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Consumer Portfolio Services Inc

Financial Services US CPSS

9.6USD
0.07(0.73%)

Last update at 2026-06-23T20:00:00Z

Day Range

9.519.66
LowHigh

52 Week Range

6.6710.22
LowHigh

Fundamentals

  • Previous Close 9.53
  • Market Cap188.93M
  • Volume7620
  • P/E Ratio10.70
  • Dividend Yield-%
  • Revenue TTM198.88M
  • Revenue Per Share TTM9.09
  • Gross Profit TTM 198.88M
  • Diluted EPS TTM0.80

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 28.00M 27.43M 61.10M 116.19M 65.75M
Minority interest - - - - -
Net income 19.32M 19.20M 45.34M 85.98M 47.52M
Selling general administrative 52.87M 150.90M 138.15M 121.90M 115.15M
Selling and marketing expenses - 22.75M 21.22M 23.04M 16.88M
Gross profit 426.21M 207.56M 227.68M 234.65M 184.86M
Reconciled depreciation 0.88M 0.86M 1.05M 1.62M 1.68M
Ebit 259.15M 27.43M 61.10M 1616.38M 65.75M
Ebitda 260.03M 28.29M 61.94M 1618.00M 67.42M
Depreciation and amortization 0.88M 0.86M 0.85M 1.62M 1.68M
Non operating income net other - - - - -
Operating income 260.03M 27.43M 61.10M 1616.38M 65.75M
Other operating expenses 167.94M 366.07M 290.92M 221.05M -126.82600M
Interest expense 232.02M 191.26M 146.63M 87.52M 75.24M
Tax provision 8.68M 8.23M 17.27M 30.21M 18.22M
Interest income 429.20M 384.96M 331.65M 320.52M 261.85M
Net interest income 197.17M 193.71M 196.43M 233.00M 186.61M
Extraordinary items - - - - -
Non recurring - - - 87.52M -
Other items - - - - -
Income tax expense 8.68M 8.23M 15.75M 30.21M 18.22M
Total revenue 427.97M 393.51M 352.01M 242.19M 192.57M
Total operating expenses 166.18M 180.12M 166.59M 213.52M -126.82600M
Cost of revenue 1.76M 185.95M 124.33M 7.54M 7.71M
Total other income expense net -232.02400M - 12.23M -1500.18900M -75.23900M
Discontinued operations - - - - -
Net income from continuing ops 19.32M 19.20M 52.29M 85.98M 47.52M
Net income applicable to common shares - - - 85.98M 47.52M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3858.19M 3501.43M 2906.12M 2752.77M 2159.58M
Intangible assets - - - - -
Earning assets - - - - -
Other current assets -3656.37500M -3456.15100M -2872.90200M 149.30M 146.62M
Total liab 3548.66M 3208.66M 2631.46M 2524.38M 1989.37M
Total stockholder equity 309.54M 292.77M 274.67M 228.39M 170.21M
Deferred long term liab - - - - -
Other current liab -65.24400M -13.80600M -7.20100M -285.32800M -105.61000M
Common stock 24.43M 25.72M 28.68M 28.91M 55.30M
Capital stock 24.43M 25.72M 28.68M 28.91M 55.30M
Retained earnings 286.38M 267.06M 247.86M 202.51M 116.53M
Other liab - - - - -
Good will - - - - -
Other assets 3851.86M 3501.43M 2896.22M 2728.45M 2126.25M
Cash 6.32M 137.40M 125.43M 13.49M 29.93M
Cash and equivalents - - - - -
Total current liabilities 14.27M 410.90M 7.20M 55.42M 105.61M
Current deferred revenue - - - - -
Net debt 3500.92M 3019.61M 2445.20M 2455.47M 1915.80M
Short term debt 14.27M 13.81M 7.20M 285.33M 105.61M
Short long term debt 324.87M 410.90M 234.03M 285.33M 105.61M
Short long term debt total 3507.24M 3157.01M 2570.63M 2468.96M 1945.72M
Other stockholder equity - - - -3.03100M 170.21M
Property plant equipment - - - 1.66M 9.32M
Total current assets 6.32M 11.71M 6.17M 14.14M 32.20M
Long term investments - - - 2477.27M 1751.37M
Net tangible assets - - - 228.39M 170.21M
Short term investments - - - - -
Net receivables 3656.38M 3318.75M 2747.35M 0.65M 2.27M
Long term debt 3158.54M 2720.05M 2332.51M 310.59M 1840.11M
Inventory - - 0.12M - -
