CPSS Stock Price, Consumer Portfolio Services Quote, Chart

Market Summary

USD8.61+0.07

Market Closed

0.82%

CPSS Stock Price

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CPSS RSI Chart

CPSS Valuation

Market Cap

181.0M

Price/Earnings (Trailing)

5.01

Price/Sales (Trailing)

0.5

EV/EBITDA

0.15

Price/Free Cashflow

0.8

CPSS Price/Sales (Trailing)

CPSS Profitability

EBT Margin

13.65%

Return on Equity

12.94%

Return on Assets

1.2%

Free Cashflow Yield

124.26%

CPSS Fundamentals

CPSS Revenue

Revenue (TTM)

360.7M

Rev. Growth (Yr)

10.4%

Rev. Growth (Qtr)

-0.25%

CPSS Earnings

Earnings (TTM)

36.1M

Earnings Growth (Yr)

-66.79%

Earnings Growth (Qtr)

-36.13%

Breaking Down CPSS Revenue

Last 7 days

4.9%

Last 30 days

1.5%

Last 90 days

-6.4%

Trailing 12 Months

-18.8%

How does CPSS drawdown profile look like?

CPSS Financial Health

CPSS Investor Care

Shares Dilution (1Y)

1.17%

Diluted EPS (TTM)

1.45

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	360.7M	0	0	0
2023	338.4M	341.3M	343.1M	352.0M
2022	279.1M	294.3M	316.1M	329.7M
2021	255.1M	246.4M	242.3M	267.8M
2020	336.7M	325.9M	313.0M	271.2M
2019	374.4M	361.4M	351.3M	345.8M
2018	430.3M	419.6M	405.8M	389.8M
2017	429.2M	434.4M	435.3M	434.4M
2016	378.3M	394.9M	409.4M	422.3M
2015	318.1M	334.9M	351.8M	363.6M
2014	269.3M	270.4M	283.4M	300.3M
2013	197.3M	223.6M	239.8M	255.8M
2012	155.3M	168.3M	182.4M	187.2M
2011	152.2M	149.2M	146.1M	143.1M
2010	0	0	0	155.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Consumer Portfolio Services Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Dec 15, 2023	wood daniel s	sold	-74,066	9.2583	-8,000	-
Oct 27, 2023	rayhill brian	sold (taxes)	-317,100	9.39	-33,770	-
Oct 27, 2023	rayhill brian	acquired	317,100	4.53	70,000	-
Oct 16, 2023	wood daniel s	acquired	90,600	4.53	20,000	-
Oct 16, 2023	wood daniel s	sold (taxes)	-90,601	9.16	-9,891	-
May 11, 2023	terry chris	acquired	208,800	3.48	60,000	exec. vice president
May 11, 2023	ralston catrina marie	acquired	123,999	3.48	35,632	sr. vice president
May 11, 2023	ralston catrina marie	sold (taxes)	-124,003	10.91	-11,366	sr. vice president
May 11, 2023	terry chris	sold (taxes)	-263,095	10.91	-24,115	exec. vice president
May 11, 2023	bradley charles e jr	sold (taxes)	-1,062,210	10.91	-97,361	ceo

Which funds bought or sold CPSS recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.93	-6,679	6,486	-%
May 16, 2024	COMERICA BANK	unchanged	-	-377	1,572	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-24.51	-74,724	116,424	-%
May 15, 2024	BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C.	unchanged	-	-9,280,170	38,761,400	25.57%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	unchanged	-	-58,000	246,000	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.44	-630,337	3,002,630	0.06%
May 15, 2024	Voya Investment Management LLC	unchanged	-	-27,791	116,076	-%
May 15, 2024	Royal Bank of Canada	reduced	-14.36	-258,000	575,000	-%
May 15, 2024	CITADEL ADVISORS LLC	new	-	62,453	62,453	-%
May 15, 2024	GTS SECURITIES LLC	sold off	-100	-93,747	-	-%

Are Funds Buying or Selling CPSS?

Are funds buying CPSS calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CPSS

No. of Funds

Unveiling Consumer Portfolio Services Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	dimensional fund advisors lp	7.7%	1,623,488	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	8.2%	1,676,513	SC 13G/A
Jun 28, 2022	black diamond capital management, l.l.c.	23.94%	5,043,398	SC 13D/A
Mar 14, 2022	black diamond capital management, l.l.c.	22.05%	4,647,042	SC 13D/A
Feb 15, 2022	black diamond capital management, l.l.c.	21.66%	4,564,234	SC 13D/A
Feb 08, 2022	black diamond capital management, l.l.c.	20.24%	4,265,611	SC 13D/A
Feb 08, 2022	dimensional fund advisors lp	8.0%	1,688,184	SC 13G/A
Dec 09, 2021	black diamond capital management, l.l.c.	19.21%	4,047,703	SC 13D
Nov 10, 2021	citigroup inc	0.0%	0	SC 13G/A
Jun 10, 2021	black diamond capital management, l.l.c.	17.6%	3,996,539	SC 13G

