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Consumer Portfolio Services CPSS Net debt / EBITDA

Net debt / EBITDA at other companies

PRA Group logo
PRA GroupPRAA
9.9×-1.9×
Onity Group logo
Onity GroupONIT
2.8×+0.2×
Encore Capital Group logo
Encore Capital GroupECPG
5.4×-10.5×
Sonic Automotive logo
Sonic AutomotiveSAH
4.7×+1.5×
Asbury Automotive Group logo
Asbury Automotive GroupABG
4.7×+0.8×
Penske Automotive Group logo
Penske Automotive GroupPAG
3.6×+0.9×

Other financials

Income statement

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Revenue$112.3M+5.1%
Net income$5.5M+18.0%
EPS (diluted)$0.24+26.3%

Balance sheet

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Cash & equivalents$185.4M+1.1%
Total debt$698.6M+24.3%
Total equity$314.4M+5.3%
Total assets$4.1B+10.3%

Cash flow

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Operating cash flow$83.8M+13.4%
CapEx$796.0K+69.0%
Free cash flow$83.0M+13.1%

Valuation

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Market cap$208.74M-2.5%
Enterprise value$721.88M+13.1%
P/E10.4×-0.7×
P/S0.5×0.0×

Profitability

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Net margin4.6%-0.1pp
FCF margin67.7%+5.5pp

Returns & leverage

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Return on equity6.6%-0.1pp
Debt / equity2.2×+0.3×

Where this comes from

Calculated from Consumer Portfolio Services’s reported figures.

net debt/ebitda=1.9×

Based on the most recent quarter.

The official record: Consumer Portfolio Services’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Consumer Portfolio Services's net debt / EBITDA?
Consumer Portfolio Services (CPSS) reported net debt / EBITDA of 1.9× in Q1 2026.
How has Consumer Portfolio Services's net debt / EBITDA changed year-over-year?
Consumer Portfolio Services's net debt / EBITDA increased by 18.1% year-over-year, from 1.6× to 1.9×.
What is the long-term trend for Consumer Portfolio Services's net debt / EBITDA?
Over 4 years (2020 to 2025), Consumer Portfolio Services's net debt / EBITDA has grown at a -16.5% compound annual growth rate (CAGR), from 2.7× to 1.3×.
What does net debt / EBITDA mean?
Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.