Consumer Portfolio Services, Inc. (CPSS) Key Metrics
CPSS valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $200.4M
- Enterprise value
- $4.22B
- P/E (TTM)
- 10.1 10-yr median 5.8
- Forward P/E
- 3.9
- PEG ratio
- 0.33
- Price / sales
- 0.9 10-yr median 0.5
- Price / book
- 0.7 10-yr median 0.8
- EV / EBITDA
- — 10-yr median 58.2
- Dividend yield
- —
- Beta
- 1.14
CPSS key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCPSS valuation Price multiples at each fiscal year-end price.
CPSS returns How much profit the business earns on the capital it uses.
CPSS per-share figures Results divided by the shares outstanding at year-end.
CPSS financial health Debt, liquidity and how easily interest is covered.
CPSS efficiency & capital use Working capital cycle and where the cash goes.
CPSS valuation history
CPSS returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CPSS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CPSS cash returned to shareholders
CPSS price vs earnings per share
CPSS key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $224.7M | $264.2M | $236.3M | $235.3M | $305.5M | $101.8M | $81.1M | $75.2M | $112.9M | $148.7M |
| Enterprise value | $3.73B | $3.28B | $2.68B | $2.55B | $2.08B | $1.94B | $2.37B | $2.32B | $2.31B | $2.33B |
| P/E ratio | 11.6 | 13.8 | 5.2 | 2.7 | 6.4 | 4.7 | 15.0 | 5.1 | 30.0 | 5.1 |
| Price / sales | 0.5 | 0.7 | 0.7 | 0.7 | 1.1 | 0.4 | 0.2 | 0.2 | 0.3 | 0.4 |
| Price / book | 0.7 | 0.9 | 0.9 | 1.0 | 1.8 | 0.8 | 0.4 | 0.4 | 0.6 | 0.8 |
| Price / free cash flow | 0.8 | 1.1 | 1.0 | 1.1 | 1.6 | 0.4 | 0.4 | 0.3 | 0.5 | 0.8 |
| Price / operating cash flow | 0.8 | 1.1 | 1.0 | 1.1 | 1.5 | 0.4 | 0.4 | 0.3 | 0.5 | 0.8 |
| EV / sales | 8.7 | 8.3 | 7.6 | 7.7 | 7.8 | 7.2 | 6.8 | 6.0 | 5.3 | 5.5 |
| EV / EBITDA | 14.3 | 116.1 | 43.3 | 21.6 | 30.9 | 88.5 | 231.0 | 117.8 | 70.1 | 46.3 |
| EV / free cash flow | 12.9 | 14.1 | 11.3 | 11.9 | 10.6 | 8.1 | 10.9 | 10.8 | 10.8 | 12.0 |
| Earnings yield | 8.6% | 7.3% | 19.2% | 36.5% | 15.6% | 21.3% | 6.7% | 19.8% | 3.3% | 19.7% |
| Free cash flow yield | 128.3% | 88.3% | 100.5% | 90.9% | 64.2% | 234.6% | 266.4% | 286.0% | 190.4% | 131.3% |
| Dividend yield | — | — | 3.3% | 6.5% | 2.0% | 0.9% | 0.4% | — | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 3.9% | 4.9% | 11.9% | 26.1% | 10.4% | 2.1% | 2.2% | 7.1% | 10.9% | 7.0% |
| Share price at fiscal year-end | $9.33 | $10.86 | $9.37 | $8.85 | $11.85 | $4.24 | $3.37 | $3.01 | $4.15 | $5.12 |
| Per share | ||||||||||
| Revenue per share | $17.77 | $16.18 | $13.96 | $12.40 | $10.39 | $11.30 | $14.37 | $15.60 | $15.96 | $14.54 |
| Earnings per share | $0.80 | $0.79 | $1.80 | $3.23 | $1.84 | $0.90 | $0.22 | $0.59 | $0.14 | $1.01 |
| Operating cash flow per share | $12.00 | $9.61 | $9.44 | $8.12 | $7.69 | $9.95 | $9.01 | $8.65 | $7.92 | $6.76 |
| Free cash flow per share | $11.97 | $9.59 | $9.41 | $8.04 | $7.61 | $9.95 | $8.98 | $8.61 | $7.90 | $6.72 |
| Cash per share | $0.26 | $5.65 | $4.97 | $6.12 | $6.85 | $6.01 | $0.22 | $0.51 | $0.47 | $0.48 |
| Book value per share | $12.85 | $12.04 | $10.89 | $8.59 | $6.60 | $5.56 | $8.42 | $7.89 | $6.76 | $6.41 |
| Tangible book value per share | $12.85 | $12.04 | $10.65 | $8.10 | $5.69 | $4.21 | $7.04 | $7.06 | $5.48 | $4.82 |
| Dividends per share | — | — | $0.31 | $0.57 | $0.23 | $0.04 | $0.01 | — | $0.00 | $0.00 |
| Capex per share | $0.03 | $0.02 | $0.02 | $0.08 | $0.08 | $0.00 | $0.03 | $0.04 | $0.02 | $0.04 |
| Debt per share | $145.64 | $129.78 | $101.94 | $93.18 | $75.83 | $82.55 | $95.14 | $90.32 | $81.29 | $75.74 |
