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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
57% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. CPSS: 0.01 )
CPSS' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.01

Equity to Asset 0.07
CPSS's Equity to Asset is ranked lower than
53% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 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 0.64
CPSS's Interest Coverage is ranked lower than
55% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 3.44 vs. CPSS: 0.64 )
CPSS' s 10-Year Interest Coverage Range
Min: 0.02   Max: 9999.99
Current: 0.64

0.02
9999.99
F-Score: 4
Z-Score: 0.22
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 (%) 18.81
CPSS's Operating margin (%) is ranked higher than
61% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. CPSS: 18.81 )
CPSS' s 10-Year Operating margin (%) Range
Min: -44.06   Max: 18.81
Current: 18.81

-44.06
18.81
Net-margin (%) 10.63
CPSS's Net-margin (%) is ranked higher than
58% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 16.33 vs. CPSS: 10.63 )
CPSS' s 10-Year Net-margin (%) Range
Min: -51.02   Max: 64.39
Current: 10.63

-51.02
64.39
ROE (%) 22.20
CPSS's ROE (%) is ranked higher than
88% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. CPSS: 22.20 )
CPSS' s 10-Year ROE (%) Range
Min: -1370.38   Max: 113.21
Current: 22.2

-1370.38
113.21
ROA (%) 1.50
CPSS's ROA (%) is ranked higher than
62% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. CPSS: 1.50 )
CPSS' s 10-Year ROA (%) Range
Min: -5.36   Max: 7.15
Current: 1.5

-5.36
7.15
ROC (Joel Greenblatt) (%) 4852.87
CPSS's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 33.33 vs. CPSS: 4852.87 )
CPSS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3274.16   Max: 4852.87
Current: 4852.87

-3274.16
4852.87
Revenue Growth (%) 14.10
CPSS's Revenue Growth (%) is ranked higher than
82% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. CPSS: 14.10 )
CPSS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 33.4
Current: 14.1

0
33.4
» CPSS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

CPSS Guru Trades in Q2 2013

Jim Simons 320,600 sh (-8.76%)
» More
Q3 2013

CPSS Guru Trades in Q3 2013

Jim Simons 238,719 sh (-25.54%)
» More
Q4 2013

CPSS Guru Trades in Q4 2013

Jim Simons 171,200 sh (-28.28%)
» More
Q1 2014

CPSS Guru Trades in Q1 2014

Jim Simons 241,661 sh (+41.16%)
» More
» Details

Insider Trades

Latest Guru Trades with CPSS



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.70
CPSS's P/E(ttm) is ranked higher than
93% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. CPSS: 8.70 )
CPSS' s 10-Year P/E(ttm) Range
Min: 2.15   Max: 76.94
Current: 8.7

2.15
76.94
P/B 1.60
CPSS's P/B is ranked higher than
67% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.59 vs. CPSS: 1.60 )
CPSS' s 10-Year P/B Range
Min: 0.05   Max: 25.8
Current: 1.6

0.05
25.8
P/S 0.97
CPSS's P/S is ranked higher than
90% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. CPSS: 0.97 )
CPSS' s 10-Year P/S Range
Min: 0.02   Max: 2.66
Current: 0.97

0.02
2.66
PFCF 1.80
CPSS's PFCF is ranked higher than
95% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 36.62 vs. CPSS: 1.80 )
CPSS' s 10-Year PFCF Range
Min: 0.04   Max: 10.76
Current: 1.8

0.04
10.76
EV-to-EBIT 34.90
CPSS's EV-to-EBIT is ranked higher than
63% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 20.85 vs. CPSS: 34.90 )
CPSS' s 10-Year EV-to-EBIT Range
Min: 36.1   Max: 367.3
Current: 34.9

36.1
367.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
CPSS's Price/Tangible Book is ranked higher than
73% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.03 vs. CPSS: 1.60 )
CPSS' s 10-Year Price/Tangible Book Range
Min: 0.09   Max: 23.8
Current: 1.6

0.09
23.8
Price/DCF (Projected) 0.30
CPSS's Price/DCF (Projected) is ranked higher than
92% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 3.12 vs. CPSS: 0.30 )
CPSS' s 10-Year Price/DCF (Projected) Range
Min: 0.01   Max: 1.01
Current: 0.3

0.01
1.01
Price/Median PS Value 1.30
CPSS's Price/Median PS Value is ranked higher than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. CPSS: 1.30 )
CPSS' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 28.49
Current: 1.3

0.05
28.49
Price/Graham Number 0.70
CPSS's Price/Graham Number is ranked higher than
89% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 vs. CPSS: 0.70 )
CPSS' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 2.8
Current: 0.7

0.2
2.8
Earnings Yield (Greenblatt) 2.90
CPSS's Earnings Yield (Greenblatt) is ranked higher than
57% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 6.00 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
Forward Rate of Return (Yacktman) 32.37
CPSS's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 13.11 vs. CPSS: 32.37 )
CPSS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3   Max: 99.6
Current: 32.37

-3
99.6

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, COF, RDCRL » details
Traded in other countries:FC8.Germany
Consumer Portfolio Services, Inc. ("CPS") was incorporated in California on March 8, 1991. It is a specialty finance company engaged in purchasing and servicing retail automobile contracts originated mainly by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers who have limited credit histories, low incomes or past credit problems, who it refers to as sub-prime customers. The Company serves as an alternative source of financing for dealers, facilitating sales to customers who otherwise might not be able to obtain financing from traditional sources, such as commercial banks, credit unions and the captive finance companies affiliated with major automobile manufacturers. In addition to purchasing installment purchase contracts directly from dealers, it has also acquired installment purchase contracts in three merger and acquisition transactions, purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It directs originated an immaterial amount of vehicle purchase money loans by lending money directly to consumers. It currently services all automobile contracts that it owns as well as those automobile contracts that are included in portfolios that it has 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
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 
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
Levine Leichtman Capital Partners Realizes A 27% IRR And 2.3X Money From Its Investment In Consumer... Jul 29 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Jul 29 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q, Quarterly Report Jul 28 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 22 2014
CPS Announces Second Quarter 2014 Earnings Jul 21 2014
CPS Announces Second Quarter 2014 Earnings Jul 21 2014
CPS to Host Conference Call on Second Quarter 2014 Earnings Jul 18 2014
Coverage initiated on Consumer Portfolio Serv. by Compass Point Jul 08 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jun 24 2014
CPS Announces $202.5 Million Senior Subordinate Asset-Backed Securitization Jun 18 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Jun 05 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 8-K, Other Events Jun 03 2014
Consumer Portfolio announces settlement with FTC May 29 2014
CPS Announces Settlement With Federal Trade Commission May 29 2014
Auto loan lender settles FTC charges for $5.5M May 29 2014
Auto loan lender settles FTC charges for $5.5M May 29 2014
CONSUMER PORTFOLIO SERVICES INC Financials May 09 2014
CONSUMER PORTFOLIO SERVICES INC Files SEC form 10-Q, Quarterly Report Apr 30 2014
Why Consumer Portfolio Services (CPSS) Stock Is Up Today Apr 10 2014
Consumer Portfolio Services' CEO Discusses Q1 2014 Results - Earnings Call Transcript Apr 09 2014

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