NASDAQ · Financial - Credit Services

CPSS (CPSS) Stock

$9.16 -3.02% NASDAQ: CPSS Financial Services

Valuation

MetricValue
Price$9.16
Market Cap$198.87M
P/E Ratio11.96
P/B Ratio0.67
P/S Ratio0.47
EPS (TTM)$0.00
52-Week High$10.49
52-Week Low$6.67
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE6.13%
ROA0.49%
ROCE84.14%
Gross Margin60.75%
Operating Margin60.75%
Net Margin4.58%
Debt/Equity11.74
Current Ratio0.43

Annual Financials (USD)

Metric20212022202320242025
Revenue$268.0M$330.0M$352.0M$394.0M$428.0M
Operating Profit$66.0M$116.0M$61.0M$27.0M$260.0M
Net Profit$48.0M$86.0M$45.0M$19.0M$19.0M
EPS$1.84$3.23$1.80$0.79$0.80
Op Margin24.6%35.2%17.4%7.0%60.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.2B$2.8B$2.9B$3.5B$3.9B
Total Liabilities$2.0B$2.5B$2.6B$3.2B$3.5B
Cash$177.0M$163.0M$125.0M$137.0M$6.0M
Borrowings$2.0B$2.5B$2.6B$3.2B$3.5B

Latest News

Consumer Portfolio Services Secures Higher Credit Facility Limit MT Newswires · Jul 9, 2026 CPS Announces Renewal And Capacity Increase Of Credit Facility GlobeNewswire · Jul 9, 2026 Consumer Portfolio Services Q1 Earnings Call Highlights MarketBeat · May 6, 2026 Consumer Portfolio Services: Q1 Earnings Snapshot Associated Press · May 5, 2026 CPS Announces First Quarter 2026 Earnings GlobeNewswire · May 5, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$198.0M$216.0M$238.0M$234.0M$289.0M
Investing Cash Flow$-117.0M$-716.0M$-360.0M$-770.0M$-591.0M
Financing Cash Flow$-27.0M$-43.0M$-12.0M$-22.0M$-9.0M
Net Cash Flow$32.0M$-14.0M$-37.0M$12.0M$35.0M
Free Cash Flow$196.0M$214.0M$237.0M$233.0M$289.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA14.21
FCF Yield143.50%
Quick Ratio1.53
Interest Coverage1.12
Return 1Y3.29%
Return 3Y-23.21%
Return 5Y108.79%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ATLO $30.46 +0.23% 13.45 $269.79M 2.92%
CURRCurrenc Group, Inc. $3.26 +0.46% -9.57 $249.25M 0.00%
EFSI $39.97 -1.26% 11.20 $216.33M 2.92%
LPRO $3.15 +0.32% -45.75 $372.71M 0.00%
MFIN $9.93 +0.10% 5.34 $229.51M 5.35%

About CPSS

CPSS is led by CEO Charles E. Bradley Jr., employs 943 people, headquartered in US, publicly traded since 1992.

CPSS stock trades at $9.16 with a market capitalization of $198.87M. The stock is valued at a price-to-earnings (P/E) ratio of 11.96, price-to-book of 0.67, price-to-sales of 0.47. Over the past 52 weeks the stock has ranged between $6.67 and $10.49, and currently trades 12.7% below its 52-week high.

On profitability, CPSS generates a return on equity (ROE) of 6.13%, return on capital employed of 84.14%, an operating margin of 60.75%, a net profit margin of 4.58%.

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