CPSS (Consumer Portfolio Services) LT-Debt-to-Total-Asset: 0.79 (As of Mar. 2026)

What is Consumer Portfolio Services LT-Debt-to-Total-Asset?

Consumer Portfolio Services CPSS -4.70% 54 LT-Debt-to-Total-Asset is 0.79 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Consumer Portfolio Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.79.

Consumer Portfolio Services's long-term debt to total assets ratio declined from Mar. 2025 (0.80) to Mar. 2026 (0.79). It may suggest that Consumer Portfolio Services is progressively becoming less dependent on debt to grow their business.

Consumer Portfolio Services (NAS:CPSS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Consumer Portfolio Services LT-Debt-to-Total-Asset Related Terms

Consumer Portfolio Services LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Consumer Portfolio Services's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Consumer Portfolio Services Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.85

0.79

0.80

0.78

0.82

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.80	0.80	0.81	0.82	0.79

54GF Score

Consumer Portfolio Services Inc CPSS

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Consumer Portfolio Services LT-Debt-to-Total-Asset Calculation

Consumer Portfolio Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	3158.542	/	3858.193
	=	0.82

Consumer Portfolio Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	3201.048	/	4052.799
	=	0.79

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.79 mean?

Consumer Portfolio Services (CPSS) has a LT-Debt-to-Total-Asset of 0.79 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Consumer Portfolio Services and its competitors.

Is Consumer Portfolio Services' LT-Debt-to-Total-Asset too high?

Consumer Portfolio Services' current LT-Debt-to-Total-Asset is 0.79. 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' LT-Debt-to-Total-Asset compare to FOA and PMTS?

Consumer Portfolio Services' LT-Debt-to-Total-Asset of 0.79 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Consumer Portfolio Services and its competitors. Consumer Portfolio Services's current LT-Debt-to-Total-Asset is 0.79. 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 $9.63 — trading 5.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.79. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current LT-Debt-to-Total-Asset is 0.79 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 $9.63 is trading 5.7% above its estimated GF Value™ of $9.11. GuruFocus considers Consumer Portfolio Services to be Fairly Valued.

Key valuation signals for CPSS:

LT-Debt-to-Total-Asset: 0.79
GF Value™: $9.11 vs. price of $9.63 (5.7% 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

Industry Financial Services Credit Services

Comparable Companies FOA PMTS MFIN XYF OPRT JFIN ANTA TROO LX YRD V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Address 3800 Howard Hughes Parkway, Las Vegas, NV, USA, 89169

Website https://www.consumerportfolio.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.63

Price

$9.11

GF Value

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