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Consumer Portfolio ServicesCPSS -0.94%56 EV-to-OCF is 14.07 as of Aug. 08, 2026, which is 21% above its 10-year median of 11.59. GuruFocus rates CPSS with a GF Score™ of 56/100 and a GF Value™ of $9.08 (Fairly Valued). The stock has 9 warning signs investors should review. Among 545 Credit Services companies, Consumer Portfolio Services ranks worse than 76.15% on this metric.
The historical rank and industry rank for Consumer Portfolio Services's EV-to-OCF or its related term are showing as below:
CPSS'
s EV-to-OCF Range Over the Past 10 Years
Min: 8.32 Med: 11.59 Max: 15.16
Current: 14.07
During the past 13 years, the highest EV-to-OCF of Consumer Portfolio Services was 15.16. The lowest was 8.32. And the median was 11.59.
CPSS's EV-to-OCF is ranked worse than 76.15% of 545
companies
in the Credit Services industry
Industry Median: -0.88
vs CPSS: 14.07
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Consumer Portfolio Services's PE Ratio (TTM) for today is calculated as:
Consumer Portfolio Services's share price for today is $9.43.
Consumer Portfolio Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.920.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Consumer Portfolio Services EV-to-OCF Related Terms
Consumer Portfolio Services EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Consumer Portfolio Services's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Consumer Portfolio Services EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's EV-to-OCF falls into.
Consumer Portfolio Services's current Enterprise Value is $4,206.5 Mil.
Consumer Portfolio Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $298.9 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Consumer Portfolio Services (CPSS) has a EV-to-OCF of 14.07 as of Aug. 08, 2026. This is 21% above median its historical median of 11.59. Over the past decade, Consumer Portfolio Services' EV-to-OCF has ranged from 8.32 to 15.16. According to the industry distribution chart, Consumer Portfolio Services ranks #415 out of 545 companies in the Credit Services industry, placing it in the top 76.1%.
Is Consumer Portfolio Services' EV-to-OCF too high?
Consumer Portfolio Services' current EV-to-OCF of 14.07 is 21% above median its 10-year median of 11.59. Over the past 10 years, this metric has ranged from a low of 8.32 to a high of 15.16. Based on the distribution chart, Consumer Portfolio Services ranks #415 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Consumer Portfolio Services has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Consumer Portfolio Services' EV-to-OCF compare to FOA and XYF?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #415 out of 545 companies for EV-to-OCF. This places Consumer Portfolio Services in the lower half of its industry. Historically, Consumer Portfolio Services' own EV-to-OCF has ranged from 8.32 to 15.16 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Consumer Portfolio Services's current EV-to-OCF is 14.07, which is 21% above median its own 10-year median of 11.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Consumer Portfolio Services stock overvalued right now?
Based on GuruFocus' analysis, Consumer Portfolio Services (CPSS) is currently considered Fairly Valued. The stock's GF Value™ is $9.08, compared to a current price of $9.43 — trading 3.9% above its estimated fair value. The current EV-to-OCF is 14.07, which is 21% above median its 10-year median of 11.59. Consumer Portfolio Services' overall GF Score™ is 56/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current EV-to-OCF is 14.07 as of Aug. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Consumer Portfolio Services (CPSS) Overvalued in 2026?
Based on GuruFocus' analysis, Consumer Portfolio Services stock appears to be overvalued.
The current stock price of $9.43 is trading 3.9% above its estimated GF Value™ of $9.08.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
EV-to-OCF: 14.07 (21% above median its 10-year median of 11.59)
GF Value™: $9.08 vs. price of $9.43 (3.9% above fair value)
No single metric tells the full story. See the CPSS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Consumer Portfolio Services Inc is a U.S based company operating in the specialty finance sector. Its business is to purchase and service retail automobile contracts originated 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, the company provides indirect financing to the customers of dealers having limited credit histories, low incomes, or past credit problems, who it refers to as sub-prime customers. It serves as an alternative source of financing for dealers, facilitating sales to customers.
56GF Score
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