Accounts payable 65.24M - - 55.42M 43.65M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -1.27500M -0.01000M -1.86700M -3.03100M -1.62200M
Additional paid in capital - - - - -
Common stock total equity - - - 28.91M 55.30M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 202.51M 116.53M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -3656.37500M -28.96700M -6.67500M -1.66000M -19.57500M
Deferred long term asset charges - - - - -
Non current assets total 0.02M 3482.16M 3.74M 10.18M 1.13M
Capital lease obligations - - - - -
Long term debt total - - - 310.59M 132.07M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -769.71300M -423.12800M -713.65000M -114.71100M
Change to liabilities - - - 10.36M 16.42M
Total cashflows from investing activities -590.11700M -769.71300M - -713.90000M -115.35800M
Net borrowings 352.35M 569.71M - 519.34M -22.99900M
Total cash from financing activities 335.93M 547.92M 84.19M 484.21M -50.44000M
Change to operating activities - - - 2.55M -3.78700M
Net income 19.32M 19.20M 45.34M 85.98M 47.52M
Change in cash 34.81M 11.97M -37.35800M -13.75900M 32.40M
Begin period cash flow 137.40M 125.43M 162.79M 176.55M 144.15M
End period cash flow 172.21M 137.40M 125.43M 162.79M 176.55M
Total cash from operating activities 289.00M 233.75M 237.98M 215.93M 198.19M
Issuance of capital stock - - - - -
Depreciation 0.88M 0.86M 0.85M 1.62M 1.68M
Other cashflows from investing activities -590.11700M -769.71300M - 1.90M 1.33M
Dividends paid - - 7.89M 15.28M 6.05M
Change to inventory - 0.12M - 1.90M 1.33M
Change to account receivables - - - 1.62M 2.75M
Sale purchase of stock -8.67200M -12.82800M -20.27300M -46.09600M -25.67600M
Other cashflows from financing activities 335.93M -8.95600M 183.66M 1599.87M 1145.70M
Change to netincome - - - -23.67300M 126.50M
Capital expenditures 0.71M 0.43M 0.56M 2.15M 1.98M
Change receivables - - - 1.62M 2.75M
Cash flows other operating - - - 131.81M 143.59M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -13.75900M 32.40M
Change in working capital 0.77M -0.56400M 12.95M 23.93M 15.38M
Stock based compensation 2.67M 2.96M 3.46M 4.43M 2.00M
Other non cash items 264.36M 208.57M 168.93M 90.57M 134.67M
Free cash flow 289.00M 233.32M 237.42M 213.78M 196.22M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CPSS
Consumer Portfolio Services Inc		 0.07 0.73% 9.60 10.70 5.21 0.95 0.60 18.12
V
Visa Inc. Class A		 1.88 0.58% 328.48 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 3.98 0.82% 488.07 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -0.29 0.09% 337.78 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -2.89 1.44% 197.81 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

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. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.

Consumer Portfolio Services Inc

3800 Howard Hughes Parkway, Las Vegas, NV, United States, 89169

Key Executives

Name Title Year Born
Mr. Charles E. Bradley Jr. CEO & Chairman 1960
Mr. Michael T. Lavin Pres, COO & Chief Legal Officer 1973
Ms. Teri L. Robinson Sr. VP of Sales 1963
Mr. Jeffrey P. Fritz Non-Exec. Adviser 1960
Ms. Laurie A. Straten Sr. VP of Servicing 1969
Mr. Brian J. Rayhill Sec. & Independent Director 1963
Mr. Denesh Bharwani CFO and Sr. VP of Fin. & Accounting 1968
Mr. Christopher Terry Sr. VP of Systems, Risk & IT 1968
Mr. John Patrick Harton Sr. VP of Program Devel. 1965
Mr. Michael T. Lavin President, COO & Chief Legal Officer 1973

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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