Consumer Portfolio ServicesCPSS 54 PB Ratio is 0.66 as of Jul. 04, 2026, which is 3% above its 10-year median of 0.64. 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. Among 524 Credit Services companies, Consumer Portfolio Services ranks better than 71.76% on this metric.
Consumer Portfolio Services Inc stock PB Ratio (=0.66) is close to 1-year high of 0.71.
The historical rank and industry rank for Consumer Portfolio Services's PB Ratio or its related term are showing as below:
CPSS'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.64 Max: 1.62
Current: 0.66
During the past 13 years, Consumer Portfolio Services's highest PB Ratio was 1.62. The lowest was 0.18. And the median was 0.64.
CPSS's PB Ratio is ranked better than 71.76% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs CPSS: 0.66
During the past 12 months, Consumer Portfolio Services's average Book Value Per Share Growth Rate was 4.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 19.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Consumer Portfolio Services was 344.00% per year. The lowest was -80.40% per year. And the median was 9.95% per year.
Back to Basics: PB Ratio
Consumer Portfolio Services (NAS:CPSS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Consumer Portfolio Services PB Ratio Related Terms
Consumer Portfolio Services PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Consumer Portfolio Services (CPSS) has a PB Ratio of 0.66 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Consumer Portfolio Services and its competitors. This is near median its historical median of 0.64. Over the past decade, Consumer Portfolio Services' PB Ratio has ranged from 0.18 to 1.62. According to the industry distribution chart, Consumer Portfolio Services ranks #148 out of 524 companies in the Credit Services industry, placing it in the top 28.2%.
Is Consumer Portfolio Services' PB Ratio too high?
Consumer Portfolio Services' current PB Ratio of 0.66 is near median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.62. The Credit Services industry median PB Ratio is 1.05. Consumer Portfolio Services' value of 0.66 is 37.1% below this industry median. Based on the distribution chart, Consumer Portfolio Services ranks #148 out of 524 companies in the Credit Services industry, which is above 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' PB Ratio compare to FOA and PMTS?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #148 out of 524 companies for PB Ratio. This puts Consumer Portfolio Services in the upper half of its industry. The industry median PB Ratio is 1.05. Consumer Portfolio Services' value of 0.66 is 37.1% below this benchmark. Historically, Consumer Portfolio Services' own PB Ratio has ranged from 0.18 to 1.62 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumer Portfolio Services's current PB Ratio of 0.66 is 37.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Consumer Portfolio Services and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumer Portfolio Services's current PB Ratio is 0.66, which is near median its own 10-year median of 0.64. 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 $9.60 — trading 5.4% above its estimated fair value. The current PB Ratio is 0.66, which is near median its 10-year median of 0.64 and 37.1% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current PB Ratio is 0.66 as of Jul. 04, 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 $9.60 is trading 5.4% above its estimated GF Value™ of $9.11.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
PB Ratio: 0.66 (near median its 10-year median of 0.64)
GF Value™: $9.11 vs. price of $9.60 (5.4% above fair value)
Industry Position: 37.1% below the Credit Services median (#148 of 524)
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
Get the complete analysis for CPSS
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CPSS has been successfully added to your 
