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8.35 (1y: +341%)
Market Cap 168.8 M P/E(ttm) 3.60
Enterprise Value 1.13 B P/B 2.80
CPSS- NAS (USA)
Consumer Portfolio Services Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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Performances of real portfolio
Top Ranked Predictable Companies
$8.35
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Valuation Ratios|Valuation and Quality|Per share data|Common Size Ratios|Income Statment|Balance Sheet|Cashflow Statement
Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -2.4  -22.6  29.4 
EBITDA Growth (%) 0  0  0 
Free Cash Flow Growth (%) -3.9  -40.3  225.9 
Book Value Growth (%) 0  0  0 

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.
   Trendline:
Export: Download financial data to Excel Download financial data to CSV  Print This Table Print helpSee this page for the explanation of the data and charts * All numbers are in millions except for per share data
Per Share DataAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
3.57
4.76
6.04
7.72
11.30
11.03
6.01
4.17
3.16
4.23
4.40
0.98
0.99
1.10
1.10
1.21
EBITDA per Share
0.03
-0.66
0.37
0.61
1.73
-2.23
-2.61
-0.93
-0.73
0.38
0.54
0.03
0.06
0.11
0.16
0.21
Free Cashflow per Share
4.62
0.47
1.56
2.37
6.79
6.48
4.22
2.17
0.55
1.36
1.76
0.20
0.18
0.29
0.62
0.67
Earnings per Share ($)
0.02
-0.75
0.14
1.64
0.61
-1.36
-3.07
-1.94
-0.76
2.72
2.45
0.02
0.05
0.11
2.17
0.12
Book Value per Share
3.81
3.31
3.13
4.64
5.06
4.67
1.91
0.26
-0.75
2.41
2.12
-0.56
-0.43
-0.29
2.06
2.12
Month End Stock Price
3.72
4.87
5.75
6.51
3.35
0.40
1.17
1.19
0.89
5.36
11.71
1.25
1.92
3.00
5.36
11.71
RatiosAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
0.50
-22.70
4.60
11.80
12.10
-29.00
-161
-743
--
113
22.80
--
--
--
423
22.80
Return on Assets %
0.10
-2.10
0.30
0.80
0.60
-1.60
-5.40
-4.60
-1.60
6.70
1.20
0.40
0.40
1.20
24.80
1.20
Return on Capital - Joel Greenblatt %
-229
-74.00
18.10
22.20
11.10
--
--
-55.30
-89.40
96.80
195
10.80
28.00
102
194
195
Debt to Equity
4.47
9.66
14.43
14.22
18.04
16.25
26.92
149
-49.94
0.73
14.21
-57.32
-73.25
-112
0.73
14.21
   
Operating Margin %
-3.90
-15.80
2.40
7.10
9.40
-20.50
-44.10
-23.10
-24.10
8.50
17.10
2.30
5.50
9.60
14.00
17.10
Net Margin %
0.50
-15.80
2.40
7.10
5.40
-12.30
-51.00
-46.40
-24.10
64.40
9.90
2.30
5.50
9.60
197
9.90
   
Debt to Revenue
4.76
6.72
7.48
8.54
8.08
6.88
8.54
9.30
11.81
0.42
24.89
32.46
32.26
29.32
1.37
24.89
Interest Exp. to Revenue %
44.51
73.27
84.61
91.77
90.49
92.05
86.00
75.20
74.57
88.97
91.04
82.41
89.29
89.89
92.35
91.04
   
Asset Turnover
0.16
0.13
0.12
0.11
0.11
0.13
0.11
0.10
0.07
0.10
0.03
0.03
0.03
0.03
0.03
0.03
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
34.30
73.67
120
170
231
195
96.43
54.86
44.80
95.89
112
18.30
21.72
25.49
30.38
34.82
Non Interest Income
42.77
26.87
21.86
15.30
24.29
16.86
15.70
18.10
15.28
11.89
11.41
3.91
2.61
2.87
2.52
3.43
Revenue
77.07
101
142
186
255
212
112
72.96
60.08
108
124
22.21
24.32
28.36
32.89
38.25
   
Selling, General, &Admin. Expense
42.52
46.51
52.38
52.51
64.86
88.60
65.29
56.17
55.35
61.67
61.56
15.99
14.41
15.33
15.94
15.89
Credit Losses Provision
--
--
--
--
--
--
92.01
29.92
15.51
33.50
43.81
4.84
7.71
9.47
11.48
15.15
Other Expenses
33.90
68.05
80.99
119
151
166
3.52
3.07
3.01
2.89
2.72
0.72
0.73
0.72
0.72
0.54
Earnings Before DDA
0.66
-14.02
8.65
14.73
39.19
-42.92
-48.70
-16.20
-13.79
9.73
15.74
0.66
1.47
2.85
4.75
6.67
   
Depreciation, Depletion and Amortization
3.70
1.87
5.28
1.53
15.24
0.54
0.71
0.65
0.67
0.54
0.53
0.15
0.13
0.12
0.14
0.14
   
Operating Income
-3.04
-15.89
3.37
13.20
23.96
-43.46
-49.41
-16.84
-14.46
9.19
15.20
0.51
1.34
2.73
4.61
6.53
Net Income
0.40
-15.89
3.37
13.20
13.86
-26.09
-57.21
-33.83
-14.46
69.41
72.68
0.51
1.34
2.73
64.83
3.79
   
