Consumer Portfolio ServicesCPSS -0.52%54 Median PS Value is $5.22 as of Jun. 25, 2026, which is 260% above its 10-year median of 1.45. 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 288 Credit Services companies, Consumer Portfolio Services ranks worse than 84.03% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Consumer Portfolio Services's Median PS Value or its related term are showing as below:
CPSS'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.39 Med: 1.45 Max: 3.14
Current: 1.82
During the past 13 years, the highest Price to Median PS Value of Consumer Portfolio Services was 3.14. The lowest was 0.39. And the median was 1.45.
CPSS's Price-to-Median-PS-Value is ranked worse than 84.03% of 288
companies
in the Credit Services industry
Industry Median: 0.91
vs CPSS: 1.82
Consumer Portfolio Services (NAS:CPSS) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Consumer Portfolio Services's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
9.50
/
5.22
=
1.82
* 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 Median PS Value Related Terms
Consumer Portfolio Services Median PS Value 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.
CPSS vs JFIN, MFIN, PMTS: Median PS Value Comparison
For the Credit Services subindustry, Consumer Portfolio Services's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.6146.
Consumer Portfolio Services's Revenue per Share 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 $8.493.
* 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 Median PS Value of $5.22 as of Jun. 25, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Consumer Portfolio Services and its competitors. This is 260% above median its historical median of 1.45. Over the past decade, Consumer Portfolio Services' Median PS Value has ranged from 0.39 to 3.14. According to the industry distribution chart, Consumer Portfolio Services ranks #242 out of 288 companies in the Credit Services industry, placing it in the top 84%.
Is Consumer Portfolio Services' Median PS Value too high?
Consumer Portfolio Services' current Median PS Value of $5.22 is 260% above median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 3.14. The Credit Services industry median Median PS Value is 0.91. Consumer Portfolio Services' value of $5.22 is 473.6% above this industry median. Based on the distribution chart, Consumer Portfolio Services ranks #242 out of 288 companies in the Credit Services industry, which is in the bottom quartile 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' Median PS Value compare to JFIN and MFIN?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #242 out of 288 companies for Median PS Value. This places Consumer Portfolio Services in the lower half of its industry. The industry median Median PS Value is 0.91. Consumer Portfolio Services' value of $5.22 is 473.6% above this benchmark. Historically, Consumer Portfolio Services' own Median PS Value has ranged from 0.39 to 3.14 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 0.91, 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.91, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumer Portfolio Services's current Median PS Value of $5.22 is 473.6% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Consumer Portfolio Services and its competitors. For the Credit Services industry, the median Median PS Value is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumer Portfolio Services's current Median PS Value is $5.22, which is 260% above median its own 10-year median of 1.45. 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 $9.50 — trading 4.3% above its estimated fair value. The current Median PS Value is $5.22, which is 260% above median its 10-year median of 1.45 and 473.6% above the Credit Services industry median of 0.91. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current Median PS Value is $5.22 as of Jun. 25, 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 $9.50 is trading 4.3% above its estimated GF Value™ of $9.11.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
Median PS Value: $5.22 (260% above median its 10-year median of 1.45)
GF Value™: $9.11 vs. price of $9.50 (4.3% above fair value)
Industry Position: 473.6% above the Credit Services median (#242 of 288)
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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