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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.01
CPSS's Cash to Debt is ranked lower than
95% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 209.25 vs. CPSS: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
CPSS' s 10-Year Cash to Debt Range
Min: 0  Med: 0.02 Max: N/A
Current: 0.01
Equity to Asset 0.07
CPSS's Equity to Asset is ranked lower than
91% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. CPSS: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
CPSS' s 10-Year Equity to Asset Range
Min: -0.02  Med: 0.07 Max: 0.57
Current: 0.07
-0.02
0.57
Interest Coverage 1.04
CPSS's Interest Coverage is ranked lower than
88% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 19.62 vs. CPSS: 1.04 )
Ranked among companies with meaningful Interest Coverage only.
CPSS' s 10-Year Interest Coverage Range
Min: 0.02  Med: 1.04 Max: 9999.99
Current: 1.04
0.02
9999.99
F-Score: 5
WACC vs ROIC
3.44%
1.85%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 20.53
CPSS's Operating margin (%) is ranked higher than
50% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 20.45 vs. CPSS: 20.53 )
Ranked among companies with meaningful Operating margin (%) only.
CPSS' s 10-Year Operating margin (%) Range
Min: -44.06  Med: 0.37 Max: 20.91
Current: 20.53
-44.06
20.91
Net-margin (%) 11.54
CPSS's Net-margin (%) is ranked lower than
59% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 15.81 vs. CPSS: 11.54 )
Ranked among companies with meaningful Net-margin (%) only.
CPSS' s 10-Year Net-margin (%) Range
Min: -51.02  Med: 1.52 Max: 64.39
Current: 11.54
-51.02
64.39
ROE (%) 25.38
CPSS's ROE (%) is ranked higher than
85% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 7.74 vs. CPSS: 25.38 )
Ranked among companies with meaningful ROE (%) only.
CPSS' s 10-Year ROE (%) Range
Min: -174.62  Med: 4.70 Max: 294.7
Current: 25.38
-174.62
294.7
ROA (%) 1.81
CPSS's ROA (%) is ranked lower than
58% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. CPSS: 1.81 )
Ranked among companies with meaningful ROA (%) only.
CPSS' s 10-Year ROA (%) Range
Min: -4.23  Med: 0.39 Max: 9.35
Current: 1.81
-4.23
9.35
ROC (Joel Greenblatt) (%) 177.58
CPSS's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 16.23 vs. CPSS: 177.58 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CPSS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3392.17  Med: 9.97 Max: 724.83
Current: 177.58
-3392.17
724.83
Revenue Growth (3Y)(%) 35.10
CPSS's Revenue Growth (3Y)(%) is ranked higher than
86% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. CPSS: 35.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CPSS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -11.00 Max: 35.1
Current: 35.1
0
35.1
» CPSS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

CPSS Guru Trades in Q2 2014

Jim Simons 328,962 sh (+36.13%)
» More
Q3 2014

CPSS Guru Trades in Q3 2014

Jim Simons 369,700 sh (+12.38%)
» More
Q4 2014

CPSS Guru Trades in Q4 2014

Jim Simons 450,515 sh (+21.86%)
» More
Q1 2015

CPSS Guru Trades in Q1 2015

Jim Simons 517,600 sh (+14.89%)
» More
» Details

Insider Trades

Latest Guru Trades with CPSS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 5.96
CPSS's P/E(ttm) is ranked higher than
87% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: 15.80 vs. CPSS: 5.96 )
Ranked among companies with meaningful P/E(ttm) only.
CPSS' s 10-Year P/E(ttm) Range
Min: 2.15  Med: 8.66 Max: 76.94
Current: 5.96
2.15
76.94
Forward P/E 5.09
CPSS's Forward P/E is ranked higher than
91% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 11.00 vs. CPSS: 5.09 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 5.60
CPSS's PE(NRI) is ranked higher than
88% of the 209 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. CPSS: 5.60 )
Ranked among companies with meaningful PE(NRI) only.
CPSS' s 10-Year PE(NRI) Range
Min: 2.16  Med: 8.62 Max: 69.25
Current: 5.6
2.16
69.25
P/B 1.33
CPSS's P/B is ranked higher than
50% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. CPSS: 1.33 )
Ranked among companies with meaningful P/B only.
CPSS' s 10-Year P/B Range
Min: 0.05  Med: 1.34 Max: 25.8
Current: 1.33
0.05
25.8
P/S 0.69
CPSS's P/S is ranked higher than
90% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. CPSS: 0.69 )
Ranked among companies with meaningful P/S only.
CPSS' s 10-Year P/S Range
Min: 0.02  Med: 0.71 Max: 2.66
Current: 0.69
0.02
2.66
PFCF 1.24
CPSS's PFCF is ranked higher than
92% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 8.51 vs. CPSS: 1.24 )
Ranked among companies with meaningful PFCF only.
CPSS' s 10-Year PFCF Range
Min: 0.04  Med: 1.85 Max: 21.83
Current: 1.24
0.04
21.83
POCF 1.23
CPSS's POCF is ranked higher than
95% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 8.03 vs. CPSS: 1.23 )
Ranked among companies with meaningful POCF only.
CPSS' s 10-Year POCF Range
Min: 0.04  Med: 1.78 Max: 10.76
Current: 1.23
0.04
10.76
EV-to-EBIT 32.45
CPSS's EV-to-EBIT is ranked lower than
70% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 19.71 vs. CPSS: 32.45 )
Ranked among companies with meaningful EV-to-EBIT only.
CPSS' s 10-Year EV-to-EBIT Range
Min: -8858  Med: 35.00 Max: 396.6
Current: 32.45
-8858
396.6
Days Sales Outstanding 36.63
CPSS's Days Sales Outstanding is ranked lower than
53% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 26.32 vs. CPSS: 36.63 )
Ranked among companies with meaningful Days Sales Outstanding only.
CPSS' s 10-Year Days Sales Outstanding Range
Min: 16.7  Med: 35.51 Max: 2770.02
Current: 36.63
16.7
2770.02

