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Consumer Portfolio Services Inc

Consumer Portfolio Services Inc

CPSS · NASDAQ · Financial Services / Credit Services

9.53USD-0.24 (-2.46%)

Price History

Full chart

Market Stats

Previous Close9.77
Open9.54
Day Range9.26 – 9.61
52-Week Range7.30 – 10.49
Volume6.20K
Market Cap206.06M
P/E (TTM)10.51
Forward P/E3.95
EPS0.91
Dividend Yield0.00%
Beta1.11
50-Day Avg9.35
200-Day Avg9.01

About

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; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Charles E. Bradley Jr.
  • Employees994
  • Headquarters3800 Howard Hughes Parkway, Las Vegas, NV, United States, 89169, USA
  • Websitehttps://www.consumerportfolio.com

Leadership

  • Mr. Charles E. Bradley Jr.CEO & Chairman · b. 1960
  • Mr. Michael T. LavinPresident, COO & Chief Legal Officer · b. 1973
  • Mr. Denesh BharwaniCFO & Executive VP · b. 1968
  • Mr. Brian J. RayhillSecretary & Independent Director · b. 1963
  • Ms. Teri L. RobinsonExecutive Vice President of Sales & Originations · b. 1963
  • Ms. Catrina RalstonSenior Vice President of Human Resources · b. 1977
  • Mr. Robert E. RiedlSenior EVP & Chief Risk Officer · b. 1963
  • Mr. Christopher TerryExecutive Vice President of Systems, Risk & IT · b. 1968
  • Mr. Steve SchweenSenior Vice President of Systems · b. 1964
  • Mr. Charles E. GonelSenior Vice President of Servicing · b. 1981

Financials

Income Statement

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue--------36.71M62.58M98.39M104.99M131.41M193.70M278.86M394.55M368.41M223.90M155.19M143.13M187.21M244.83M300.26M363.65M422.28M434.38M389.77M345.80M271.16M267.81M329.71M352.01M393.51M427.97M
Growth (%)---------+70.48%+57.23%+6.71%+25.16%+47.40%+43.97%+41.49%-6.63%-39.23%-30.69%-7.77%+30.79%+30.78%+22.64%+21.11%+16.12%+2.87%-10.27%-11.28%-21.58%-1.24%+23.11%+6.77%+11.79%+8.76%
Cost of Revenue--------49.95M14.34M23.93M23.86M76.47M110.66M185.17M276.46M318.62M203.78M111.50M98.56M112.92M135.05M158.62M200.36M258.45M279.06M234.55M196.30M115.45M60.65M59.42M124.33M185.95M1.76M
Gross Profit---------48.24M74.46M81.13M54.93M83.04M93.69M118.09M49.79M20.12M43.69M44.57M74.29M109.78M141.63M163.29M163.83M155.32M155.23M149.50M155.71M207.16M270.29M227.68M207.56M426.21M
Gross Margin---------77.09%75.68%77.27%41.81%42.87%33.60%29.93%13.51%8.98%28.15%31.14%39.68%44.84%47.17%44.90%38.80%35.76%39.83%43.23%57.42%77.35%81.98%64.68%52.75%99.59%
Operating Expense---------47.92M74.40M84.16M70.82M79.67M80.49M94.13M93.24M69.52M59.88M59.03M65.10M72.61M89.39M101.91M114.17M123.25M136.53M140.34M135.59M141.42M154.09M166.59M180.13M166.18M
Operating Income-1.50M-1.80M-1.80M7.60M-18.50M25.70M-44.50M-22.15M320.00K62.00K-3.04M-15.89M3.37M13.20M23.96M-43.45M-49.41M-16.20M-14.46M9.19M37.17M52.24M61.38M49.66M32.07M18.70M9.16M20.12M65.75M116.19M61.10M27.43M260.03M
Operating Margin---------60.34%0.51%0.06%-2.89%-12.09%1.74%4.73%6.07%-11.80%-22.07%-10.44%-10.10%4.91%15.18%17.40%16.88%11.76%7.38%4.80%2.65%7.42%24.55%35.24%17.36%6.97%60.76%
EBITDA-1.50M-1.80M-1.80M7.60M20.50M14.10M36.80M37.20M1.20M1.91M5.75M656.00K-15.10M4.16M14.00M24.50M-42.92M-48.70M-15.55M-13.79M9.73M37.61M52.67M62.02M50.44M33.01M19.70M10.24M21.90M67.42M117.81M61.94M28.29M260.03M
EBITDA Margin--------3.27%3.05%5.84%0.62%-11.49%2.15%5.02%6.21%-11.65%-21.75%-10.02%-9.63%5.20%15.36%17.54%17.05%11.94%7.60%5.05%2.96%8.08%25.17%35.73%17.60%7.19%60.76%
Net Income-1.50M-1.80M6.70M7.60M14.10M18.50M25.70M-44.53M-22.15M320.00K20.41M395.00K-15.89M3.37M39.55M13.86M-26.09M-57.21M-33.18M-14.46M69.41M21.00M29.52M34.68M29.30M3.77M14.86M5.41M21.68M47.52M85.98M45.34M19.20M19.32M
Net Income Margin---------60.34%0.51%20.74%0.38%-12.09%1.74%14.18%3.51%-7.08%-25.55%-21.38%-10.10%37.08%8.58%9.83%9.54%6.94%0.87%3.81%1.56%7.99%17.75%26.08%12.88%4.88%4.52%
R&D-------------------000000.120.070.050.030.070.240.370.18--
R&D as % of Total Revenue-------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense1.50M1.80M1.80M7.60M0000014.34M23.93M23.86M32.15M51.67M93.11M139.19M156.25M111.77M81.58M83.05M79.42M58.18M50.40M57.74M79.94M92.34M101.47M110.53M101.34M75.24M87.52M146.63M191.26M232.02M
Interest Expense % of Total Revenue--------0.00%22.91%24.32%22.73%24.46%26.68%33.39%35.28%42.41%49.92%52.57%58.03%42.42%23.76%16.78%15.88%18.93%21.26%26.03%31.96%37.37%28.09%26.55%41.65%48.60%54.22%

