Consumer Portfolio ServicesCPSS -0.10%54 ROA % is 0.56% as of Mar. 2026, which is 27% below its 10-year median of 0.77. 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 546 Credit Services companies, Consumer Portfolio Services ranks worse than 68.86% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Consumer Portfolio Services's annualizedNet Income for the quarter that ended in Mar. 2026 was $22.2 Mil.
Consumer Portfolio Services's average Total Assets over the quarter that ended in Mar. 2026 was $3,955.5 Mil. Therefore, Consumer Portfolio Services's annualized ROA % for the quarter that ended in Mar. 2026 was 0.56%.
The historical rank and industry rank for Consumer Portfolio Services's ROA % or its related term are showing as below:
CPSS'
s ROA % Range Over the Past 10 Years
Min: 0.16 Med: 0.77 Max: 3.5
Current: 0.53
During the past 13 years, Consumer Portfolio Services's highest ROA % was 3.50%. The lowest was 0.16%. And the median was 0.77%.
CPSS's ROA % is ranked worse than 68.86% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs CPSS: 0.53
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's ROA % distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Consumer Portfolio Services (CPSS) has a ROA % of 0.56% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Consumer Portfolio Services and its competitors. This is 27% below median its historical median of 0.77. Over the past decade, Consumer Portfolio Services' ROA % has ranged from 0.16 to 3.50. According to the industry distribution chart, Consumer Portfolio Services ranks #376 out of 546 companies in the Credit Services industry, placing it in the top 68.9%.
Is Consumer Portfolio Services' ROA % too high?
Consumer Portfolio Services' current ROA % of 0.56% is 27% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 3.50. The Credit Services industry median ROA % is 1.93. Consumer Portfolio Services' value of 0.56% is 71% below this industry median. Based on the distribution chart, Consumer Portfolio Services ranks #376 out of 546 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' ROA % compare to JFIN and MFIN?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #376 out of 546 companies for ROA %. This places Consumer Portfolio Services in the lower half of its industry. The industry median ROA % is 1.93. Consumer Portfolio Services' value of 0.56% is 71% below this benchmark. Historically, Consumer Portfolio Services' own ROA % has ranged from 0.16 to 3.50 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumer Portfolio Services's current ROA % of 0.56% is 71% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Consumer Portfolio Services and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumer Portfolio Services's current ROA % is 0.56%, which is 27% below median its own 10-year median of 0.77. 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 $9.54 — trading 4.7% above its estimated fair value. The current ROA % is 0.56%, which is 27% below median its 10-year median of 0.77 and 71% below the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current ROA % is 0.56% 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 $9.54 is trading 4.7% above its estimated GF Value™ of $9.11.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
ROA %: 0.56% (27% below median its 10-year median of 0.77)
GF Value™: $9.11 vs. price of $9.54 (4.7% above fair value)
Industry Position: 71% below the Credit Services median (#376 of 546)
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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