Consumer Portfolio Services, Inc.
General ticker "CPSS" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $201.4M (TTM average)
Consumer Portfolio Services, Inc. does not follow the US Stock Market performance with the rate: -8.7%.
Estimated limits based on current volatility of 1.8%: low 8.27$, high 8.58$
Factors to consider:
- Total employees count: 933 (+4.8%) as of 2024
- Top business risk factors: Liquidity and credit risks, Regulatory and compliance, Litigation risks, Operational and conduct risks, Reputation and brand risks
- Earnings for 9 months up through Q3 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [8.55$, 16.20$]
- 2025-12-31 to 2026-12-31 estimated range: [8.73$, 16.67$]
Financial Metrics affecting the CPSS estimates:
- Positive: with PPE of 13.5 at the end of fiscal year the price was very low
- Positive: -3.60 < Operating profit margin, % of 6.97
- Positive: Operating cash flow per share per price, % of 103.25 > 13.24
- Negative: Shareholder equity ratio, % of 8.38 <= 18.93
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.55
- Negative: Investing cash flow per share per price, % of -339.97 <= -14.38
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: 0 < Industry earnings per price (median), % of 3.52
Short-term CPSS quotes
Long-term CPSS plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $329.71MM | $352.01MM | $393.51MM |
| Operating Expenses | $213.52MM | $290.92MM | $366.07MM |
| Operating Income | $116.19MM | $61.10MM | $27.43MM |
| Interest Expense | $87.52MM | $146.63MM | $191.26MM |
| Income(Loss) | $116.19MM | $61.10MM | $27.43MM |
| Taxes | $30.21MM | $15.75MM | $8.23MM |
| Profit(Loss)* | $85.98MM | $45.34MM | $19.20MM |
| Stockholders Equity | $228.39MM | $274.67MM | $292.77MM |
| Assets | $2,752.77MM | $2,903.75MM | $3,493.87MM |
| Operating Cash Flow | $215.93MM | $237.98MM | $233.75MM |
| Capital expenditure | $2.15MM | $0.56MM | $0.43MM |
| Investing Cash Flow | $-713.90MM | $-359.53MM | $-769.71MM |
| Financing Cash Flow | $484.21MM | $84.19MM | $547.92MM |
| Earnings Per Share** | $4.10 | $2.17 | $0.90 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.