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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
96% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 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: 0.01  Med: 0.02 Max: 0.21
Current: 0.01
0.01
0.21
Equity-to-Asset 0.08
CPSS's Equity-to-Asset is ranked lower than
94% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. CPSS: 0.08 )
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: 0.41
Current: 0.08
-0.02
0.41
Interest Coverage 0.54
CPSS's Interest Coverage is ranked lower than
86% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. CPSS: 0.54 )
Ranked among companies with meaningful Interest Coverage only.
CPSS' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.63 Max: 1.06
Current: 0.54
0.12
1.06
Beneish M-Score: -2.70
WACC vs ROIC
2.71%
1.14%
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 : 6/10

vs
industry
vs
history
Operating Margin % 13.11
CPSS's Operating Margin % is ranked lower than
59% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. CPSS: 13.11 )
Ranked among companies with meaningful Operating Margin % only.
CPSS' s Operating Margin % Range Over the Past 10 Years
Min: -44.06  Med: 8.95 Max: 20.91
Current: 13.11
-44.06
20.91
Net Margin % 7.70
CPSS's Net Margin % is ranked lower than
59% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. CPSS: 7.70 )
Ranked among companies with meaningful Net Margin % only.
CPSS' s Net Margin % Range Over the Past 10 Years
Min: -51.02  Med: 7 Max: 64.39
Current: 7.7
-51.02
64.39
ROE % 14.86
CPSS's ROE % is ranked higher than
77% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. CPSS: 14.86 )
Ranked among companies with meaningful ROE % only.
CPSS' s ROE % Range Over the Past 10 Years
Min: -174.62  Med: 16.87 Max: 294.7
Current: 14.86
-174.62
294.7
ROA % 1.12
CPSS's ROA % is ranked lower than
62% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. CPSS: 1.12 )
Ranked among companies with meaningful ROA % only.
CPSS' s ROA % Range Over the Past 10 Years
Min: -4.23  Med: 0.99 Max: 7.2
Current: 1.12
-4.23
7.2
3-Year Revenue Growth Rate 23.50
CPSS's 3-Year Revenue Growth Rate is ranked higher than
84% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. CPSS: 23.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CPSS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -34.1  Med: 19.4 Max: 35.1
Current: 23.5
-34.1
35.1
3-Year EBITDA Growth Rate 13.40
CPSS's 3-Year EBITDA Growth Rate is ranked higher than
60% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. CPSS: 13.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CPSS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -31.3  Med: 13.4 Max: 173.2
Current: 13.4
-31.3
173.2
3-Year EPS without NRI Growth Rate 14.70
CPSS's 3-Year EPS without NRI Growth Rate is ranked higher than
69% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. CPSS: 14.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CPSS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -26  Med: -0.7 Max: 334.4
Current: 14.7
-26
334.4
GuruFocus has detected 2 Warning Signs with Consumer Portfolio Services Inc $CPSS.
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» CPSS's 10-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CPSS Guru Trades in Q1 2016

Jim Simons 476,000 sh (+6.44%)
» More
Q2 2016

CPSS Guru Trades in Q2 2016

Jim Simons 485,700 sh (+2.04%)
» More
Q3 2016

CPSS Guru Trades in Q3 2016

Jim Simons 508,800 sh (+4.76%)
» More
Q4 2016

CPSS Guru Trades in Q4 2016

Jim Simons 517,900 sh (+1.79%)
» 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    NAICS: 522220    SIC: 6159
Compare:NAS:SNFCA, NAS:CLDC, OTCPK:CCGN, NAS:NICK, OTCPK:FAHLF, OTCPK:CHWWF, NAS:ASFI, OTCPK:MOGOF, NAS:MFIN, NAS:LOAN, NAS:ATLC, NAS:CCCR, NAS:FPAY, OTCPK:IEGH, NAS:LMFA, OTCPK:JGWE, OTCPK:LTMP, NYSE:RM, OTCPK:EHMEF, NYSE:ELVT » details
Traded in other countries:FC8.Germany,
Headquarter Location:USA
Consumer Portfolio Services Inc is a specialty finance company. It purchases & services retail automobile contracts originated by franchised automobile and independent dealers in USA in the sale of new & used automobiles, light trucks & passenger vans.

