Consumer Portfolio Services (CPSS) Stock Price, News & Analysis

Company Overview

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.

Key Stats

• Today's Range: $10.93 to $11.20
• 50-Day Range: $8.24 to $11.19
• 52-Week Range: $7.03 to $12.04
• Volume: 32,131 shs
• Average Volume: 31,167 shs
• Market Capitalization: $227.51 million
• P/E Ratio: 12.63
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Consumer Portfolio Services Stock Analysis - MarketRank™

Consumer Portfolio Services scored higher than 55% of companies evaluated by MarketBeat, and ranked 564th out of 928 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Consumer Portfolio Services.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 260.00%

Earnings Growth

Earnings for Consumer Portfolio Services are expected to grow by 260.00% in the coming year, from $0.85 to $3.06 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Consumer Portfolio Services is 12.63, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 129.39.

Price to Earnings Ratio vs. Sector

The P/E ratio of Consumer Portfolio Services is 12.63, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 46.58.

Price to Book Value per Share Ratio

Consumer Portfolio Services has a P/B Ratio of 0.84. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

12.65% of the float of Consumer Portfolio Services has been sold short.

Short Interest Ratio / Days to Cover

Consumer Portfolio Services has a short interest ratio ("days to cover") of 27.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 2.80%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Consumer Portfolio Services does not currently pay a dividend.

Dividend Growth

Consumer Portfolio Services does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

12.65% of the float of Consumer Portfolio Services has been sold short.

Short Interest Ratio / Days to Cover

Consumer Portfolio Services has a short interest ratio ("days to cover") of 27.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 2.80%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: 0.00

News Sentiment

Consumer Portfolio Services has a news sentiment score of 0.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.57 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for Consumer Portfolio Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Consumer Portfolio Services insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,424,200.00 in company stock.

Percentage Held by Insiders

69.00% of the stock of Consumer Portfolio Services is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

47.57% of the stock of Consumer Portfolio Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CPSS Stock Analysis - Frequently Asked Questions

How have CPSS shares performed this year?

Consumer Portfolio Services' stock was trading at $9.37 at the beginning of the year. Since then, CPSS shares have increased by 17.3% and is now trading at $10.99.
View the best growth stocks for 2024 here.

How were Consumer Portfolio Services' earnings last quarter?

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) released its earnings results on Thursday, October, 31st. The credit services provider reported $0.20 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.21 by $0.01. The credit services provider had revenue of $100.58 million for the quarter, compared to the consensus estimate of $98.34 million. Consumer Portfolio Services had a net margin of 5.59% and a trailing twelve-month return on equity of 7.64%.

Who are Consumer Portfolio Services' major shareholders?

Consumer Portfolio Services' top institutional shareholders include Empowered Funds LLC (0.69%) and Segall Bryant & Hamill LLC (0.23%). Insiders that own company stock include Black Diamond Capital Manageme, Charles E Bradley Jr, Teri Robinson, Greg Washer, John Patrick Harton, Daniel S Wood, Michael T Lavin, Laurie Straten, Jeffrey P Fritz, Chris Terry, April Crisp and Mark Creatura.
View institutional ownership trends.

How do I buy shares of Consumer Portfolio Services?

Shares of CPSS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Consumer Portfolio Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Consumer Portfolio Services investors own include Meta Platforms (META), NVIDIA (NVDA), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA) and Home Depot (HD).

Company Calendar

• Last Earnings: 10/31/2024
• Today: 11/08/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 3/21/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Nondepository credit institutions
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CPSS
• CUSIP: N/A
• CIK: 889609
• Web: www.consumerportfolio.com
• Phone: (949) 753-6800
• Fax: 949-753-6805
• Employees: 740
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $0.87
• Trailing P/E Ratio: 12.63
• Forward P/E Ratio: 12.93
• P/E Growth: N/A
• Net Income: $45.34 million
• Net Margins: 5.59%
• Pretax Margin: 10.03%
• Return on Equity: 7.64%
• Return on Assets: 0.69%

Debt

• Debt-to-Equity Ratio: 10.19
• Current Ratio: 21.80
• Quick Ratio: 21.80

Sales & Book Value

• Annual Sales: $201.17 million
• Price / Sales: 1.13
• Cash Flow: $2.92 per share
• Price / Cash Flow: 3.77
• Book Value: $13.01 per share
• Price / Book: 0.84

Miscellaneous

• Outstanding Shares: 20,702,000
• Free Float: 6,418,000
• Market Cap: $227.51 million
• Optionable: Optionable
• Beta: 2.00