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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
63% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. CPSS: 0.01 )
CPSS' s 10-Year Cash to Debt Range
Min: 0   Max: N/A
Current: 0.01

Equity to Asset 0.07
CPSS's Equity to Asset is ranked lower than
55% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. CPSS: 0.07 )
CPSS' s 10-Year Equity to Asset Range
Min: -0.02   Max: 0.57
Current: 0.07

-0.02
0.57
Interest Coverage 1.04
CPSS's Interest Coverage is ranked lower than
58% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 9.60 vs. CPSS: 1.04 )
CPSS' s 10-Year Interest Coverage Range
Min: 0.02   Max: 9999.99
Current: 1.04

0.02
9999.99
F-Score: 5
Z-Score: 0.42
WACC vs ROIC
2.64%
1.89%
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 (%) 20.61
CPSS's Operating margin (%) is ranked higher than
67% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 20.61 vs. CPSS: 20.61 )
CPSS' s 10-Year Operating margin (%) Range
Min: -44.06   Max: 20.91
Current: 20.61

-44.06
20.91
Net-margin (%) 11.63
CPSS's Net-margin (%) is ranked higher than
61% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 16.32 vs. CPSS: 11.63 )
CPSS' s 10-Year Net-margin (%) Range
Min: -51.02   Max: 64.39
Current: 11.63

-51.02
64.39
ROE (%) 25.91
CPSS's ROE (%) is ranked higher than
90% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 11.27 vs. CPSS: 25.91 )
CPSS' s 10-Year ROE (%) Range
Min: -174.62   Max: 294.7
Current: 25.91

-174.62
294.7
ROA (%) 1.84
CPSS's ROA (%) is ranked higher than
60% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. CPSS: 1.84 )
CPSS' s 10-Year ROA (%) Range
Min: -4.23   Max: 9.35
Current: 1.84

-4.23
9.35
ROC (Joel Greenblatt) (%) 188.67
CPSS's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 17.98 vs. CPSS: 188.67 )
CPSS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3392.17   Max: 724.83
Current: 188.67

-3392.17
724.83
Revenue Growth (3Y)(%) 35.10
CPSS's Revenue Growth (3Y)(%) is ranked higher than
90% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. CPSS: 35.10 )
CPSS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   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) 6.20
CPSS's P/E(ttm) is ranked higher than
95% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 25.80 vs. CPSS: 6.20 )
CPSS' s 10-Year P/E(ttm) Range
Min: 2.15   Max: 76.94
Current: 6.2

2.15
76.94
Forward P/E 4.88
CPSS's Forward P/E is ranked higher than
99% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CPSS: 4.88 )
N/A
PE(NRI) 6.20
CPSS's PE(NRI) is ranked higher than
96% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 26.00 vs. CPSS: 6.20 )
CPSS' s 10-Year PE(NRI) Range
Min: 2.16   Max: 69.25
Current: 6.2

2.16
69.25
P/B 1.10
CPSS's P/B is ranked higher than
76% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 2.00 vs. CPSS: 1.10 )
CPSS' s 10-Year P/B Range
Min: 0.05   Max: 25.8
Current: 1.1

0.05
25.8
P/S 0.70
CPSS's P/S is ranked higher than
94% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 4.12 vs. CPSS: 0.70 )
CPSS' s 10-Year P/S Range
Min: 0.02   Max: 2.66
Current: 0.7

0.02
2.66
PFCF 1.30
CPSS's PFCF is ranked higher than
98% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CPSS: 1.30 )
CPSS' s 10-Year PFCF Range
Min: 0.04   Max: 21.83
Current: 1.3

0.04
21.83
POCF 1.30
CPSS's POCF is ranked higher than
97% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CPSS: 1.30 )
CPSS' s 10-Year POCF Range
Min: 0.04   Max: 10.76
Current: 1.3

0.04
10.76
EV-to-EBIT 34.12
CPSS's EV-to-EBIT is ranked higher than
71% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 34.13 vs. CPSS: 34.12 )
CPSS' s 10-Year EV-to-EBIT Range
Min: -8858   Max: 396.6
Current: 34.12

-8858
396.6
Days Sales Outstanding 34.39
CPSS's Days Sales Outstanding is ranked higher than
79% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 344.00 vs. CPSS: 34.39 )
CPSS' s 10-Year Days Sales Outstanding Range
Min: 16.7   Max: 2770.02
Current: 34.39

16.7
2770.02

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
CPSS's Price/Tangible Book is ranked higher than
78% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. CPSS: 1.10 )
CPSS' s 10-Year Price/Tangible Book Range
Min: 0.09   Max: 23.8
Current: 1.1

0.09
23.8
Price/DCF (Projected) 0.20
CPSS's Price/DCF (Projected) is ranked higher than
98% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CPSS: 0.20 )
CPSS' s 10-Year Price/DCF (Projected) Range
Min: 0.01   Max: 0.57
Current: 0.2

0.01
0.57
Price/Median PS Value 1.00
CPSS's Price/Median PS Value is ranked higher than
79% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. CPSS: 1.00 )
CPSS' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 23.11
Current: 1

0.05
23.11
Price/Graham Number 0.50
CPSS's Price/Graham Number is ranked higher than
96% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. CPSS: 0.50 )
CPSS' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 2.8
Current: 0.5

0.2
2.8
Earnings Yield (Greenblatt) 2.90
CPSS's Earnings Yield (Greenblatt) is ranked higher than
63% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. CPSS: 2.90 )
CPSS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 2.9
Current: 2.9

0.3
2.9

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 

More From Other Websites
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Change in Directors or Principal Officers,... May 22 2015
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10-Q for Consumer Portfolio Services, Inc. Apr 26 2015
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Change in Directors or Principal Officers Apr 24 2015
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q, Quarterly Report Apr 24 2015
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CPS Announces $100 Million Credit Facility Apr 23 2015
Consumer Portfolio Services Inc Earnings Call scheduled for 1:00 pm ET today Apr 16 2015
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 16 2015
Consumer Portfolio Services posts 1Q profit Apr 15 2015
Consumer Portfolio Services posts 1Q profit Apr 15 2015
CPS Announces First Quarter 2015 Earnings Apr 15 2015
Will MoneyGram's US Transactions Bounce Back in 2015? - Analyst Blog Apr 10 2015
3 Reasons Why Consumer Portfolio Services (CPSS) is a Great Value Stock - Tale of the Tape Apr 09 2015
CPS to Host Conference Call on First Quarter 2015 Earnings Apr 08 2015
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Moody's assigns definitive ratings to CPS Auto Receivables Trust 2015-A Notes Mar 25 2015
CPS Announces $245.0 Million Senior Subordinate Asset-Backed Securitization Mar 25 2015
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