CPSS (Consumer Portfolio Services) Long-Term Debt: $3,201.0 Mil (As of Mar. 2026)


CPSS Consumer Portfolio Services Inc CPSS
54 GF Score
Price $9.40
GF Value $9.11
Valuation Fairly Valued
! 9 Warning Signs
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What is Consumer Portfolio Services Long-Term Debt?

Consumer Portfolio Services CPSS -2.29% 54 Long-Term Debt is $3,201.0 Mil as of Mar. 2026. GuruFocus rates CPSS with a GF Score™ of 54/100 and a GF Value™ of $9.11 (Fairly Valued). The stock has 9 warning signs investors should review.

Consumer Portfolio Services's Long-Term Debt for the quarter that ended in Mar. 2026 was $3,201.0 Mil.

Consumer Portfolio Services's quarterly Long-Term Debt increased from Sep. 2025 ($3,094.5 Mil) to Dec. 2025 ($3,158.5 Mil) and increased from Dec. 2025 ($3,158.5 Mil) to Mar. 2026 ($3,201.0 Mil).

Consumer Portfolio Services's annual Long-Term Debt increased from Dec. 2023 ($2,332.5 Mil) to Dec. 2024 ($2,720.0 Mil) and increased from Dec. 2024 ($2,720.0 Mil) to Dec. 2025 ($3,158.5 Mil).

Consumer Portfolio Services  (NAS:CPSS) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Consumer Portfolio Services Long-Term Debt Related Terms

Consumer Portfolio Services Long-Term Debt Historical Data

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The historical data trend for Consumer Portfolio Services's Long-Term Debt can be seen below:

* 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 Long-Term Debt Chart

Consumer Portfolio Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,840.11 2,183.63 2,332.51 2,720.05 3,158.54

Consumer Portfolio Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,934.21 2,997.17 3,094.53 3,158.54 3,201.05
CPSS
54GF Score
Consumer Portfolio Services Inc CPSS
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $3,201.0 Mil mean?
Consumer Portfolio Services (CPSS) has a Long-Term Debt of $3,201.0 Mil as of Mar. 2026.
Is Consumer Portfolio Services' Long-Term Debt too high?
Consumer Portfolio Services' current Long-Term Debt is $3,201.0 Mil. 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' Long-Term Debt compare to FOA and PMTS?
Consumer Portfolio Services' Long-Term Debt of $3,201.0 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Consumer Portfolio Services's current Long-Term Debt is $3,201.0 Mil. 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 $9.40 — trading 3.2% above its estimated fair value. The current Long-Term Debt is $3,201.0 Mil. Consumer Portfolio Services' overall GF Score™ is 54/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current Long-Term Debt is $3,201.0 Mil 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 $9.40 is trading 3.2% above its estimated GF Value™ of $9.11. GuruFocus considers Consumer Portfolio Services to be Fairly Valued.

Key valuation signals for CPSS:

  • Long-Term Debt: $3,201.0 Mil
  • GF Value™: $9.11 vs. price of $9.40 (3.2% above fair value)
  • GF Score™: 54/100 with 9 warning signs

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 Business Description

Address 3800 Howard Hughes Parkway, Las Vegas, NV, USA, 89169
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.40
Price
$9.11
GF Value