Switch to:
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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.01
NAS:CPSS's Cash-to-Debt is ranked lower than
95% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 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  Med: 0.02 Max: 0.29
Current: 0.01
0
0.29
Equity-to-Asset 0.08
NAS:CPSS's Equity-to-Asset is ranked lower than
93% of the 316 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: 0.57
Current: 0.08
-0.02
0.57
Debt-to-Equity 11.54
NAS:CPSS's Debt-to-Equity is ranked lower than
97% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. NAS:CPSS: 11.54 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:CPSS' s Debt-to-Equity Range Over the Past 10 Years
Min: -450.52  Med: 12.53 Max: 296.55
Current: 11.54
-450.52
296.55
Interest Coverage 0.47
NAS:CPSS's Interest Coverage is ranked lower than
88% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. NAS:CPSS: 0.47 )
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: 0.47
0.12
1.06
Beneish M-Score: -2.74
WACC vs ROIC
2.67%
1.01%
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 : 5/10

vs
industry
vs
history
Operating Margin % 11.78
NAS:CPSS's Operating Margin % is ranked lower than
58% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. NAS:CPSS: 11.78 )
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: 11.78
-44.06
20.91
Net Margin % 6.88
NAS:CPSS's Net Margin % is ranked lower than
62% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. NAS:CPSS: 6.88 )
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: 6.88
-51.02
64.39
ROE % 12.97
NAS:CPSS's ROE % is ranked higher than
69% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. NAS:CPSS: 12.97 )
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: 12.97
-174.62
294.7
ROA % 0.99
NAS:CPSS's ROA % is ranked lower than
64% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. NAS:CPSS: 0.99 )
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: 0.99
-4.23
7.2
3-Year Revenue Growth Rate 23.50
NAS:CPSS's 3-Year Revenue Growth Rate is ranked higher than
78% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 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 13.40
NAS:CPSS's 3-Year EBITDA Growth Rate is ranked higher than
65% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. NAS:CPSS: 13.40 )
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: 13.4 Max: 173.2
Current: 13.4
-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
66% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 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 2 Warning Signs with Consumer Portfolio Services Inc $NAS:CPSS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:CPSS's 30-Y Financials

Financials (Next Earnings Date: 2017-10-18 Est.)


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

» Details

Guru Trades

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
Q1 2017

CPSS Guru Trades in Q1 2017

Jim Simons 482,400 sh (-6.85%)
» More
Q2 2017

CPSS Guru Trades in Q2 2017

Jim Simons 431,500 sh (-10.55%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:CPSS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Credit Services » Credit Services    NAICS: 522220    SIC: 6159
Compare:NAS:SNFCA, OTCPK:NXCN, NAS:NICK, NAS:MFIN, NAS:ASFI, NAS:LOAN, NAS:ATLC, NAS:FPAY, NAS:LMFA, OTCPK:IEGH, TSXV:LND, OTCPK:JGWE, OTCPK:CCGN, NYSE:ELVT, NYSE:RM, LSE:FFI, NYSE:ONDK, NYSE:ENVA, NAS:NEWS, NAS:EZPW » 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 5.31
CPSS's PE Ratio is ranked higher than
94% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. CPSS: 5.31 )
Ranked among companies with meaningful PE Ratio only.
CPSS' s PE Ratio Range Over the Past 10 Years
Min: 1.9  Med: 4.87 Max: 92.33
Current: 5.31
1.9
92.33
Forward PE Ratio 5.62
CPSS's Forward PE Ratio is ranked higher than
98% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 13.76 vs. CPSS: 5.62 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 5.31
CPSS's PE Ratio without NRI is ranked higher than
93% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. CPSS: 5.31 )
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: 4.87 Max: 92.33
Current: 5.31
1.9
92.33
PB Ratio 0.55
CPSS's PB Ratio is ranked higher than
83% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. CPSS: 0.55 )
Ranked among companies with meaningful PB Ratio only.
CPSS' s PB Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.91 Max: 28.67
Current: 0.55
0.05
28.67
PS Ratio 0.36
CPSS's PS Ratio is ranked higher than
96% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. CPSS: 0.36 )
Ranked among companies with meaningful PS Ratio only.
CPSS' s PS Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.41 Max: 2.66
Current: 0.36
0.02
2.66
Price-to-Free-Cash-Flow 0.64
CPSS's Price-to-Free-Cash-Flow is ranked higher than
96% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 8.05 vs. CPSS: 0.64 )
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: 1.01 Max: 7.18
Current: 0.64
0.04
7.18
Price-to-Operating-Cash-Flow 0.64
CPSS's Price-to-Operating-Cash-Flow is ranked higher than
96% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.91 vs. CPSS: 0.64 )
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 Max: 7.1
Current: 0.64
0.04
7.1
EV-to-EBIT 56.72
CPSS's EV-to-EBIT is ranked lower than
78% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. CPSS: 56.72 )
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: 195.6
Current: 56.72
-8858
195.6
EV-to-EBITDA 55.57
CPSS's EV-to-EBITDA is ranked lower than
80% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. CPSS: 55.57 )
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: 55.57
-637.8
174.6
EV-to-Revenue 6.68
CPSS's EV-to-Revenue is ranked lower than
54% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 5.88 vs. CPSS: 6.68 )
Ranked among companies with meaningful EV-to-Revenue only.
CPSS' s EV-to-Revenue Range Over the Past 10 Years
Min: 6.6  Med: 8 Max: 12.5
Current: 6.68
6.6
12.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.60
CPSS's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 vs. CPSS: 0.60 )
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: 0.6
-9.9
5.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.54
CPSS's Price-to-Tangible-Book is ranked higher than
84% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. CPSS: 0.54 )
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: 0.94 Max: 26.44
Current: 0.54
0.09
26.44
Price-to-Intrinsic-Value-Projected-FCF 0.06
CPSS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
99% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. CPSS: 0.06 )
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: 0.5
Current: 0.06
0.01
0.5
Price-to-Median-PS-Value 0.90
CPSS's Price-to-Median-PS-Value is ranked higher than
61% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CPSS: 0.90 )
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: 0.09  Med: 1.68 Max: 39.52
Current: 0.9
0.09
39.52
Price-to-Graham-Number 0.36
CPSS's Price-to-Graham-Number is ranked higher than
92% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 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: 0.18  Med: 0.48 Max: 1.97
Current: 0.36
0.18
1.97
Earnings Yield (Greenblatt) % 1.77
CPSS's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. CPSS: 1.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CPSS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -7.2  Med: 1 Max: 3
Current: 1.77
-7.2
3

More Statistics

Revenue (TTM) (Mil) $346.65
EPS (TTM) $ 0.85
Beta1.67
Short Percentage of Float9.14%
52-Week Range $3.66 - 6.05
Shares Outstanding (Mil)22.73

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.71 0.80
EPS without NRI ($) 0.71 0.80
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}