Balance Sheet

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets----101.90M225.90M432.00M223.50M175.70M151.20M285.45M492.47M766.60M1.16B1.73B2.28B1.64B1.07B742.39M890.05M1.04B1.40B1.83B2.14B2.41B2.42B2.49B2.54B2.15B2.16B2.76B2.91B3.50B3.86B
Total Liabilities----45.00M143.30M312.90M139.10M113.60M89.52M202.87M410.31M696.68M1.08B1.62B2.17B1.55B1.03B739.97M904.26M976.31M1.30B1.71B1.98B2.22B2.24B2.29B2.34B2.02B1.99B2.53B2.63B3.21B3.55B
Total Equity----56.90M82.60M119.10M84.40M62.10M61.69M82.57M82.16M69.92M73.59M111.51M114.36M89.85M35.58M2.42M-14.21M61.31M94.60M127.25M161.16M186.22M183.94M197.12M202.64M133.36M170.21M228.39M274.67M292.77M309.54M
Cash----200.00K1.70M1.90M1.60M19.10M2.57M32.95M33.21M14.37M17.79M14.21M20.88M22.08M12.43M16.25M10.09M12.97M22.11M17.86M19.32M13.94M12.73M12.79M5.29M144.15M176.55M162.79M125.43M137.40M6.32M
Total Debt----36.30M119.70M274.50M119.20M102.60M65.06M158.44M367.12M675.55M1.06B1.59B2.06B1.53B1.01B717.94M876.26M958.52M1.28B1.68B2.13B2.20B2.21B2.26B2.29B1.98B1.95B2.48B2.57B3.16B3.51B
Net Debt----36.10M118.00M272.60M117.60M83.50M62.48M125.50M333.91M661.18M1.04B1.57B2.04B1.51B1.00B701.68M866.17M945.56M1.25B1.67B1.93B2.19B2.20B2.24B2.28B1.84B1.78B2.31B2.45B3.02B3.50B

