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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
NAS:CPSS's Cash-to-Debt is ranked lower than
96% of the 289 Companies
in the Global Credit Services industry.

( Industry Median: 3.69 vs. NAS:CPSS: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS: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
NAS:CPSS's Equity-to-Asset is ranked lower than
93% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. NAS:CPSS: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS: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 0.62
NAS:CPSS's Interest Coverage is ranked lower than
85% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 5.48 vs. NAS:CPSS: 0.62 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CPSS' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.63 Max: 1.06
Current: 0.62
0.12
1.06
Piotroski F-Score: 4
Beneish M-Score: -3.64
WACC vs ROIC
2.85%
1.30%
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 % 14.51
NAS:CPSS's Operating Margin % is ranked lower than
59% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 18.21 vs. NAS:CPSS: 14.51 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CPSS' s Operating Margin % Range Over the Past 10 Years
Min: -44.06  Med: 8.95 Max: 20.91
Current: 14.51
-44.06
20.91
Net Margin % 8.56
NAS:CPSS's Net Margin % is ranked lower than
59% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 12.83 vs. NAS:CPSS: 8.56 )
Ranked among companies with meaningful Net Margin % only.
NAS:CPSS' s Net Margin % Range Over the Past 10 Years
Min: -51.02  Med: 7 Max: 64.39
Current: 8.56
-51.02
64.39
ROE % 16.93
NAS:CPSS's ROE % is ranked higher than
77% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 6.71 vs. NAS:CPSS: 16.93 )
Ranked among companies with meaningful ROE % only.
NAS:CPSS' s ROE % Range Over the Past 10 Years
Min: -174.62  Med: 16.87 Max: 294.7
Current: 16.93
-174.62
294.7
ROA % 1.27
NAS:CPSS's ROA % is ranked lower than
62% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 vs. NAS:CPSS: 1.27 )
Ranked among companies with meaningful ROA % only.
NAS:CPSS' s ROA % Range Over the Past 10 Years
Min: -4.23  Med: 0.99 Max: 7.2
Current: 1.27
-4.23
7.2
3-Year Revenue Growth Rate 23.50
NAS:CPSS's 3-Year Revenue Growth Rate is ranked higher than
85% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. NAS:CPSS: 23.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS: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 12.80
NAS:CPSS's 3-Year EBITDA Growth Rate is ranked higher than
61% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. NAS:CPSS: 12.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CPSS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -31.3  Med: 12.8 Max: 173.2
Current: 12.8
-31.3
173.2
3-Year EPS without NRI Growth Rate 14.70
NAS:CPSS's 3-Year EPS without NRI Growth Rate is ranked higher than
71% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. NAS:CPSS: 14.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS: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 1 Warning Sign with Consumer Portfolio Services Inc $NAS:CPSS.
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» NAS:CPSS's 10-Y Financials

