025/06/30
4.
Vanguard Group Inc(2.3967%)
since
2025/06/30
5.
Bridgeway Capital Management, LLC(1.7704%)
since
2025/06/30
6.
Renaissance Technologies Corp(1.7668%)
since
2025/06/30
7.
DFA US Small Cap Value I(1.6247%)
since
2025/07/31
8.
Vanguard Total Stock Mkt Idx Inv(1.3951%)
since
2025/07/31
9.
iShares Russell 2000 ETF(0.9758%)
since
2025/08/31
10.
DFA US Targeted Value I(0.9612%)
since
2025/07/31
11.
Geode Capital Management, LLC(0.9564%)
since
2025/06/30
12.
State Street Corp(0.8779%)
since
2025/06/30
13.
DFA US Core Equity 2 I(0.7883%)
since
2025/07/31
14.
Allianz Asset Management AG(0.7201%)
since
2025/06/30
15.
EA Bridgeway Omni Small-Cap Value ETF(0.6829%)
since
2025/08/29
16.
Empowered Funds, LLC(0.6799%)
since
2025/06/30
17.
Royal Bank of Canada(0.6701%)
since
2025/06/30
18.
Bridgeway Omni Small-Cap Value N(0.6599%)
since
2025/06/30
19.
Bridgeway Omni Small-Cap Value(0.6599%)
since
2025/06/30
20.
DFA US Small Cap I(0.6548%)
since
2025/07/31
21.
HighPoint Advisor Group LLC(0.6333%)
since
2025/06/30
22.
DFA US Core Equity 1 I(0.6201%)
since
2025/07/31
23.
Dimensional US Targeted Value ETF(0.6029%)
since
2025/08/29
24.
DFA US Micro Cap I(0.5523%)
since
2025/07/31
25.
Verity & Verity, LLC(0.5332%)
since
2025/06/30
26.
Fisher Asset Management, LLC(0.4607%)
since
2025/06/30
27.
Vanguard Institutional Extnd Mkt Idx Tr(0.4449%)
since
2025/07/31
28.
Bank of New York Mellon Corp(0.4285%)
since
2025/06/30
29.
Fidelity Small Cap Index(0.4164%)
since
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30.
Northern Trust Corp(0.3897%)
since
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31.
American Century Companies Inc(0.3337%)
since
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32.
iShares Russell 2000 Value ETF(0.3317%)
since
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33.
RBC Microcap Value I(0.3031%)
since
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34.
Avantis US Small Cap Value ETF(0.2805%)
since
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35.
Bridgeway Ultra-Small Company Market(0.2497%)
since
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36.
Janney Montgomery Scott LLC(0.2356%)
since
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37.
Vanguard Russell 2000 ETF(0.1982%)
since
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38.
Fidelity Extended Market Index(0.1976%)
since
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39.
Arrowstreet Capital Limited Partnership(0.1526%)
since
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40.
Charles Schwab Investment Management Inc(0.1264%)
since
2025/06/30
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2025-09-30)
(Last Updated 2025-09-30)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2025-09-30)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2025-09-30)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.