The historical rank and industry rank for Consumer Portfolio Services's 5-Year Yield-on-Cost % or its related term are showing as below:
CPSS's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.535 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Consumer Portfolio Services 5-Year Yield-on-Cost % Related Terms
CPSS vs FOA, PMTS, MFIN: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Consumer Portfolio Services's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Consumer Portfolio Services's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Consumer Portfolio Services (CPSS) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Consumer Portfolio Services and its competitors. According to the industry distribution chart, Consumer Portfolio Services ranks #999999 out of 210 companies in the Credit Services industry.
Is Consumer Portfolio Services' 5-Year Yield-on-Cost % too high?
Consumer Portfolio Services' current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Consumer Portfolio Services ranks #999999 out of 210 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' 5-Year Yield-on-Cost % compare to FOA and PMTS?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #999999 out of 210 companies for 5-Year Yield-on-Cost %. This places Consumer Portfolio Services in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.54, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Consumer Portfolio Services and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumer Portfolio Services's current 5-Year Yield-on-Cost % is 0.00. 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 $9.10, compared to a current price of $9.30 — trading 2.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 12, 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 $9.30 is trading 2.2% above its estimated GF Value™ of $9.10.
GuruFocus considers Consumer Portfolio Services to be Fairly Valued.
Key valuation signals for CPSS:
5-Year Yield-on-Cost %: 0.00
GF Value™: $9.10 vs. price of $9.30 (2.2% above fair value)
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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