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Last Update: 2023-12-23 06:01:50
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) https://www.consumerportfolio.com
9.95USD
Sector:
Financial Services
Industry:
Credit Services
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
23.45%
CPSS
16.65%
SPY
30.72%
CPSS
139.76%
SPY
112.82%
CPSS
216.88%
SPY
201.04%
CPSS
9.46%
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
250.92
3035.64
0.01
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
4.80
1.21
0.94
88.19
0.00
35.45
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
26.24
97.07
41.20
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
12.5954
4.78
4.13
2.11
Other Earnings and Cash Flow Stats:
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Net Income TTM ($MM) is 63.75
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Operating Income TTM ($MM) is 123.81
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Owners' Earnings Annual ($MM) is 213.79
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Current Price to Owners' Earnings ratio is 1.10
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) EBITDA TTM ($MM) is 125.05
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) EBITDA Margin is 41.20%
Capital Allocation:
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) has paid 0.00 dividends per share and bought back 1.436 million shares in the past 12 months
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) has increased its debt by 174.22 million USD in the last 12 months
Capital Structure:
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Interest-bearing Debt ($MM) as of last quarter is 2793
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Annual Working Capital Investments ($MM) are -160
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Book Value ($MM) as of last quarter is 265
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Debt/Capital as of last quarter is 1050%
Other Balance Sheet Stats:
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) has 8 million in cash on hand as of last quarter
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) has 240 million of liabilities due within 12 months, and long term debt 2552 as of last quarter
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) has 25 common shares outstanding as of last quarter
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) has 0 million USD of preferred stock value
Academic Scores:
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Altman Z-Score is 0.25 as of last quarter
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) Piotroski Score is 6.00 as of last quarter
Corporate Governance:
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) largest shareholder is Royal Bank of Canada owning 87955 shares at 0.88 ($MM) value
Greg Washer(an insider) Bought 9000 shares of CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) for the amount of $69930.00 on 2022-12-16
34.91% of CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) is held by insiders, and 50.42% is held by institutions
CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) went public on 1992-10-22
Other CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) financial metrics:
FCF:221.29
Unlevered Free Cash Flow:-202.91
EPS:1.65
Operating Margin:26.24
Gross Profit Margin:97.07
Div. Payout Ratio%:0.00
Div. Growth YoY%:0.00
Equity Return%:15.61
Beta:2.11
Buffet's Owners Earnings:213.79
Price to Owner's Earnings:1.10
About CONSUMER PORTFOLIO SERVICES INC. ( CPSS ) :
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 merger and acquisition transactions; 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 headquartered in Irvine, California.
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