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CONSUMER PORTFOLIO SERVICES, INC. CPSS

Nasdaq · stock · Finance Services · website · IPO 1992-10-22

CONSUMER PORTFOLIO SERVICES, INC. statistics & valuation

Market cap$217.0M
P / E11.2×
P / S0.5×
P / B0.7×
P / FCF0.8×
Net margin4.4%
Return on equity6.2%
FCF margin66.4%
Graham number +59.8%$15.21

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($15.21); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
6.90% 0.90% 3.80% 1.60% 8.00% 17.70% 26.10% 12.90% 4.90% 4.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
15.70% 2.00% 7.50% 4.90% 16.30% 27.90% 37.60% 16.50% 6.20% 2016201720182019202020212022202320242025
Shares outstanding
29.0M 27.2M 25.0M 24.1M 24.0M 25.8M 26.6M 25.2M 24.3M 24.1M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.20% 0.20% 0.60% 0.20% 1.00% 2.20% 3.10% 1.60% 0.50% 0.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
46.20% 49.50% 55.20% 62.50% 88.00% 73.30% 64.80% 67.40% 59.30% 66.40% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.01 $0.14 $0.59 $0.22 $0.90 $1.84 $3.23 $1.80 $0.79 $0.80 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CONSUMER PORTFOLIO SERVICES, INC. trades at about 11.9× earnings — above its 10-year norm (10-year range 3.1×–32×, median 6.5×).

3.1× 32×

Shaded band = 10-year range (3.1×–32×); dot = today's 11.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin4.4%4.9%12.9%26.1%17.7%8.0%1.6%3.8%0.9%6.9%
FCF margin66.4%59.3%67.4%64.8%73.3%88.0%62.5%55.2%49.5%46.2%
Return on assets0.5%0.5%1.6%3.1%2.2%1.0%0.2%0.6%0.2%1.2%
Return on equity6.2%—16.5%37.6%27.9%16.3%4.9%7.5%2.0%15.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.