Financials


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

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522220    SIC: 6159
Compare:NAS:ASFI, NAS:SNFCA, NAS:NICK, OTCPK:CHWWF, OTCPK:CCGN, OTCPK:FAHLF, NAS:MFIN, NAS:LOAN, OTCPK:IEGH, NAS:ATLC, OTCPK:MITJF, OTCPK:SRCF, NYSE:RM, OTCPK:EHMEF, NYSE:ONDK, NAS:NEWS, NAS:WRLD, NAS:EZPW, NYSE:AGM, NAS:FSC » 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
PE Ratio 5.17
CPSS's PE Ratio is ranked higher than
95% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 14.78 vs. CPSS: 5.17 )
Ranked among companies with meaningful PE Ratio only.
CPSS' s PE Ratio Range Over the Past 10 Years
Min: 1.9  Med: 4.97 Max: 92.33
Current: 5.17
1.9
92.33
Forward PE Ratio 5.25
CPSS's Forward PE Ratio is ranked higher than
98% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 12.77 vs. CPSS: 5.25 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 5.17
CPSS's PE Ratio without NRI is ranked higher than
94% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. CPSS: 5.17 )
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: 4.97 Max: 92.33
Current: 5.17
1.9
92.33
Price-to-Owner-Earnings 6.35
CPSS's Price-to-Owner-Earnings is ranked higher than
83% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 12.81 vs. CPSS: 6.35 )
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: 5.98 Max: 52.7
Current: 6.35
0.11
52.7
PB Ratio 0.69
CPSS's PB Ratio is ranked higher than
72% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. CPSS: 0.69 )
Ranked among companies with meaningful PB Ratio only.
CPSS' s PB Ratio Range Over the Past 10 Years
Min: 0.05  Med: 1.04 Max: 28.67
Current: 0.69
0.05
28.67
PS Ratio 0.45
CPSS's PS Ratio is ranked higher than
96% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 3.14 vs. CPSS: 0.45 )
Ranked among companies with meaningful PS Ratio only.
CPSS' s PS Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.45 Max: 2.55
Current: 0.45
0.02
2.55
Price-to-Free-Cash-Flow 0.97
CPSS's Price-to-Free-Cash-Flow is ranked higher than
94% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 6.99 vs. CPSS: 0.97 )
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: 1.27 Max: 37.01
Current: 0.97
0.04
37.01
Price-to-Operating-Cash-Flow 0.97
CPSS's Price-to-Operating-Cash-Flow is ranked higher than
94% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 7.95 vs. CPSS: 0.97 )
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: 1.26 Max: 34.63
Current: 0.97
0.04
34.63
EV-to-EBIT 46.51
CPSS's EV-to-EBIT is ranked lower than
83% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 16.68 vs. CPSS: 46.51 )
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: 396.6
Current: 46.51
-8858
396.6
EV-to-EBITDA 45.98
CPSS's EV-to-EBITDA is ranked lower than
84% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 13.97 vs. CPSS: 45.98 )
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: 190.5
Current: 45.98
-637.8
190.5

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
76% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 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 0.67
CPSS's Price-to-Tangible-Book is ranked higher than
73% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. CPSS: 0.67 )
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: 0.67
0.09
26.44
Price-to-Intrinsic-Value-Projected-FCF 0.09
CPSS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
97% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. CPSS: 0.09 )
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: 0.09
0.01
0.43
Price-to-Median-PS-Value 0.98
CPSS's Price-to-Median-PS-Value is ranked higher than
55% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. CPSS: 0.98 )
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: 1.28 Max: 3.33
Current: 0.98
0.08
3.33
Price-to-Graham-Number 0.39
CPSS's Price-to-Graham-Number is ranked higher than
94% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. CPSS: 0.39 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CPSS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.37  Med: 0.58 Max: 2.78
Current: 0.39
0.37
2.78
Earnings Yield (Greenblatt) % 2.20
CPSS's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. CPSS: 2.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CPSS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 1.9 Max: 3
Current: 2.2
0.3
3

More Statistics

Revenue (TTM) (Mil) $342.3
EPS (TTM) $ 1.01
Beta1.50
Short Percentage of Float1.16%
52-Week Range $3.31 - 6.05
Shares Outstanding (Mil)23.84

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.00 0.95
EPS without NRI ($) 1.00 0.95
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» 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 
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
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
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 15 2017
Consumer Portfolio Services posts 4Q profit Feb 14 2017
Consumer Portfolio Services posts 4Q profit Feb 14 2017
CPS Announces Fourth Quarter 2016 Earnings Feb 14 2017
Q4 2016 Consumer Portfolio Services Inc Earnings Release - After Market Close Feb 14 2017
CPS to Host Conference Call on Fourth Quarter 2016 Earnings Feb 06 2017
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jan 24 2017
CPS Announces $206.3 Million Senior Subordinate Asset-Backed Securitization Jan 18 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
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Nov 08 2016
CONSUMER PORTFOLIO SERVICES INC Financials Nov 04 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q, Quarterly Report Oct 31 2016
ETF’s with exposure to Consumer Portfolio Services, Inc. : October 31, 2016 Oct 31 2016
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Oct 25 2016
Consumer Portfolio Services, Inc. :CPSS-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25,... Oct 25 2016
CPS Announces $206.3 Million Senior Subordinate Asset-Backed Securitization Oct 19 2016

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