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Company Analysis

Consumer Portfolio Services, In CPSS

A comprehensive view of key metrics, scores, and financial health for Consumer Portfolio Services, In

Overview of Consumer Portfolio Services, Inc.

CPSS NGM
Financial Services Credit Services Micro Cap
Consumer Portfolio Services, Inc. (CPSS), is a Micro Cap company, in the Credit Services industry, last closed at $7.53, about 75.8% undervalued vs fair value, -10.9% 1Y return, ranked 475/1004 in sector.
$7.53
-0.53%
As of March 13, 2026
Previous close • Vol 90d: 41.9%
52-Week Range
Market Cap
$167.35M
Enterprise Value
$3.59B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.consumerportfolio....
HQ Las Vegas, NV
Employees 918
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$25
Current: $7.53 +76% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$385.0M
12.8%%
Interest Expense
$191.3M
Net Interest Income
$193.7M
-0.5%%
Total Revenue
$202.2M
-1.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$20.7M
107.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Consumer Portfolio Services, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
71
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing CPSS's balance between Growth (16.0%), Profitability (49.9%), and Safety (34.1%). Growth 16% Safety 34% Profitability 50%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

19th percentile vs peers
19
Key Signals
Revenue CAGR 3Y 1.7% 34p Rev Growth YoY -1.5% 18p EPS Growth YoY -56.1% 12p TSR -25.3% 21p EPS CAGR 3Y -24.6% 3p
Strengths
  • D/E Ratio in top 20% of peers (10.69, 89th percentile)
  • Gross Profit Margin in top 20% of peers (1.11, 97th percentile)
  • Fcf Margin in top 20% of peers (1.15, 93th percentile)
  • Debt/Fcf Ratio in top 20% of peers (13.42, 87th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 19)
  • Rev Growth Yoy in bottom 20% of peers (-1.5%)
  • Eps Growth Yoy in bottom 20% of peers (-56.1%)

Profitability

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
41
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Consumer Portfolio Services, In.

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Bear
-
- - -
- upside
-
Base
$13.24
- - -
+75.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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