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Consumer Portfolio Services, Inc. (CPSS) stock analysis

CPSSNasdaqFinance ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 8/3090% below fair value
$9.77−0.21 (-2.10%)

Close on Nov 12, 2026Market cap $213.48MP/E 9.6Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value4Growth2Performance2Health0Dividend0

Weak8 of 30 checks passed

Consumer Portfolio Services passes 8 of the 30 checks behind our score; 13 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
4/6
Growth
2/6
Past performance
2/6
Financial health
0/6
Dividend
0/6

What stands out

  • Margin of safety over 20%

    The price is 89.6% below fair value, more than the 20% cushion we look for.

  • Trading below fair value

    The share price of $9.98 is below our fair value estimate of $96.08.

  • Earnings growth accelerating

    Net income grew 21.6% over the last twelve months, against a 5-year average of -2.3% a year.

  • P/E below the industry

    Consumer Portfolio Services's P/E of 9.8 is below the Finance services median of 11.8.

What to watch

  • Return on equity under 15%

    Return on equity was 7.5% over the last twelve months and averaged 23.8% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 2.3% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew 9.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -37.2% a year over the last three fiscal years.

Valuation4/6

  • P/E above its 5-year median

    Consumer Portfolio Services's P/E of 9.8 is above its own 5-year median of 9.5.

  • P/E below the industry

    Consumer Portfolio Services's P/E of 9.8 is below the Finance services median of 11.8.

  • EV/EBITDA above its 5-year median

    Consumer Portfolio Services's EV/EBITDA of 0.7 is above its 5-year median of 0.2.

  • P/B below the industry

    Consumer Portfolio Services's price-to-book of 0.67 is below the Finance services median of 0.83.

  • Trading below fair value

    The share price of $9.98 is below our fair value estimate of $96.08.

  • Margin of safety over 20%

    The price is 89.6% below fair value, more than the 20% cushion we look for.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 9.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -37.2% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 21.6% over the last twelve months, against a 5-year average of -2.3% a year.

  • Growing faster than the industry

    Revenue grew 10.4% over the last twelve months; the Finance services median is 9.8%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 7.5% over the last twelve months and averaged 23.8% over five years; we look for 15% on both.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity above the industry

    Consumer Portfolio Services's return on equity of 7.5% is above the Finance services median of -33.5%.

  • Earnings shrank over 5 years

    Net income shrank 2.3% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 5.0% over the last twelve months, against a 5-year average of 13.2%.

  • Net margin above the industry

    Consumer Portfolio Services's net margin of 5.0% is above the Finance services median of -64.5%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.22; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    Consumer Portfolio Services has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$96.08

The share price is 90% below this estimate.

20%+ below
Near fair value
20%+ above
$9.98Price$96.08Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/Eleft out, too far from the others10.6×9.5×11.8×$10.86–
EV/EBITDA7.0×0.2×13.8×$92.3070%
P/Bleft out, too far from the others0.8×0.8×0.8×$11.81–
Earnings power11.0% cost of equity––$104.9030%
Fair value$96.08100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.5
  • Finance services median 11.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$261.13K
Value traded per 1% price move
$128.57K

Downside

Low risk

Typical loss in a bad month
11.8%
Volatility (annualized)
40%
Sharpe ratio, 1 year
0.27
Beta to the S&P 500 (5Y)
1.23

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

4.4%−3.5 pts over 5 years

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