Consumer Portfolio Service Inc
Research Consumer Portfolio Service Inc (CPSS) on Bullrun: valuation model: 1.4% overvalued, market cap USD 200.65M, P/E 10.2. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCPSS
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal1.4% overvalued
- Market capUSD 200.65M
- P/E10.2
- Financial periodQ2 2026
- RevenueUSD 57.14M
- Net incomeUSD 6.23M
- Free cash flowUSD 105.92M
Valuation Snapshot
Bullrun's latest valuation model marks Consumer Portfolio Service Inc as 1.4% overvalued; latest market cap is USD 200.65M; P/E is 10.2.
Peer valuation comparison
Latest P/E is 10.18x versus a Financial Services sector median of 13.84x (26.4% below).
Latest P/E is 10.18x versus a United States median of 24.87x (59.0% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 434.47M | USD 19.33M | USD 288.29M | n/a | 0.8 | USD 6.32M | USD 3.48B | USD 309.54M |
| FY2024 | USD 393.51M | USD 19.20M | USD 233.32M | n/a | 0.79 | USD 11.71M | USD 3.13B | USD 0 |
| FY2023 | USD 352.01M | USD 45.34M | USD 237.42M | n/a | 1.8 | USD 6.17M | USD 2.57B | USD 274.67M |
| FY2022 | USD 329.71M | USD 85.98M | USD 213.78M | n/a | 3.23 | USD 13.49M | USD 2.24B | USD 228.39M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 200.65M | 10.2 | n/a | n/a |
| 2025 | 2025-12-31 | USD 203.79M | 11.7 | n/a | n/a |
| 2024 | 2024-12-31 | USD 232.76M | 13.7 | n/a | n/a |
| 2023 | 2023-12-29 | USD 197.90M | 4.5 | n/a | n/a |
| 2022 | 2022-12-30 | USD 180.89M | 2.7 | n/a | n/a |
| 2021 | 2021-12-31 | USD 250.55M | 6.5 | n/a | n/a |
About Consumer Portfolio Service Inc
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.
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Frequently asked questions
Is Consumer Portfolio Service Inc overvalued or undervalued?
Bullrun's valuation model currently marks Consumer Portfolio Service Inc as 1.4% overvalued.
What is Consumer Portfolio Service Inc's market cap?
Consumer Portfolio Service Inc's market capitalization is USD 200.65M.
What is Consumer Portfolio Service Inc's P/E ratio?
Consumer Portfolio Service Inc's price-to-earnings (P/E) ratio is 10.2.
What does Consumer Portfolio Service Inc do?
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.