Recent SEC filings of Consumer Portfolio Services Inc

View All Filings

Date Filed	Form Type	Document
May 17, 2024	4	Insider Trading
May 17, 2024	4	Insider Trading
May 17, 2024	4	Insider Trading
May 17, 2024	4	Insider Trading
May 14, 2024	424B2	Prospectus Filed
May 14, 2024	424B2	Prospectus Filed
May 13, 2024	8-K	Current Report
May 10, 2024	10-Q	Quarterly Report
Apr 25, 2024	8-K	Current Report
Apr 16, 2024	8-K	Current Report

Peers (Alternatives to Consumer Portfolio Services Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

Consumer Portfolio Services Inc News

Latest updates

Consumer Portfolio Services Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-0.3%	92.00	92.00	92.00	85.00	83.00	83.00	90.00	82.00	74.00	69.00	69.00	67.00	63.00	44.00	73.00	76.00	79.00	86.00	86.00	86.00	88.00
Operating Expenses	3.7%	85.00	82.00	78.00	66.00	65.00	65.00	56.00	48.00	45.00	45.00	49.00	53.00	55.00	56.00	65.00	63.00	-	-	-	-	-
S&GA Expenses	3.6%	5.00	5.00	5.00	5.00	6.00	6.00	6.00	6.00	5.00	4.00	4.00	4.00	4.00	3.00	3.00	3.00	4.00	4.00	4.00	5.00	5.00
EBITDA Margin	-3.7%	0.57*	0.59*	0.60*	0.62*	0.62*	0.62*	0.45*	0.47*	0.49*	0.53*	0.48*	0.50*	-	-	-	-	-	-	-	-	-
Interest Expenses	4.2%	42.00	40.00	38.00	36.00	33.00	29.00	23.00	19.00	16.00	17.00	18.00	19.00	21.00	23.00	25.00	26.00	27.00	28.00	28.00	28.00	27.00
Income Taxes	-26.0%	2.00	3.00	4.00	5.00	5.00	4.00	9.00	9.00	8.00	5.00	6.00	4.00	3.00	2.00	2.00	2.00	-7.68	1.00	1.00	1.00	1.00
Earnings Before Taxes	-33.4%	7.00	10.00	14.00	19.00	18.00	18.00	34.00	34.00	29.00	-	-	14.00	8.00	6.00	6.00	5.00	3.00	1.00	3.00	3.00	3.00
EBT Margin	-21.4%	0.14*	0.17*	0.20*	0.26*	0.31*	0.35*	0.21*	0.22*	0.24*	0.25*	0.14*	0.14*	-	-	-	-	-	-	-	-	-
Net Income	-36.1%	5.00	7.00	10.00	14.00	14.00	14.00	25.00	25.00	21.00	19.00	14.00	10.00	5.00	4.00	4.00	3.00	11.00	0.00	2.00	2.00	2.00
Net Income Margin	-22.3%	0.10*	0.13*	0.15*	0.20*	0.23*	0.26*	0.29*	0.27*	0.23*	0.18*	0.13*	0.09*	-	-	-	-	-	-	-	-	-
Free Cashflow	-5.7%	53.00	56.00	61.00	55.00	65.00	51.00	44.00	51.00	68.00	35.00	50.00	46.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	3.5%	3,007	2,904	2,881	2,854	2,837	2,753	2,651	2,500	2,278	2,160	2,107	2,104	2,096	2,146	2,309	2,337	2,468	2,539	2,537	2,525	2,531
Cash Equivalents	2345.0%	151	6.00	8.00	7.00	10.00	13.00	173	168	186	177	174	199	169	144	11.00	7.00	5.00	141	9.00	10.00	9.00
Net PPE	-7.6%	1.00	1.00	1.00	1.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	2.00	2.00	2.00	2.00
Liabilities	3.7%	2,727	2,629	2,615	2,599	2,594	2,524	2,432	2,302	2,094	1,989	1,945	1,955	1,957	2,013	2,181	2,212	2,347	2,337	2,335	2,324	2,333
Shareholder's Equity	1.6%	279	275	266	255	216	228	218	198	184	170	161	149	74.00	133	129	72.00	58.00	110	203	201	136
Retained Earnings	1.9%	252	248	241	230	216	203	188	163	138	117	98.00	84.00	74.00	69.00	65.00	61.00	58.00	140	140	138	136
Shares Outstanding	-0.1%	21.00	21.00	21.00	21.00	20.00	20.00	21.00	21.00	21.00	23.00	23.00	23.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	87.00	-	-	-	140,224	-	-	-	71,868	-	-	-	47.00	-	-	-	62.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-6.0%	52,705	56,062	61,257	55,520	65,141	51,188	45,074	51,370	68,300	35,118	50,670	47,056	65,350	48,201	61,213	65,299	64,054	46,795	57,571	53,914	58,504
Share Based Compensation	0.2%	832	830	817	905	912	1,461	1,448	728	790	735	530	327	408	498	539	412	487	576	377	481	638
Cashflow From Investing	-29.7%	-108,632	-83,780	-82,693	-71,900	-121,159	-147,376	-168,128	-258,879	-139,517	-65,184	-62,918	-11,146	23,890	47,640	40,463	66,030	-61,102	-51,666	-62,311	-53,154	-62,223
Cashflow From Financing	636.7%	81,451	11,056	8,385	2,441	62,312	86,271	127,391	189,602	80,945	32,849	-12,894	-5,604	-64,791	-163,854	-36,177	-126,732	-1,715	8,348	6,864	-9,951	18,031
Buy Backs	46.7%	1,697	1,157	652	11,171	7,293	4,561	7,250	20,181	14,104	21,717	2,377	827	755	453	762	-205	-	-	-	-	1,440