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-9.70M-26.10M-71.10M200.00K38.70M3.72M146.89M99.76M9.96M36.68M57.11M153.41M124.97M79.50M38.14M10.80M34.99M99.37M135.83M187.56M196.33M215.65M216.21M216.78M238.77M198.19M215.93M237.98M233.75M289.00M
Investing Cash Flow--3.00M3.30M-600.00K-536.00K-29.75M-179.81M-314.06M-411.69M-568.39M-665.39M657.64M438.67M272.91M-154.98M-91.49M-409.57M-541.16M-441.29M-437.80M-210.63M-242.19M-229.35M93.03M-115.36M-713.90M-359.53M-769.71M-590.12M
Financing Cash Flow1.40M35.20M68.30M-3.80M-20.40M-19.67M-86.76M80.31M285.26M378.43M507.71M518.64M-781.41M-527.82M-307.23M138.02M59.38M319.34M401.08M255.19M242.78M-7.02M31.40M23.29M-328.48M-50.44M484.21M84.19M547.92M335.93M
Capital Expenditure400.00K1.00M1.30M0600.00K766.00K285.00K93.00K1.41M166.00K412.00K1.09M442.00K812.00K283.00K404.00K394.00K477.00K823.00K1.19M1.08M669.00K1.08M751.00K24.00K1.98M2.15M559.00K433.00K709.00K
Free Cash Flow-10.10M-27.10M-72.40M200.00K38.10M2.96M146.61M99.67M8.55M36.52M56.70M152.33M124.53M78.69M37.86M10.39M34.59M98.89M135.00M186.36M195.25M214.98M215.13M216.03M238.74M196.22M213.78M237.42M233.32M288.29M
Dividends Paid---------------0000000-352.00K949.00K6.05M15.28M7.89M--
FCF to OCF104.12%103.83%101.83%100.00%98.45%79.43%99.81%99.91%85.86%99.55%99.28%99.29%99.65%98.98%99.26%96.26%98.87%99.52%99.39%99.36%99.45%99.69%99.50%99.65%99.99%99.00%99.00%99.77%99.81%99.75%
Dividend Paid to FCF---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%-0.16%0.40%3.08%7.15%3.32%--

Earnings

Report DateMay 16, 1995Jul 19, 1995Oct 17, 1995Feb 22, 1996Apr 23, 1996Jul 17, 1996Oct 23, 1996Feb 14, 1997Apr 24, 1997Jul 22, 1997Oct 22, 1997Feb 23, 1998Apr 16, 1998Jul 16, 1998Oct 22, 1998Mar 3, 1999May 17, 1999Jul 16, 1999Nov 16, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Aug 7, 2003Oct 31, 2003Feb 23, 2004May 4, 2004Aug 2, 2004Nov 15, 2004Mar 24, 2005May 3, 2005Jul 26, 2005Oct 24, 2005Feb 28, 2006Apr 25, 2006Jul 17, 2006Oct 18, 2006Feb 15, 2007Apr 17, 2007Jul 17, 2007Oct 17, 2007Feb 12, 2008Apr 15, 2008Jul 15, 2008Oct 28, 2008Mar 31, 2009May 15, 2009Aug 14, 2009Nov 16, 2009May 17, 2010Aug 16, 2010Nov 15, 2010Mar 31, 2011May 24, 2011Aug 15, 2011Nov 14, 2011Mar 5, 2012Apr 18, 2012Jul 18, 2012Nov 6, 2012Feb 4, 2013Apr 16, 2013Aug 8, 2013Oct 17, 2013Feb 10, 2014Apr 8, 2014Jul 21, 2014Oct 14, 2014Feb 17, 2015Apr 16, 2015Jul 15, 2015Oct 15, 2015Feb 24, 2016Apr 25, 2016Jul 27, 2016Oct 17, 2016Feb 14, 2017Apr 19, 2017Jul 24, 2017Oct 23, 2017Feb 14, 2018Apr 18, 2018Jul 24, 2018Oct 17, 2018Feb 12, 2019Apr 18, 2019Jul 24, 2019Oct 29, 2019Mar 16, 2020Apr 15, 2020Jul 21, 2020Oct 19, 2020Feb 23, 2021May 10, 2021Aug 12, 2021Oct 27, 2021Feb 14, 2022Apr 18, 2022Jul 25, 2022Nov 10, 2022Mar 9, 2023Apr 26, 2023Aug 2, 2023Nov 9, 2023Mar 15, 2024May 10, 2024Jul 30, 2024Nov 1, 2024Feb 26, 2025May 8, 2025Aug 11, 2025Nov 10, 2025Mar 10, 2026May 6, 2026Aug 4, 2026Nov 9, 2026
EPS Estimate0.160.160.170.180.190.210.230.260.260.280.300.310.320.340.280.290.260.250.24------------------0.020.020.040.050.080.160.140.140.160.160.100.08-0.40-0.40-0.11-0.14-0.10--0.16-0.11-0.10----0.120.01-0.010.120.110.140.160.200.190.220.220.240.240.260.270.270.230.230.240.240.200.180.170.170.130.140.120.130.170.080.080.080.190.280.300.230.230.210.190.200.750.190.180.180.180.180.180.26--0.210.270.300.260.250.23---
EPS Actual0.180.180.180.190.210.220.260.260.270.290.300.320.340.390.380.51-0.140.25-0.37-0.55-0.16-0.060.010.010.760.040.060.290.12-0.14-0.28-0.07-0.01-0.10-0.57-0.010.020.060.070.070.110.180.190.140.150.160.170.110.08-0.32-1.22-0.03-0.32-0.23-0.33-0.51-0.20-0.13-0.23-0.35-0.200.010.020.050.110.160.120.130.190.170.210.220.240.250.260.270.280.290.240.250.260.260.160.170.170.200.120.130.130.130.070.080.080.000.450.130.160.170.210.390.520.710.750.910.520.520.520.520.520.290.190.190.200.210.190.200.200.210.240.27-
Surprise12.50%12.50%5.88%5.56%10.53%4.76%13.04%0.00%3.85%3.57%0.00%3.23%6.25%14.71%35.71%75.86%-153.85%0.00%-254.17%------------------200.00%250.00%75.00%120.00%125.00%18.75%0.00%7.14%0.00%6.25%10.00%0.00%20.00%-205.00%72.73%-128.57%-130.00%--218.75%-81.82%-30.00%---108.33%100.00%-1000.00%33.33%9.09%-7.14%18.75%-15.00%10.53%0.00%9.09%4.17%8.33%3.85%3.70%7.41%4.35%8.70%8.33%8.33%-20.00%-5.56%0.00%17.65%-7.69%-7.14%8.33%0.00%-58.82%0.00%0.00%-98.00%136.84%-53.57%-46.67%-26.09%-8.70%85.71%173.68%255.00%0.00%378.95%188.89%188.89%188.89%188.89%188.89%11.12%---4.76%-22.22%-36.67%-23.08%-20.00%-8.70%---
Timing-------------------------------------After-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursPre-marketAfter-hours----After-hoursAfter-hoursAfter-hours-After-hours-After-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hours--After-hours

