What is Consumer Portfolio Services Return-on-Tangible-Asset?
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Consumer Portfolio Services's annualizedNet Income for the quarter that ended in Mar. 2025 was $18.8 Mil. Consumer Portfolio Services's average total tangible assets for the quarter that ended in Mar. 2025 was $3,583.7 Mil. Therefore, Consumer Portfolio Services's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2025 was 0.52%.
The historical rank and industry rank for Consumer Portfolio Services's Return-on-Tangible-Asset or its related term are showing as below:
CPSS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.16 Med: 1.11 Max: 3.5
Current: 0.57
During the past 13 years, Consumer Portfolio Services's highest Return-on-Tangible-Asset was 3.50%. The lowest was 0.16%. And the median was 1.11%.
CPSS's Return-on-Tangible-Asset is ranked worse than 64.38% of 539
companies
in the Credit Services industry
Industry Median: 1.68
vs CPSS: 0.57
Consumer Portfolio Services Return-on-Tangible-Asset 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.
Competitive Comparison of Consumer Portfolio Services's Return-on-Tangible-Asset
For the Credit Services subindustry, Consumer Portfolio Services's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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's Return-on-Tangible-Asset Distribution in the Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2025) net income data.
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Consumer Portfolio Services Return-on-Tangible-Asset Related Terms
Thank you for viewing the detailed overview of Consumer Portfolio Services's Return-on-Tangible-Asset provided by GuruFocus.com. Please click on the following links to see related term pages.
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.
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