Consumer Portfolio ServicesCPSS +1.21%54 FCF Yield % is 142.78 as of Jun. 26, 2026, which is 5% below its 10-year median of 149.75. 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 541 Credit Services companies, Consumer Portfolio Services ranks better than 96.86% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Consumer Portfolio Services FCF Yield % Related Terms
Consumer Portfolio Services FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's FCF Yield % 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 Yield % of 142.78 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Consumer Portfolio Services and its competitors. This is near median its historical median of 149.75. Over the past decade, Consumer Portfolio Services' FCF Yield % has ranged from 50.46 to 820.74. According to the industry distribution chart, Consumer Portfolio Services ranks #17 out of 541 companies in the Credit Services industry, placing it in the top 3.1%.
Is Consumer Portfolio Services' FCF Yield % too high?
Consumer Portfolio Services' current FCF Yield % of 142.78 is near median its 10-year median of 149.75. Over the past 10 years, this metric has ranged from a low of 50.46 to a high of 820.74. Based on the distribution chart, Consumer Portfolio Services ranks #17 out of 541 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 Yield % compare to JFIN and MFIN?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #17 out of 541 companies for FCF Yield %. This places Consumer Portfolio Services in the top 3% of its industry — outperforming the majority of peers. Historically, Consumer Portfolio Services' own FCF Yield % has ranged from 50.46 to 820.74 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 FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Consumer Portfolio Services and its competitors. Consumer Portfolio Services's current FCF Yield % is 142.78, which is near median its own 10-year median of 149.75. 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 $9.62 — trading 5.5% above its estimated fair value. The current FCF Yield % is 142.78, which is near median its 10-year median of 149.75. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current FCF Yield % is 142.78 as of Jun. 26, 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 $9.62 is trading 5.5% above its estimated GF Value™ of $9.11.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
FCF Yield %: 142.78 (near median its 10-year median of 149.75)
GF Value™: $9.11 vs. price of $9.62 (5.5% 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.
54GF Score
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