Key Statistics & Ratios

Market Cap206.06M
Enterprise Value4.22B
Trailing P/E10.51
Forward P/E3.95
PEG Ratio0.33
Price / Sales0.97
Price / Book0.65
EPS0.91
Book Value14.90
Revenue (TTM)211.77M
Gross Profit (TTM)211.77M
Profit Margin10.20%
Operating Margin15.81%
Return on Equity6.94%
Return on Assets0.53%
Shares Outstanding21.55M
Shares Float8.72M
Beta1.11
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
46.06%
Insiders
31.01%
Retail / Other
22.93%

Top Institutional Holders

  • Black Diamond Capital Management I, LLLP
    5.13M23.79%
  • Dimensional Fund Advisors, Inc.
    1.57M7.29%
  • BlackRock Inc
    634.59K2.94%
  • Vanguard Capital Management, LLC
    413.56K1.92%
  • Bridgeway Capital Management, LLC
    395.61K1.84%
  • Renaissance Technologies Corp
    356.16K1.65%
  • Geode Capital Management, LLC
    218.48K1.01%
  • State Street Corp
    195.80K0.91%
  • Empowered Funds, LLC
    151.76K0.70%

Top Fund Holders

  • DFA US Small Cap Value I
    351.82K1.63%
  • Vanguard MStar Total Stk Mkt Idx Invest
    309.21K1.43%
  • iShares Russell 2000 ETF
    239.89K1.11%
  • DFA US Targeted Value I
    213.63K0.99%
  • DFA US Core Equity 2 I
    175.20K0.81%
  • EA Bridgeway Omni Small-Cap Value ETF
    151.76K0.70%
  • Bridgeway Omni Small-Cap Value N
    146.65K0.68%
  • DFA US Small Cap I
    145.52K0.68%
  • DFA US Core Equity 1 I
    137.81K0.64%
  • Dimensional US Targeted Value ETF
    133.99K0.62%
  • DFA US Micro Cap I
    119.53K0.55%

Stock Splits

  • Mar 15, 19962:1