Consumer Portfolio Services Inc (CPSS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Consumer Portfolio Services Inc stock (CPSS) is currently trading at $7.72. Consumer Portfolio Services Inc PE ratio is 9.84. Consumer Portfolio Services Inc PS ratio (Price-to-Sales) is 0.87. Analyst consensus price target for CPSS is $14.00. WallStSmart rates CPSS as Hold.
- CPSS PE ratio analysis and historical PE chart
- CPSS PS ratio (Price-to-Sales) history and trend
- CPSS intrinsic value — DCF, Graham Number, EPV models
- CPSS stock price prediction 2025 2026 2027 2028 2029 2030
- CPSS fair value vs current price
- CPSS insider transactions and insider buying
- Is CPSS undervalued or overvalued?
- Consumer Portfolio Services Inc financial analysis — revenue, earnings, cash flow
- CPSS Piotroski F-Score and Altman Z-Score
- CPSS analyst price target and Smart Rating
Consumer Portfolio Services Inc
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CPSS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Consumer Portfolio Services Inc (CPSS)
CPSS trades 56% above its Graham fair value of $5.44, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Consumer Portfolio Services Inc (CPSS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Consumer Portfolio Services Inc (CPSS) Key Strengths (3)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Consumer Portfolio Services Inc (CPSS) Areas to Watch (6)
Revenue growing slowly at 4.90% annually
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Thin profit margins with limited profitability
Moderate institutional interest at 46.87%
Supporting Valuation Data
Consumer Portfolio Services Inc (CPSS) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Price/Book. Valuation metrics including PEG Ratio (0.33), Price/Sales (0.87), Price/Book (0.55) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Growth concerns include Revenue Growth at 4.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.42%, Operating Margin at 14.30%, Profit Margin at 9.72%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.42% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Sales) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CPSS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CPSS's Price-to-Sales ratio of 0.87x trades 124% above its historical average of 0.39x (93th percentile), historically expensive. The current valuation is 37% below its historical high of 1.38x set in Mar 2013, and 2810% above its historical low of 0.03x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Consumer Portfolio Services Inc (CPSS) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Consumer Portfolio Services Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 199M with 5% growth year-over-year. Profit margins are thin at 9.7%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 75M in free cash flow and 76M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Consumer Portfolio Services Inc push profit margins above 15% as the business scales?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Consumer Portfolio Services Inc.
Bottom Line
Consumer Portfolio Services Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(3 last 3 months)
| Insider | Type | Shares |
|---|---|---|
WOOD, DANIEL S Director | Sell | -20,000 |
| Insider | Type | Shares |
|---|---|---|
BHARWANI, DENESH Exec. Vice President | Sell | -9,000 |
| Insider | Type | Shares |
|---|---|---|
ROBINSON, TERI Exec. Vice President | Sell | -660 |
Data sourced from SEC Form 4 filings
Last updated: 11:35:49 AM
About Consumer Portfolio Services Inc(CPSS)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Consumer Portfolio Services, Inc. is a specialized finance company in the United States. The company is headquartered in Las Vegas, Nevada.