CPSSNasdaqFinance ServicesFiscal year ends December 31
CONSUMER PORTFOLIO SERVICES, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$9.03−0.12 (-1.31%)
Close on Oct 19, 2026
- Market cap
- $212.07M
- P/E (TTM)
- 9.8
- Dividend yield
- –
Consumer Portfolio Services statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Finance Services companies for comparison
Valuation
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Market Cap | $194.64M | $199.16M |
| Enterprise Value | $187.14M | $160.19M |
| PE Ratio | 9.82 | 11.74 |
| PS Ratio | 0.43 | 2.66 |
| PB Ratio | 0.61 | 1.17 |
| P/TBV Ratio | 0.61 | 1.40 |
| P/FCF Ratio | 0.56 | 12.30 |
| P/OCF Ratio | 0.56 | 5.61 |
Enterprise value
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| EV / Sales | 0.41 | 2.72 |
| EV / EBITDA | 0.68 | 3.89 |
| EV / FCF | 0.54 | 11.30 |
Income (trailing twelve months)
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Revenue | $451.55M | $61.19M |
| Pretax Income | $31.31M | -$4.81M |
| Net Income | $21.61M | -$5.16M |
| EBITDA | $274.89M | -$9.49M |
| EPS (Diluted) | $0.92 | -$0.03 |
Margins
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Pretax Margin | 6.93% | -25.1% |
| Profit Margin | 4.79% | -21.0% |
| EBITDA Margin | 60.9% | -67.0% |
| FCF Margin | 77.4% | -22.8% |
Returns
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Return on Equity (ROE) | 6.94% | -22.5% |
| Return on Assets (ROA) | 0.53% | -11.8% |
Growth
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 6.87% | 19.7% |
| Net Income Growth (YoY) | 11.2% | -51.5% |
| EPS Growth (YoY) | 15.0% | 4.95% |
| FCF Growth (YoY) | 31.7% | 18.7% |
| Revenue Growth (3Y CAGR) | 9.63% | 5.53% |
| Revenue Growth (5Y CAGR) | 9.89% | 10.1% |
| EPS Growth (3Y CAGR) | -37.2% | 5.11% |
| EPS Growth (5Y CAGR) | -2.33% | 8.99% |
Balance sheet
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $7.50M | $20.81M |
| Net Cash (Debt) | $7.50M | $7.60M |
| Net Cash Per Share | $0.35 | $0.22 |
| Equity (Book Value) | $319.25M | $165.65M |
| Book Value Per Share | $14.81 | $3.80 |
| Tangible Book Value | $319.25M | $127.24M |
Cash flow (trailing twelve months)
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Operating Cash Flow | $350.54M | -$5.36M |
| Capital Expenditures | -$1.08M | -$5.04M |
| Free Cash Flow | $349.46M | -$15.68M |
| FCF Per Share | $16.21 | -$0.26 |
Efficiency
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Asset Turnover | 0.11 | 0.16 |
| Revenue Per Employee | $486.59K | $705.30K |
| Profits Per Employee | $23.28K | -$252.56K |
| Employee Count | 928 | 48 |
Dividends and yields
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Earnings Yield | 11.1% | -10.6% |
| FCF Yield | 179.5% | -13.8% |
| Buyback Yield | 3.71% | 0.12% |
| Shareholder Yield | 3.71% | 0.14% |
Shares
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Shares Outstanding | 21,554,700 | 56,031,200 |
| Shares Change (YoY) | -2.18% | 12.9% |
| Shares Change (QoQ) | -0.45% | 0.24% |
| Float | 2,716,370 | 43,350,400 |
| Shares Held by Insiders | 87.4% | 18.5% |
| Shares Held by Institutions | 45.7% | 34.2% |
Taxes
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Income Tax | $9.71M | $82.74K |
| Effective Tax Rate | 31.0% | 22.6% |
Scores
| Measure | Consumer Portfolio Services | Industry median |
|---|---|---|
| Graham Number | $17.51 | $33.10 |
| Graham Upside | 93.9% | 11.8% |
| Altman Z-Score | 0.22 | 0.30 |
| Piotroski F-Score | 5 | 4 |
Calculated by StockData from Consumer Portfolio Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.