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 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. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.

Rocco Fabiano

Consumer Portfolio Services, Inc.

Consumer Portfolio Services is an independent specialty finance company that provides indirect automobile financing to individuals with past credit problems, low incomes or limited credit histories. We purchase retail installment sales contracts primarily from franchised automobile dealerships secured by late model used vehicles and, to a lesser extent, new vehicles. We fund these contract purchases on a long-term basis primarily through the securitization markets and service the contracts over their lives. Our operational headquarters are located in Irvine, California and we have four additional strategically located servicing branches in Florida, Illinois, Nevada and Virginia.  MD License# 01-1499www.nmlsconsumeraccess.org

Metric
Company Name	Consumer Portfolio Services, Inc.
Symbol	CPSS
MSH ID	COM:CONSUMERPORTFOLIO
Market	STOCKS
Sector	Financial Services
Industry	Financial - Credit Services
Country	US
Stage
Employee Count	902
Website	consumerportfolio.com
LinkedIn	consumer-portfolio-services
Founders

Metric
Market Cap	199.70M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	340.01M
Revenue (LTM)
Revenue (NTM)
Gross Profit	339.17M
EBITDA	196.57M
Operating Income	195.73M
Net Income	45.34M
EPS	2.17
Diluted EPS	1.80
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.99
Operating Profit Margin	0.53
EBITDA Margin	0.58
Net Profit Margin	0.19
Return on Equity	0.17
Return on Assets	0.02
Return on Capital Employed	0.05

COM:CONSUMERPORTFOLIO

Consumer Portfolio Services, Inc.

Last Close

11.08

14/02 21:00

Market Cap

199.70M

Beta: -

Volume Today

11.59K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	3.55
P/B Ratio	0.70
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.85
EV Multiple	-16.53

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding	11.70
Operating Cycle	4.19K
Cash Conversion Cycle	4.19K
Asset Turnover	0.10

Metric
Operating Cash Flow	237.98M
Free Cash Flow	237.42M
Cash Flow to Debt	0.09
Operating Cash Flow/Sales	0.99
Free Cash Flow Yield	1.26

Metric
Cash & Equivalents	125.43M
Accounts Receivable
Inventory	125K
Goodwill
Debt to Capitalization	0.91
Debt to Assets	0.89
Current Ratio	0.03
Quick Ratio	1.21K

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02
R&D to Revenue
SG&A to Revenue	0.64