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.34
CPSS's Price/Tangible Book is ranked higher than
53% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. CPSS: 1.34 )
Ranked among companies with meaningful Price/Tangible Book only.
CPSS' s 10-Year Price/Tangible Book Range
Min: 0.09  Med: 1.16 Max: 23.8
Current: 1.34
0.09
23.8
Price/Projected FCF 0.20
CPSS's Price/Projected FCF is ranked higher than
85% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. CPSS: 0.20 )
Ranked among companies with meaningful Price/Projected FCF only.
CPSS' s 10-Year Price/Projected FCF Range
Min: 0.01  Med: 0.16 Max: 0.57
Current: 0.2
0.01
0.57
Price/Median PS Value 0.98
CPSS's Price/Median PS Value is ranked higher than
54% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CPSS: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
CPSS' s 10-Year Price/Median PS Value Range
Min: 0.05  Med: 1.05 Max: 23.11
Current: 0.98
0.05
23.11
Price/Graham Number 0.60
CPSS's Price/Graham Number is ranked higher than
84% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. CPSS: 0.60 )
Ranked among companies with meaningful Price/Graham Number only.
CPSS' s 10-Year Price/Graham Number Range
Min: 0.2  Med: 0.59 Max: 2.8
Current: 0.6
0.2
2.8
Earnings Yield (Greenblatt) (%) 3.10
CPSS's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. CPSS: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CPSS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 1.00 Max: 3.1
Current: 3.1
0.3
3.1

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, COF, RDCRL » details
Traded in other countries:FC8.Germany,
Consumer Portfolio Services Inc was incorporated in California on March 8, 1991. The company is engaged in purchasing and servicing retail automobile installment sale contracts originated by franchised automobile dealers and by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. It provides indirect financing to the customers of dealers who have limited credit histories, low incomes or past credit problems, who we refer to as sub-prime customers. In addition to purchasing installment purchase contracts directly from dealers the company also acquired installment purchase contracts in four merger and acquisition transactions, purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders, directly originated an immaterial amount of vehicle purchase money loans by lending money directly to consumers & directly originated an immaterial amount of loans secured by automobiles owned by consumers. It service all automobile contracts that we own as well as those automobile contracts that are included in portfolios that we have sold in securitizations or service for third parties. The company's programs cover a band of the credit spectrum and are labeled as follows: First Time Buyer - This program accommodates an applicant who has limited significant past credit history, such as a previous auto loan; Mercury / Delta - this program accommodates an applicant who might have had significant past non-performing credit including recent derogatory credit; Standard - this program accommodates an applicant who may have significant past non-performing credit, but who has also exhibited some performing credit in their history; Alpha - this program accommodates applicants who may have a discharged bankruptcy, but who have also exhibited performing credit; Alpha Plus - this program accommodates applicants with past non-performing credit, but with a stronger history of recent performing credit, including auto related credit, and higher incomes than the Alpha program; Super Alpha - this program accommodates applicants with past non-performing credit, but with a somewhat stronger history of recent performing credit, including auto related credit, and higher incomes than the Alpha Plus program; Preferred - this program accommodates applicants with past non-performing credit, but who meet a certain minimum FICO score threshold. The Company competes with a number of national, regional and local finance companies with operations similar to its. The Company's business is subject to numerous federal and state consumer protection laws and regulations.
» More Articles for CPSS

Headlines

Articles On GuruFocus.com
2014: The Year in Review Jan 09 2015 
Three Stocks With Massive Insider Buying Sep 03 2014 
Three stocks for investors seeking growth at a reasonable price, value and some meaningful insider p Aug 28 2014 
Undervalued and Swin Mar 26 2013 
comment on CPSS Mar 02 2013 
Consumer Portfolio Services Inc. Reports Operating Results (10-Q) Nov 12 2010 
Consumer Portfolio Services Inc. Reports Operating Results (10-Q) Aug 16 2010 
Consumer Portfolio Services Inc. Reports Operating Results (10-Q) May 14 2010 
Consumer Portfolio Services Inc. Reports Operating Results (10-Q) Nov 16 2009 
Consumer Portfolio Services Inc. Reports Operating Results (10-Q) Aug 14 2009 

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CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Jul 30 2015
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10-Q for Consumer Portfolio Services, Inc. Jul 26 2015
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q, Quarterly Report Jul 24 2015
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Consumer Portfolio Services Inc Earnings Call scheduled for 1:00 pm ET today Jul 16 2015
CPS Announces Second Quarter 2015 Earnings Jul 15 2015
Consumer Portfolio Services posts 2Q profit Jul 15 2015
Consumer Portfolio Services posts 2Q profit Jul 15 2015
CPS Announces Second Quarter 2015 Earnings Jul 15 2015
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CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K/A, Financial Statements and Exhibits Jun 26 2015
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