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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.01
CPSS's Cash to Debt is ranked lower than
94% of the 327 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 Cash to Debt Range Over the Past 10 Years
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
94% of the 323 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. CPSS: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
CPSS' s Equity to Asset Range Over the Past 10 Years
Min: -0.02  Med: 0.07 Max: 0.57
Current: 0.07
-0.02
0.57
Interest Coverage 0.94
CPSS's Interest Coverage is ranked lower than
74% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. CPSS: 0.94 )
Ranked among companies with meaningful Interest Coverage only.
CPSS' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.41 Max: 1.06
Current: 0.94
0.12
1.06
F-Score: 5
M-Score: -2.61
WACC vs ROIC
2.36%
1.64%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 18.63
CPSS's Operating margin (%) is ranked lower than
54% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 20.16 vs. CPSS: 18.63 )
Ranked among companies with meaningful Operating margin (%) only.
CPSS' s Operating margin (%) Range Over the Past 10 Years
Min: -44.06  Med: 7.82 Max: 20.91
Current: 18.63
-44.06
20.91
Net-margin (%) 10.62
CPSS's Net-margin (%) is ranked lower than
57% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. CPSS: 10.62 )
Ranked among companies with meaningful Net-margin (%) only.
CPSS' s Net-margin (%) Range Over the Past 10 Years
Min: -51.02  Med: 6.27 Max: 64.39
Current: 10.62
-51.02
64.39
ROE (%) 21.91
CPSS's ROE (%) is ranked higher than
88% of the 333 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. CPSS: 21.91 )
Ranked among companies with meaningful ROE (%) only.
CPSS' s ROE (%) Range Over the Past 10 Years
Min: -178.04  Med: 14.26 Max: 294.7
Current: 21.91
-178.04
294.7
ROA (%) 1.60
CPSS's ROA (%) is ranked lower than
57% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. CPSS: 1.60 )
Ranked among companies with meaningful ROA (%) only.
CPSS' s ROA (%) Range Over the Past 10 Years
Min: -4.23  Med: 0.81 Max: 7.2
Current: 1.6
-4.23
7.2
Revenue Growth (3Y)(%) 31.80
CPSS's Revenue Growth (3Y)(%) is ranked higher than
90% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. CPSS: 31.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CPSS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.1  Med: 22.65 Max: 35.1
Current: 31.8
-34.1
35.1
EBITDA Growth (3Y)(%) 72.60
CPSS's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 213 Companies
in the Global Credit Services industry.

( Industry Median: 4.90 vs. CPSS: 72.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CPSS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.3  Med: 41.45 Max: 173.2
Current: 72.6
-31.3
173.2
EPS Growth (3Y)(%) -26.10
CPSS's EPS Growth (3Y)(%) is ranked lower than
81% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. CPSS: -26.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CPSS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.1  Med: -8.40 Max: 201.7
Current: -26.1
-26.1
201.7
» CPSS's 10-Y Financials

Financials (Next Earnings Date: 2016-07-28)


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

» Details

Guru Trades

Q2 2015

CPSS Guru Trades in Q2 2015

Jim Simons 587,987 sh (+13.60%)
» More
Q3 2015

CPSS Guru Trades in Q3 2015

Jim Simons 475,300 sh (-19.16%)
» More
Q4 2015

CPSS Guru Trades in Q4 2015

Jim Simons 447,200 sh (-5.91%)
» More
Q1 2016

CPSS Guru Trades in Q1 2016

Jim Simons 476,000 sh (+6.44%)
» 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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Business Description

Industry: Credit Services » Credit Services
Compare:OTCPK:FAHLF, OTCPK:FFMH, NAS:NICK, NAS:SNFCA, OTCPK:INPCF, NAS:ASFI, OTCPK:ACCFF, NYSE:FMD, OTCPK:CCGN, NAS:ATLC, NAS:LOAN, OTCPK:IEGH, NAS:LMFA, OTCPK:MFTGF, OTCPK:RRFFF, NAS:CCCR, OTCPK:LNDZF, OTCPK:NXCN, OTCPK:JGWE, OTCPK:MITJF » details
Traded in other countries:FC8.Germany,
Consumer Portfolio Services Inc is engaged in purchasing & servicing retail automobile contracts originated by franchised automobile dealers and by independent dealers in the United States in the sale of new & used automobiles..

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.

Ratios

vs
industry
vs
history
P/E(ttm) 3.55
CPSS's P/E(ttm) is ranked higher than
96% of the 301 Companies
in the Global Credit Services industry.

( Industry Median: 16.67 vs. CPSS: 3.55 )
Ranked among companies with meaningful P/E(ttm) only.
CPSS' s P/E(ttm) Range Over the Past 10 Years
Min: 2.15  Med: 7.67 Max: 76.94
Current: 3.55
2.15
76.94
Forward P/E 3.79
CPSS's Forward P/E is ranked higher than
95% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 12.06 vs. CPSS: 3.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 3.55
CPSS's PE(NRI) is ranked higher than
96% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 15.81 vs. CPSS: 3.55 )
Ranked among companies with meaningful PE(NRI) only.
CPSS' s PE(NRI) Range Over the Past 10 Years
Min: 2.16  Med: 7.65 Max: 69.25
Current: 3.55
2.16
69.25
Price/Owner Earnings (ttm) 2.98
CPSS's Price/Owner Earnings (ttm) is ranked higher than
92% of the 73 Companies
in the Global Credit Services industry.

