Consumer Portfolio Services, Inc.
General ticker "CPSS" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $199.9M (TTM average)
Consumer Portfolio Services, Inc. does not follow the US Stock Market performance with the rate: -6.2%.
Estimated limits based on current volatility of 1.4%: low 8.46$, high 8.69$
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
- Price in estimated range
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [7.68$, 13.34$]
- 2026-12-31 to 2027-12-31 estimated range: [7.75$, 13.62$]
Financial Metrics affecting the CPSS estimates:
- Positive: with PPE of 11.7 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 141.31 > 12.96
- Positive: Operating profit margin, % of 60.76 > 18.52
- Negative: Shareholder equity ratio, % of 8.02 <= 19.49
- Positive: Industry operating profit margin (median), % of 19.40 > 9.67
- Negative: Investing cash flow per share per price, % of -288.55 <= -14.24
- Positive: -3.36 < Return on assets ratio (scaled to [-100,100]) of 0.50
- Negative: -0.75 < Inventory ratio change, % of 0
Short-term CPSS quotes
Long-term CPSS plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $352.01MM | $393.51MM | $427.97MM |
| Operating Expenses | $290.92MM | $366.07MM | $167.94MM |
| Operating Income | $61.10MM | $27.43MM | $260.03MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-232.02MM |
| Interest Expense | $146.63MM | $191.26MM | $232.02MM |
| Income(Loss) | $61.10MM | $27.43MM | $28.00MM |
| Taxes | $15.75MM | $8.23MM | $8.68MM |
| Profit(Loss)* | $45.34MM | $19.20MM | $19.32MM |
| Stockholders Equity | $274.67MM | $292.77MM | $309.54MM |
| Assets | $2,903.75MM | $3,493.87MM | $3,858.19MM |
| Operating Cash Flow | $237.98MM | $233.75MM | $289.00MM |
| Capital expenditure | $0.56MM | $0.43MM | $0.71MM |
| Investing Cash Flow | $-359.53MM | $-769.71MM | $-590.12MM |
| Financing Cash Flow | $84.19MM | $547.92MM | $335.93MM |
| Earnings Per Share** | $2.17 | $0.90 | $0.88 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.