CPSS
Consumer Portfolio Services Inc
NASDAQ: CPSS · FINANCIAL SERVICES · CREDIT SERVICES
$9.63
+2.17% today
Updated 2026-06-05
Market cap
$200.28M
P/E ratio
10.86
P/S ratio
0.98x
EPS (TTM)
$0.85
Dividend yield
—
52W range
$7 – $10
Volume
0.0M
WallStSmart proprietary scores
67
out of 100
Grade: B
Buy
Investment rating
6.7
Growth
B4.0
Quality
C5.5
Profitability
C+8.3
Valuation
A4/9
Piotroski F-Score
Moderate
0.5
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$14.00
+45.38%
12-Month target
$7.62
-20.87%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Free cash flow $82.98M — positive
Risks
- Altman Z 0.49 — distress zone
- Debt/equity 11.74x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $329.71M | $352.01M | $393.51M | $427.97M | $202.70M |
| Net income | $85.98M | $45.34M | $19.20M | $19.32M | $5.54M |
| EPS | — | — | — | — | $0.85 |
| Free cash flow | $213.78M | $237.42M | $233.32M | $288.29M | $82.98M |
| Profit margin | 26.08% | 12.88% | 4.88% | 4.52% | 9.95% |
Peer comparison
Smart narrative
Consumer Portfolio Services Inc trades at $9.63. representing a P/E of 10.86x trailing earnings. Our Smart Value Score of 67/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 0.49, it sits in the distress. TTM revenue stands at $202.70M. with profit margins at 9.95%.
Frequently asked questions
What is Consumer Portfolio Services Inc's stock price?
Consumer Portfolio Services Inc (CPSS) trades at $9.63, on a P/E of 10.9x and a P/S of 1.0x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Consumer Portfolio Services Inc overvalued?
Consumer Portfolio Services Inc carries a Smart Value Score of 67/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Consumer Portfolio Services Inc (CPSS)?
The 12-month analyst consensus target is $14.00, about 45.4% above the current $9.63. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Consumer Portfolio Services Inc's revenue?
Consumer Portfolio Services Inc's trailing twelve-month revenue is $202.70M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Consumer Portfolio Services Inc's Altman Z-Score is 0.49, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio0.98x
ROE6.58%
Beta1.13
50D MA$8.99
200D MA$8.51
Shares out0.02B
Float0.01B
Short ratio—
Avg volume0.0M
Performance
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