Earnings per Share ($)
0.02
-0.75
0.14
1.64
0.61
-1.36
-3.07
-1.94
-0.76
2.72
2.45
0.02
0.05
0.11
2.17
0.12
Total Shares Outstanding
21.58
21.11
23.51
24.05
22.60
19.23
18.64
17.48
19.01
25.48
31.62
22.60
24.64
25.70
29.83
31.62
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
33.21
14.37
17.79
14.22
20.88
22.08
12.43
16.25
10.09
12.97
13.87
10.61
10.24
10.47
12.97
13.87
Money Market Investments
67.28
125
158
193
170
153
129
124
159
104
139
132
128
107
104
139
Net Loan
266
550
914
1,401
1,968
--
--
--
--
745
833
--
--
--
745
833
Securities & Investments
112
50.43
25.22
13.80
2.27
--
--
--
4.41
4.82
3.51
4.61
4.85
4.90
4.82
3.51
Accounts Receivable
3.94
9.20
10.93
17.04
24.10
1,354
849
559
673
70.08
53.62
677
714
756
70.08
53.62
Property, Plant and Equipment
0.83
1.57
1.08
0.82
1.50
1.40
1.51
1.14
0.88
0.73
0.58
0.75
0.77
0.80
0.73
0.58
Other Assets
9.33
15.73
28.89
88.05
95.85
108
77.14
42.91
42.47
99.83
102
42.75
44.17
43.01
99.83
102
Total Assets
492
767
1,155
1,728
2,283
1,639
1,068
743
890
1,038
1,145
867
902
923
1,038
1,145
   
Accounts Payable
22.92
18.15
19.57
30.89
106
21.70
17.91
20.39
27.99
17.79
21.47
25.96
23.47
22.15
17.79
21.47
Current Portion of Long-Term Debt
33.71
34.28
35.35
72.95
236
9.92
4.93
45.56
25.39
21.73
26.68
28.93
28.57
20.40
21.73
26.68
Long-Term Debt
333
641
1,027
1,513
1,826
1,450
953
633
684
23.28
925
692
756
811
23.28
925
Other liabilities
20.27
2.98
0.00
--
--
67.30
56.93
39.44
167
914
105
133
105
76.63
914
105
Total Liabilities
410
697
1,082
1,617
2,168
1,549
1,033
738
904
976
1,078
880
913
930
976
1,078
   
Common Stock
64.40
66.28
66.75
64.44
55.22
54.70
--
--
--
--
 --
--
64.11
--
--
--
Preferred Stock
--
--
--
--
--
--
--
1.60
--
--
 --
--
--
--
--
--
Retained Earnings
20.99
5.10
8.48
48.03
60.79
34.70
-22.50
-56.33
-68.14
1.27
5.06
-67.63
-66.29
-63.56
1.27
5.06
Additional Paid-In Capital
--
--
0.79
0.79
0.79
7.47
63.72
64.64
62.47
65.68
67.56
63.58
--
64.64
65.68
67.56
Total Equity
82.16
69.92
73.59
112
114
89.85
35.58
4.55
-14.21
61.31
66.98
-12.58
-10.71
-7.46
61.31
66.98
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
0.40
-15.89
3.37
39.56
13.86
-26.09
-57.21
-33.83
-14.46
69.41
72.68
0.51
1.34
2.73
64.83
3.79
Depreciation, Depletion and Amortization
3.70
1.87
5.28
1.53
15.24
0.54
0.71
0.65
0.67
0.54
0.53
0.15
0.13
0.12
0.14
0.14
Cash Flow from Others
95.67
23.97
28.03
16.03
124
151
136
71.32
24.59
-34.96
-21.64
3.79
2.99
4.66
-46.41
17.12
Cash Flow from Operations
99.76
9.96
36.68
57.11
153
125
79.50
38.14
10.80
34.99
51.58
4.46
4.46
7.51
18.56
21.05
   
Investment for Property, Plant & Equipement
--
--
--
--
--
-0.44
-0.81
-0.28
-0.40
-0.39
-0.36
-0.03
-0.15
-0.15
-0.07
--
Cash Flow from Acquisitions
-10.18
--
--
--
--
--
--
--
--
--
 --
--
--
--
--
--
Cash Flow from Investing
-180
-314
-412
-568
-665
658
439
273
-155
-91.49
-235
27.95
-31.89
-27.26
-60.29
-115
   
Net Issuance of Stock
-0.61
0.97
0.27
-3.25
-10.59
-3.72
-1.00
-2.20
-0.52
-0.44
-0.31
-0.24
-0.19
--
--
-0.12
Net Issuance of Debt
84.37
291
385
521
541
-778
-527
-305
-51.78
65.66
170
10.08
62.78
45.57
-52.77
114
Other Financing
-3.45
-7.05
-6.80
-9.99
-11.91
0.14
-0.00
-0.00
190
-5.85
17.11
-41.72
-35.53
-25.59
96.99
-18.76
Cash Flow from Financing
80.31
285
378
508
519
-781
-528
-307
138
59.38
186
-31.88
27.05
19.98
44.22
95.21
   
Net Change in Cash
0.26
-18.84
3.42
-3.57
6.67
1.20
-9.65
3.82
-6.16
2.87
3.25
0.52
-0.37
0.23
2.50
0.90
   
Free Cash Flow
99.76
9.96
36.68
57.11
153
125
78.69
37.86
10.39
34.60
51.21
4.43
4.32
7.36
18.49
21.05
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
PE Ratio(ttm) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Price to Tangible Book Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Price-to-Free-Cash-Flow ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
PS Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-Revenue Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-EBITDA Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-EBIT Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Earnings Yield (Joel Greenblatt) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Forward Rate of Return Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Shiller PE Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Valuation and QualityAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Market Cap Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Enterprise Value Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Month End Stock Price Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Cash (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Current Asset Value (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
DCF (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Median PS (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Peter Lynch Fair Value (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Graham Number (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Altman Z-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Piotroski F-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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