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CPSS Income Statement

2024-03-31

UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenues:
Interest income	$ 84,288	$ 80,062
Mark to finance receivables measured at fair value	5,000	0
Other income	2,456	3,038
Total revenues	91,744	83,100
Expenses:
Employee costs	24,416	22,033
General and administrative	13,753	11,396
Interest	41,968	32,759
Provision for credit losses	(1,635)	(9,000)
Sales	4,870	5,724
Occupancy	1,600	1,526
Depreciation and amortization	215	231
Total operating expenses	85,187	64,669
Income before income tax expense	6,557	18,431
Income tax expense	1,967	4,608
Net income	$ 4,590	$ 13,823
Earnings per share:
Basic	$ 0.22	$ 0.68
Diluted	$ 0.19	$ 0.54
Number of shares used in computing earnings per share:
Basic	21,143	20,418
Diluted	24,602	25,392

CPSS Balance Sheet

2024-03-31

UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 13,249	$ 6,174
Restricted cash and equivalents	137,706	119,257
Finance receivables measured at fair value	2,791,373	2,722,662
Finance receivables	18,781	27,553
Less: Allowance for finance credit losses	(1,890)	(2,869)
Finance receivables, net	16,891	24,684
Furniture and equipment, net	1,268	1,372
Deferred tax assets, net	3,485	3,736
Other assets	42,554	25,861
Total Assets	3,006,526	2,903,746
Liabilities
Accounts payable and accrued expenses	79,122	62,544
Warehouse lines of credit	249,522	234,025
Residual interest financing	98,968	49,875
Securitization trust debt	2,277,676	2,265,446
Subordinated renewable notes	22,140	17,188
Total Liabilities	2,727,428	2,629,078
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity
Common stock, no par value; authorized 75,000,000 shares; 21,147,743 and 21,174,856 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively	28,518	28,678
Retained earnings	252,447	247,857
Accumulated other comprehensive loss	(1,867)	(1,867)
Total stockholders' equity	279,098	274,668
Total liabilities and stockholders' equity	3,006,526	2,903,746
Preferred Stock [Member]
Shareholders' Equity
Preferred stock, value	0	0
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock, value	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock, value	$ 0	$ 0

About Consumer Portfolio Services Inc

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.

CEO	Mr. Charles E. Bradley Jr.
WEBSITE	consumerportfolio.com
INDUSTRY	Credit Services
EMPLOYEES	803

Consumer Portfolio Services Inc Frequently Asked Questions

What is the ticker symbol for Consumer Portfolio Services Inc? What does CPSS stand for in stocks?

CPSS is the stock ticker symbol of Consumer Portfolio Services Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Consumer Portfolio Services Inc (CPSS)?

As of Fri May 17 2024, market cap of Consumer Portfolio Services Inc is 180.99 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CPSS stock?

You can check CPSS's fair value in chart for subscribers.

What is the fair value of CPSS stock?

You can check CPSS's fair value in chart for subscribers. The fair value of Consumer Portfolio Services Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Consumer Portfolio Services Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CPSS so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Consumer Portfolio Services Inc a good stock to buy?

The fair value guage provides a quick view whether CPSS is over valued or under valued. Whether Consumer Portfolio Services Inc is cheap or expensive depends on the assumptions which impact Consumer Portfolio Services Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CPSS.

What is Consumer Portfolio Services Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, CPSS's PE ratio (Price to Earnings) is 5.01 and Price to Sales (PS) ratio is 0.5. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CPSS PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Consumer Portfolio Services Inc's stock?

In the past 10 years, Consumer Portfolio Services Inc has provided 0.017 (multiply by 100 for percentage) rate of return.