( Industry Median: 13.31 vs. CPSS: 2.98 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CPSS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.11  Med: 6.07 Max: 52.7
Current: 2.98
0.11
52.7
P/B 0.59
CPSS's P/B is ranked higher than
79% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. CPSS: 0.59 )
Ranked among companies with meaningful P/B only.
CPSS' s P/B Range Over the Past 10 Years
Min: 0.05  Med: 1.14 Max: 28.67
Current: 0.59
0.05
28.67
P/S 0.39
CPSS's P/S is ranked higher than
95% of the 361 Companies
in the Global Credit Services industry.

( Industry Median: 3.41 vs. CPSS: 0.39 )
Ranked among companies with meaningful P/S only.
CPSS' s P/S Range Over the Past 10 Years
Min: 0.02  Med: 0.54 Max: 2.55
Current: 0.39
0.02
2.55
PFCF 0.61
CPSS's PFCF is ranked higher than
98% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 9.56 vs. CPSS: 0.61 )
Ranked among companies with meaningful PFCF only.
CPSS' s PFCF Range Over the Past 10 Years
Min: 0.04  Med: 1.62 Max: 20.15
Current: 0.61
0.04
20.15
POCF 0.60
CPSS's POCF is ranked higher than
98% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 8.85 vs. CPSS: 0.60 )
Ranked among companies with meaningful POCF only.
CPSS' s POCF Range Over the Past 10 Years
Min: 0.04  Med: 1.53 Max: 7.45
Current: 0.6
0.04
7.45
EV-to-EBIT 36.17
CPSS's EV-to-EBIT is ranked lower than
71% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 15.85 vs. CPSS: 36.17 )
Ranked among companies with meaningful EV-to-EBIT only.
CPSS' s EV-to-EBIT Range Over the Past 10 Years
Min: -8858  Med: 35.50 Max: 396.6
Current: 36.17
-8858
396.6
EV-to-EBITDA 35.76
CPSS's EV-to-EBITDA is ranked lower than
73% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 13.87 vs. CPSS: 35.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
CPSS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -637.8  Med: 35.60 Max: 191.7
Current: 35.76
-637.8
191.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.58
CPSS's Price/Tangible Book is ranked higher than
79% of the 353 Companies
in the Global Credit Services industry.

( Industry Median: 1.34 vs. CPSS: 0.58 )
Ranked among companies with meaningful Price/Tangible Book only.
CPSS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.09  Med: 1.12 Max: 26.44
Current: 0.58
0.09
26.44
Price/Projected FCF 0.10
CPSS's Price/Projected FCF is ranked higher than
95% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. CPSS: 0.10 )
Ranked among companies with meaningful Price/Projected FCF only.
CPSS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.01  Med: 0.16 Max: 0.62
Current: 0.1
0.01
0.62
Price/Median PS Value 0.70
CPSS's Price/Median PS Value is ranked higher than
75% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. CPSS: 0.70 )
Ranked among companies with meaningful Price/Median PS Value only.
CPSS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.07  Med: 1.41 Max: 27.22
Current: 0.7
0.07
27.22
Price/Graham Number 0.30
CPSS's Price/Graham Number is ranked higher than
93% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. CPSS: 0.30 )
Ranked among companies with meaningful Price/Graham Number only.
CPSS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.25  Med: 0.65 Max: 1.97
Current: 0.3
0.25
1.97
Earnings Yield (Greenblatt) (%) 2.80
CPSS's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. CPSS: 2.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CPSS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 1.20 Max: 3
Current: 2.8
0.3
3

More Statistics

Revenue (TTM) (Mil) $315.9
EPS (TTM) $ 1.08
Beta1.53
Short Percentage of Float3.47%
52-Week Range $3.31 - 6.17
Shares Outstanding (Mil)24.75

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.05 1.08
EPS w/o NRI ($) 1.05 1.08
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS: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 
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 
Consumer Portfolio Services Inc. Reports Operating Results (10-Q) May 15 2009 
Weekly CFO Buys Highlight: Consumer Portfolio Services, Redhook Ale Brewery, Reddy Ice Holdings, And Apr 18 2009 

More From Other Websites
ETF’s with exposure to Consumer Portfolio Services, Inc. : July 18, 2016 Jul 18 2016
CPS to Host Conference Call on Second Quarter 2016 Earnings Jul 18 2016
Consumer Portfolio Services, Inc. :CPSS-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28,... Jun 28 2016
ETF’s with exposure to Consumer Portfolio Services, Inc. : June 20, 2016 Jun 20 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... May 13 2016
CONSUMER PORTFOLIO SERVICES INC Financials May 11 2016
ETF’s with exposure to Consumer Portfolio Services, Inc. : May 9, 2016 May 09 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q/A, Quarterly Report May 04 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Change in Directors or Principal Officers,... May 03 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q, Quarterly Report May 02 2016
ETF’s with exposure to Consumer Portfolio Services, Inc. : April 28, 2016 Apr 28 2016
Consumer Portfolio Services, Inc. :CPSS-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 26 2016
Consumer Portfolio Services posts 1Q profit Apr 25 2016
Consumer Portfolio Services posts 1Q profit Apr 25 2016
CPS Announces First Quarter 2016 Earnings Apr 25 2016
CPS Announces $332.7 Million Senior Subordinate Asset-Backed Securitization Apr 20 2016
CPS to Host Conference Call on First Quarter 2016 Earnings Apr 15 2016
Is Consumer Portfolio Services Inc (CPSS) A Good Stock to Buy Right Now? Apr 08 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Mar 18 2016

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