Consumer Portfolio ServicesCPSS -0.63%54 Net Margin % is 10.60% as of Mar. 2026, which is 11% above its 10-year median of 9.52. 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 534 Credit Services companies, Consumer Portfolio Services ranks worse than 60.49% on this metric.
The historical rank and industry rank for Consumer Portfolio Services's Net Margin % or its related term are showing as below:
CPSS'
s Net Margin % Range Over the Past 10 Years
Min: 1.1 Med: 9.52 Max: 35.5
Current: 9.95
CPSS's Net Margin % is ranked worse than 60.49% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs CPSS: 9.95
Consumer Portfolio Services (NAS:CPSS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Consumer Portfolio Services Net Margin % Related Terms
Consumer Portfolio Services Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's Net 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 Net Margin % of 10.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Consumer Portfolio Services and its competitors. This is 11% above median its historical median of 9.52. Over the past decade, Consumer Portfolio Services' Net Margin % has ranged from 1.10 to 35.50. According to the industry distribution chart, Consumer Portfolio Services ranks #323 out of 534 companies in the Credit Services industry, placing it in the top 60.5%.
Is Consumer Portfolio Services' Net Margin % too high?
Consumer Portfolio Services' current Net Margin % of 10.60% is 11% above median its 10-year median of 9.52. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 35.50. The Credit Services industry median Net Margin % is 14.52. Consumer Portfolio Services' value of 10.60% is 27% below this industry median. Based on the distribution chart, Consumer Portfolio Services ranks #323 out of 534 companies in the Credit Services industry, which is below the industry midpoint. 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' Net Margin % compare to JFIN and MFIN?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #323 out of 534 companies for Net Margin %. This places Consumer Portfolio Services in the lower half of its industry. The industry median Net Margin % is 14.52. Consumer Portfolio Services' value of 10.60% is 27% below this benchmark. Historically, Consumer Portfolio Services' own Net Margin % has ranged from 1.10 to 35.50 over the past decade. While the company's 10-year median is 9.52 vs. the industry median of 14.52, Consumer Portfolio Services has consistently been below 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumer Portfolio Services's current Net Margin % of 10.60% is 27% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Consumer Portfolio Services and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumer Portfolio Services's current Net Margin % is 10.60%, which is 11% above median its own 10-year median of 9.52. 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 Net Margin % is 10.60%, which is 11% above median its 10-year median of 9.52 and 27% below the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current Net Margin % is 10.60% 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:
Net Margin %: 10.60% (11% above median its 10-year median of 9.52)
GF Value™: $9.11 vs. price of $9.55 (4.8% above fair value)
Industry Position: 27% below the Credit Services median (#323 of 534)
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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