| Shares outstanding | 24.1M | 24.3M | 25.2M | 26.6M | 25.8M | 24.0M | 24.1M | 25.0M | 27.2M | 29.0M |
| Change in shares outstanding | −1.0% | −3.5% | −5.2% | +3.1% | +7.4% | −0.3% | −3.7% | −8.2% | −6.3% | −8.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 6.4% | 6.8% | 18.0% | 43.1% | 31.3% | 12.9% | 2.7% | 7.8% | 2.0% | 16.9% |
| Return on invested capital (ROIC) | 5.0% | 0.6% | 1.7% | 3.8% | 2.4% | 0.9% | 0.2% | 0.6% | 0.7% | 1.3% |
| Return on assets (ROA) | 0.5% | 0.6% | 1.6% | 3.5% | 2.2% | 0.9% | 0.2% | 0.6% | 0.2% | 1.3% |
| Return on tangible assets | 0.5% | 0.5% | 1.6% | 3.1% | 2.2% | 1.0% | 0.2% | 0.6% | 0.2% | 1.2% |
| Free cash flow margin | 67.4% | 59.3% | 67.4% | 64.8% | 73.3% | 88.0% | 62.5% | 55.2% | 49.5% | 46.2% |
| Income quality (OCF / net income) | 14.95 | 12.17 | 5.25 | 2.51 | 4.17 | 11.01 | 40.10 | 14.55 | 57.28 | 6.70 |
| Financial health | ||||||||||
| Total debt | $3.51B | $3.16B | $2.57B | $2.48B | $1.95B | $1.98B | $2.29B | $2.26B | $2.21B | $2.20B |
| Cash & short-term investments | $6.3M | $137.4M | $125.4M | $162.8M | $176.5M | $144.2M | $5.3M | $12.8M | $12.7M | $13.9M |
| Net debt | $3.50B | $3.02B | $2.45B | $2.31B | $1.78B | $1.84B | $2.28B | $2.24B | $2.20B | $2.19B |
| Debt / equity | 11.33 | 10.78 | 9.36 | 10.85 | 11.48 | 14.86 | 11.30 | 11.45 | 12.03 | 11.81 |
| Debt / assets | 0.91 | 0.90 | 0.88 | 0.90 | 0.90 | 0.92 | 0.90 | 0.91 | 0.91 | 0.91 |
| Net debt / EBITDA | 13.46 | 106.73 | 39.47 | 19.65 | 26.38 | 83.88 | 223.11 | 113.94 | 66.64 | 43.33 |
| Current ratio | 0.44 | 0.03 | 0.03 | 0.22 | 0.30 | 12.92 | 0.13 | 0.27 | 0.42 | 0.39 |
| Quick ratio | 0.44 | 0.03 | 0.03 | 0.21 | 0.28 | 12.89 | 0.07 | 19.70 | 17.62 | 19.20 |
| Interest coverage | 1.1 | 0.1 | 0.4 | 1.3 | 0.9 | 0.2 | 0.1 | 0.2 | 0.3 | 0.6 |
| Working capital | −$7.9M | −$399.2M | −$227.9M | −$51.0M | −$73.4M | $1.42B | −$117.9M | −$123.8M | −$81.6M | −$78.2M |
| Invested capital | $3.81B | $3.31B | $2.72B | $2.54B | $1.95B | $1.97B | $2.49B | $2.44B | $2.38B | $2.37B |
| Tangible asset value | $309.5M | $292.8M | $268.6M | $215.5M | $146.8M | $101.0M | $169.4M | $176.5M | $149.0M | $139.8M |
| Net current asset value | −$3.54B | −$3.20B | −$2.63B | −$2.51B | −$1.96B | −$479.2M | −$2.32B | −$2.24B | −$2.18B | −$2.17B |
| Graham number | $15.23 | $14.62 | $20.99 | $25.00 | $16.55 | $10.63 | $6.52 | $10.27 | $4.59 | $12.07 |
| Graham net-net per share | −$33.22 | −$23.93 | −$17.66 | −$17.04 | −$14.34 | −$17.30 | −$96.36 | −$155.67 | −$125.18 | −$116.76 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | $7.9M | $15.3M | $6.0M | $949,000 | $352,000 | — | $0 | $0 |
| Share buybacks (net) | $8.7M | $12.8M | $20.3M | $46.1M | $25.7M | $1.2M | $1.4M | $5.3M | $12.3M | $10.5M |
| Dividend payout ratio | — | — | 17.4% | 17.8% | 12.7% | 4.4% | 6.5% | — | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 3.0% | 5.5% | 11.9% | 28.7% | 16.2% | 0.9% | 0.8% | 2.5% | 5.7% | 5.4% |
| Capex / revenue | 0.2% | 0.1% | 0.2% | 0.7% | 0.7% | 0.0% | 0.2% | 0.3% | 0.2% | 0.3% |
| Capex / operating cash flow | 0.2% | 0.2% | 0.2% | 1.0% | 1.0% | 0.0% | 0.3% | 0.5% | 0.3% | 0.5% |
| Capex / depreciation | 0.80 | 0.50 | 0.66 | 1.33 | 1.18 | 0.01 | 0.70 | 1.09 | 0.72 | 1.39 |
| Stock-based compensation / revenue | 0.6% | 0.8% | 1.0% | 1.3% | 0.7% | 0.7% | 0.6% | 0.9% | 1.3% | 1.3% |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 12.4% | 44.1% | 45.3% | 44.0% | 49.3% | 46.6% | 38.1% | 32.8% | 26.5% | 25.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 2,974.4 | 2,813.3 | 2,745.3 | 2,477.2 | 2,635.6 | 1,313.6 | 23.0 | 36.9 | 34.9 | 15.7 |
