CPSS (Consumer Portfolio Services) Growth Rank: 1 (As of Aug. 11, 2026) — 67% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CPSS Consumer Portfolio Services Inc CPSS
56 GF Score
Price $9.31
GF Value $9.49
Valuation Fairly Valued
! 7 Warning Signs
View Full Analysis

What is Consumer Portfolio Services Growth Rank?

Consumer Portfolio Services CPSS -1.91% 56 Growth Rank is 1 as of Aug. 11, 2026, which is 67% below its 10-year median of 3.00. GuruFocus rates CPSS with a GF Score™ of 56/100 and a GF Value™ of $9.49 (Fairly Valued). The stock has 7 warning signs investors should review.

Consumer Portfolio Services has the Growth Rank of 1.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Consumer Portfolio Services Growth Rank Related Terms

CPSS vs FOA, XYF, PMTS: Growth Rank Comparison

For the Credit Services subindustry, Consumer Portfolio Services's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's Growth Rank distribution charts can be found below:

* The bar in red indicates where Consumer Portfolio Services's Growth Rank falls into.


CPSS
56GF Score
Consumer Portfolio Services Inc CPSS
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 1 mean?
Consumer Portfolio Services (CPSS) has a Growth Rank of 1 as of Aug. 11, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Consumer Portfolio Services and its competitors. This is 67% below median its historical median of 3.00. Over the past decade, Consumer Portfolio Services' Growth Rank has ranged from 1.00 to 9.00.
Is Consumer Portfolio Services' Growth Rank too high?
Consumer Portfolio Services' current Growth Rank of 1 is 67% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. Overall, Consumer Portfolio Services has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Consumer Portfolio Services' Growth Rank compare to FOA and XYF?
Consumer Portfolio Services' Growth Rank of 1 can be compared against companies in the Credit Services industry. Historically, Consumer Portfolio Services' own Growth Rank has ranged from 1.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Consumer Portfolio Services and its competitors. Consumer Portfolio Services's current Growth Rank is 1, which is 67% below median its own 10-year median of 3.00. 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 $9.49, compared to a current price of $9.31 — trading 1.9% below its estimated fair value. The current Growth Rank is 1, which is 67% below median its 10-year median of 3.00. Consumer Portfolio Services' overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current Growth Rank is 1 as of Aug. 11, 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 undervalued. The current stock price of $9.31 is trading 1.9% below its estimated GF Value™ of $9.49. GuruFocus considers Consumer Portfolio Services to be Fairly Valued.

Key valuation signals for CPSS:

  • Growth Rank: 1 (67% below median its 10-year median of 3.00)
  • GF Value™: $9.49 vs. price of $9.31 (1.9% below fair value)
  • GF Score™: 56/100 with 7 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.
56GF Score

Get the complete analysis for CPSS

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.31
Price
$9.49
GF Value