Consumer Portfolio Services, Inc.

CPSS

$8.81

-5.17%

N/A-$0.48

Financial Services

Financial - Credit Services

NASDAQ

Active Trading

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service ...

Key Metrics of CPSS

Snapshot

Latest / TTM · 6 periods

Market Cap

$191.16M

ROCE

4.3%

EV / EBITDA

26.79x

-2.5% YoY

FCF Yield

183.3%

+42.1% YoY

Cash Conversion Cycle

-293.7d

Current Ratio

0.23

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$267.36M	$185.48M	$195.80M	$231.23M	$204.22M	$191.16M
Enterprise ValueCompany value including debt and cash adjustments.	$2.05B	$2.50B	$2.64B	$3.25B	$3.71B	$4.19B
EV / SalesHow many dollars investors pay per dollar of sales.	7.64x	7.58x	7.50x	8.26x	8.66x	9.28x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	30.34x	21.22x	42.64x	114.90x	14.25x	26.79x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	26.38	19.65	39.47	106.73	13.46	25.57

Returns + ROCE gauge

ROCE latest

4.3%

Prev year 6.8%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	27.9%	37.6%	16.5%	6.6%	6.2%	6.9%
ROAProfit generated from total assets.	2.2%	3.1%	1.6%	0.5%	0.5%	0.5%
ROICReturn generated on invested operating capital.	509.7%	-148.9%	1055.5%	94.2%	-2258.3%	-18.1%
ROCEOperating return on long-term capital used.	3.0%	4.3%	2.1%	0.8%	6.8%	4.3%
Earnings YieldEarnings as a percentage of market value.	17.8%	46.4%	23.2%	8.3%	9.5%	11.3%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$250.60M	$278.55M	$346.24M	$367.21M	$448.41M	$517.92M
FCFECash flow available to equity holders after debt flows.	$173.22M	$741.11M	$333.19M	$803.03M	$640.64M	$965.32M
FCF YieldFree cash flow divided by market capitalization.	73.4%	115.3%	121.3%	100.9%	141.2%	183.3%
Income QualityHow well accounting earnings are backed by cash flow.	4.17	2.51	5.25	12.17	14.95	16.22
Capex / OCFShare of operating cash flow spent on capital expenditures.	1.0%	1.0%	0.2%	0.2%	0.2%	0.0%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	2627.1d	2820.5d	2848.7d	3078.3d	3118.4d	0.0d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	0.0d	0.0d	0.0d	0.0d	13515.4d	293.7d
Operating CycleTime from buying inventory to collecting receivables.	2627.1d	2820.5d	2848.7d	3078.3d	3118.4d	0.0d
Cash Conversion CycleNet days cash is tied in operations.	2627.1d	2820.5d	2848.7d	3078.3d	-10397.0d	-293.7d

Snapshot

Latest / TTM: —

Market Cap

$191.16M

ROE

6.9%

FCF Yield

183.3%

Current Ratio

0.23

Supply Chain of CPSS

Upstream / Downstream / Proxies

Upstream

Citibank, N.A. (Citigroup Inc.)NYSE:C Capital One, N.A.NYSE:COF Oaktree Capital Management (Brookfield Asset Management)NYSE:BAMValley Strong Credit UnionInstitutional ABS Note Buyers (Qualified Institutional Buyers)CPS Notes Retail InvestorsComputershare Trust Company, N.A.ASX:CPUPayNearMeInformed.IQNearshore Servicing Partner (Undisclosed)Goldman Sachs Bank USANYSE:GS Fortress Credit Corp.NYSE:FIG Standard & Poor's (S&P Global Ratings)NYSE:SPGI Morningstar DBRS (DBRS, Inc.)NASDAQ:MORN

Downstream

Franchised Automobile Dealers (Network of ~10,500 Active Dealers, ~60% Franchised, ~40% Independent)AutoNation, Inc.NYSE:AN Penske Automotive Group, Inc.NYSE:PAG Group 1 Automotive, Inc.NYSE:GPI Lithia Motors, Inc. (Lithia & Driveway)NYSE:LADSubprime Auto Loan Borrowers (~220,000 Active Accounts)Valley Strong Credit Union

Proxies

Credit Acceptance CorporationNASDAQ:CACC Ally Financial Inc.NYSE:ALLYSantander Consumer USA Holdings Inc.Unconfirmed

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