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
PE Ratio 5.24
CPSS's PE Ratio is ranked higher than
94% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. CPSS: 5.24 )
Ranked among companies with meaningful PE Ratio only.
CPSS' s PE Ratio Range Over the Past 10 Years
Min: 1.9  Med: 4.86 Max: 92.33
Current: 5.24
1.9
92.33
Forward PE Ratio 5.80
CPSS's Forward PE Ratio is ranked higher than
98% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 12.74 vs. CPSS: 5.80 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 5.24
CPSS's PE Ratio without NRI is ranked higher than
94% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. CPSS: 5.24 )
Ranked among companies with meaningful PE Ratio without NRI only.
CPSS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.9  Med: 4.86 Max: 92.33
Current: 5.24
1.9
92.33
Price-to-Owner-Earnings 23.41
CPSS's Price-to-Owner-Earnings is ranked lower than
74% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 11.54 vs. CPSS: 23.41 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CPSS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.11  Med: 6.09 Max: 52.7
Current: 23.41
0.11
52.7
PB Ratio 0.61
CPSS's PB Ratio is ranked higher than
79% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. CPSS: 0.61 )
Ranked among companies with meaningful PB Ratio only.
CPSS' s PB Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.99 Max: 28.67
Current: 0.61
0.05
28.67
PS Ratio 0.42
CPSS's PS Ratio is ranked higher than
95% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. CPSS: 0.42 )
Ranked among companies with meaningful PS Ratio only.
CPSS' s PS Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.44 Max: 2.55
Current: 0.42
0.02
2.55
Price-to-Free-Cash-Flow 0.73
CPSS's Price-to-Free-Cash-Flow is ranked higher than
97% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. CPSS: 0.73 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CPSS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.04  Med: 1.22 Max: 37.01
Current: 0.73
0.04
37.01
Price-to-Operating-Cash-Flow 0.73
CPSS's Price-to-Operating-Cash-Flow is ranked higher than
97% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. CPSS: 0.73 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CPSS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.04  Med: 1.21 Max: 34.63
Current: 0.73
0.04
34.63
EV-to-EBIT 50.86
CPSS's EV-to-EBIT is ranked lower than
82% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. CPSS: 50.86 )
Ranked among companies with meaningful EV-to-EBIT only.
CPSS' s EV-to-EBIT Range Over the Past 10 Years
Min: -8858  Med: 35.9 Max: 273.9
Current: 50.86
-8858
273.9
EV-to-EBITDA 50.19
CPSS's EV-to-EBITDA is ranked lower than
82% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. CPSS: 50.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
CPSS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -637.8  Med: 36 Max: 174.6
Current: 50.19
-637.8
174.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.30
CPSS's 3-Year Average Share Buyback Ratio is ranked higher than
77% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: -5.00 vs. CPSS: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CPSS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.9  Med: -1.5 Max: 5.7
Current: 0.3
-9.9
5.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.61
CPSS's Price-to-Tangible-Book is ranked higher than
79% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. CPSS: 0.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CPSS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.09  Med: 0.93 Max: 26.44
Current: 0.61
0.09
26.44
Price-to-Intrinsic-Value-Projected-FCF 0.08
CPSS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
97% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. CPSS: 0.08 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CPSS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.01  Med: 0.14 Max: 0.43
Current: 0.08
0.01
0.43
Price-to-Median-PS-Value 0.95
CPSS's Price-to-Median-PS-Value is ranked higher than
61% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CPSS: 0.95 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CPSS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.08  Med: 1.33 Max: 3.45
Current: 0.95
0.08
3.45
Price-to-Graham-Number 0.36
CPSS's Price-to-Graham-Number is ranked higher than
95% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. CPSS: 0.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CPSS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.36  Med: 0.58 Max: 2.78
Current: 0.36
0.36
2.78
Earnings Yield (Greenblatt) % 1.97
CPSS's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. CPSS: 1.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CPSS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 2.1 Max: 3
Current: 1.97
0.4
3

More Statistics

Revenue (TTM) (Mil) $345.0
EPS (TTM) $ 0.93
Beta1.50
Short Percentage of Float4.59%
52-Week Range $3.31 - 6.05
Shares Outstanding (Mil)23.56

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.84 0.90
EPS without NRI ($) 0.84 0.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for CPSS

Headlines

Articles On GuruFocus.com
CPS Announces $225.2 Million Senior Subordinate Asset-Backed Securitization Apr 20 2017 
CPS Announces Renewal of $100 Million Credit Facility Apr 18 2017 
CPS to Host Conference Call on First Quarter 2017 Earnings Apr 13 2017 
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 

More From Other Websites
New Strong Sell Stocks for April 24th Apr 24 2017
Edited Transcript of CPSS earnings conference call or presentation 20-Apr-17 5:00pm GMT Apr 21 2017
UPDATE: CPS Announces First Quarter 2017 Earnings Apr 20 2017
CPS Announces $225.2 Million Senior Subordinate Asset-Backed Securitization Apr 20 2017
Consumer Portfolio Services posts 1Q profit Apr 19 2017
CPS Announces First Quarter 2017 Earnings Apr 19 2017
CPS Announces Renewal of $100 Million Credit Facility Apr 18 2017
CPS to Host Conference Call on First Quarter 2017 Earnings Apr 13 2017
ETFs with exposure to Consumer Portfolio Services, Inc. : April 5, 2017 Apr 05 2017
Consumer Portfolio Services, Inc. :CPSS-US: Earnings Analysis: Q4, 2016 By the Numbers : March 14,... Mar 14 2017
Consumer Portfolio Services, Inc. :CPSS-US: Earnings Analysis: 2016 By the Numbers : February 16,... Feb 16 2017
Edited Transcript of CPSS earnings conference call or presentation 15-Feb-17 6:00pm GMT Feb 15 2017
CPS Announces Fourth Quarter 2016 Earnings Feb 14 2017
CPS to Host Conference Call on Fourth Quarter 2016 Earnings Feb 06 2017
Consumer Portfolio (CPSS) Looks Good: Stock Rises by 5% Dec 12 2016
ETFs with exposure to Consumer Portfolio Services, Inc. : December 8, 2016 Dec 08 2016
Consumer Portfolio (CPSS) Catches Eye: Stock Jumps 5.7% Nov 30 2016
Moody's upgrades CPS subprime auto loan ABS from 2012 through 2015 Nov 23 2016

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