| Days of inventory on hand | — | — | 1.0 | 9.3 | 18.9 | 17.9 | -3,038.8 | -4,437.9 | -3,166.1 | -1,695.5 |
| Days payables outstanding | 13,515.4 | — | — | 304.3 | 261.1 | 142.6 | 73.2 | 47.0 | 35.1 | 38.5 |
| Cash conversion cycle (days) | -10,540.9 | — | — | 2,182.3 | 2,393.4 | 1,188.9 | -3,089.0 | -4,448.0 | -3,166.4 | -1,718.3 |
| Receivables turnover | 0.12 | 0.13 | 0.13 | 0.15 | 0.14 | 0.28 | 15.86 | 9.90 | 10.47 | 23.27 |
| Payables turnover | 0.03 | — | — | 1.20 | 1.40 | 2.56 | 4.98 | 7.77 | 10.39 | 9.49 |
| Inventory turnover | — | — | 357.27 | 39.08 | 19.35 | 20.36 | — | — | — | — |
| Asset turnover | 0.12 | 0.12 | 0.12 | 0.13 | 0.12 | 0.12 | 0.14 | 0.16 | 0.18 | 0.19 |
| Average receivables | $3.49B | $3.03B | $2.65B | $2.24B | $1.93B | $975.9M | $21.8M | $39.4M | $41.5M | $18.1M |
| Average payables | $65.2M | — | — | $49.5M | $43.4M | $45.1M | $39.4M | $30.2M | $26.8M | $27.2M |
| Average inventory | — | — | $348,000 | $1.5M | $3.1M | $5.7M | −$1.63B | −$2.85B | −$2.42B | −$1.20B |
| Intangibles / total assets | 0.0% | 0.0% | 0.2% | 0.5% | 1.1% | 1.5% | 1.3% | 0.8% | 1.4% | 1.9% |
Computed from CPSS's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CPSS valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Consumer Portfolio Services traded at 11.6 times earnings, against a 10-year median of 5.8. Based on the latest twelve months, the trailing P/E is 10.1 and the forward P/E is 3.9. Consumer Portfolio Services earned a return on equity of 6.4% and a return on invested capital of 5.0% in fiscal 2025. It ended the year with $3.5 billion of debt and $6.3 million in cash and short-term investments, net debt of $3.5 billion. It returned $8.7 million to shareholders: $0 in dividends and $8.7 million in share buybacks, 3% of free cash flow. The share count fell 17.1% from 29.0M to 24.1M over 9 years.
See the CPSS income statement, the CPSS chart for price history, or the CPSS stock overview for the latest quote and news.
CPSS key metrics FAQ
What is Consumer Portfolio Services's P/E ratio?
Consumer Portfolio Services's trailing P/E ratio is 10.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 3.9. At the end of fiscal 2025 it was 11.6, compared with a 10-year median of 5.8.
What is Consumer Portfolio Services's EV/EBITDA?
Consumer Portfolio Services's enterprise value was 14.3 times EBITDA at the end of fiscal 2025 (enterprise value $3.7 billion, EBITDA $260.0 million).
What is Consumer Portfolio Services's return on equity?
Consumer Portfolio Services's return on equity (ROE) was 6.4% in fiscal 2025: net income of $19.3 million on average shareholders' equity of $301.2 million.
What is Consumer Portfolio Services's ROIC?
Consumer Portfolio Services's return on invested capital was 5.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Consumer Portfolio Services have?
Consumer Portfolio Services had total debt of $3.5 billion at the end of fiscal 2025, a debt-to-equity ratio of 11.33 and $3.5 billion of net debt (13.46 times EBITDA).
Does Consumer Portfolio Services buy back its shares?
Yes. Consumer Portfolio Services spent $8.7 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.0% over the year, to 24.1M..
What is Consumer Portfolio Services's free cash flow yield?
Consumer Portfolio Services generated $288.3 million of free cash flow in fiscal 2025, a free cash flow yield of 128.3% on its market value at year-end ($224.7 million).
What is Consumer Portfolio Services's current ratio?
Consumer Portfolio Services's current ratio was 0.44 at the end of fiscal 2025: current assets were 0.44 times current liabilities.