Consumer Portfolio ServicesCPSS -0.63%54 FCF Margin % is 158.75% as of Mar. 2026, which is 64% above its 10-year median of 96.86. GuruFocus rates CPSS with a GF Score™ of 54/100 and a GF Value™ of $9.11 (Fairly Valued). The stock has 8 warning signs investors should review. Among 531 Credit Services companies, Consumer Portfolio Services ranks better than 92.66% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's FCF Margin % falls into.
* 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 FCF Margin % of 158.75% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Consumer Portfolio Services and its competitors. This is 64% above median its historical median of 96.86. Over the past decade, Consumer Portfolio Services' FCF Margin % has ranged from 57.03 to 146.91. According to the industry distribution chart, Consumer Portfolio Services ranks #39 out of 531 companies in the Credit Services industry, placing it in the top 7.3%.
Is Consumer Portfolio Services' FCF Margin % too high?
Consumer Portfolio Services' current FCF Margin % of 158.75% is 64% above median its 10-year median of 96.86. Over the past 10 years, this metric has ranged from a low of 57.03 to a high of 146.91. The Credit Services industry median FCF Margin % is 0.24. Consumer Portfolio Services' value of 158.75% is 66045.8% above this industry median. Based on the distribution chart, Consumer Portfolio Services ranks #39 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Consumer Portfolio Services has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Consumer Portfolio Services' FCF Margin % compare to JFIN and MFIN?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #39 out of 531 companies for FCF Margin %. This places Consumer Portfolio Services in the top 7% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Consumer Portfolio Services' value of 158.75% is 66045.8% above this benchmark. Historically, Consumer Portfolio Services' own FCF Margin % has ranged from 57.03 to 146.91 over the past decade. While the company's 10-year median is 96.86 vs. the industry median of 0.24, Consumer Portfolio Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumer Portfolio Services's current FCF Margin % of 158.75% is 66045.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Consumer Portfolio Services and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumer Portfolio Services's current FCF Margin % is 158.75%, which is 64% above median its own 10-year median of 96.86. 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 $9.11, compared to a current price of $9.55 — trading 4.8% above its estimated fair value. The current FCF Margin % is 158.75%, which is 64% above median its 10-year median of 96.86 and 66045.8% above the Credit Services industry median of 0.24. Consumer Portfolio Services' overall GF Score™ is 54/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current FCF Margin % is 158.75% as of Mar. 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 $9.55 is trading 4.8% above its estimated GF Value™ of $9.11.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
FCF Margin %: 158.75% (64% above median its 10-year median of 96.86)
GF Value™: $9.11 vs. price of $9.55 (4.8% above fair value)
Industry Position: 66045.8% above the Credit Services median (#39 of 531)
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.
54GF Score
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