Consumer Portfolio Services CPSS Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 4.6%-0.1pp | 4.4%-0.4pp | 4.5%-1.1pp | 4.6%-2.6pp | 4.7%-5.3pp | |
| Returns | ||||||
| Return on equity | 6.6%-0.1pp | —— | 6.6%-1.1pp | 6.7%-3.4pp | 6.7%-7.2pp | |
| Return on invested capital | 24.4%-3.0pp | 33.8%-2.0pp | 38.3%+18.8pp | 35.8%+7.9pp | 27.4%+8.5pp | |
| Efficiency | ||||||
| Asset turnover | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 2.2×+0.3× | 1.7×— | 1.7×+0.9× | 1.9×+1.2× | 1.9×+0.5× | |
| Net debt / EBITDA | 1.9×+0.3× | 1.3×-0.5× | 1.5×+1.7× | 1.7×+2.0× | 1.6×+0.5× | |
| Per Share | ||||||
| Book value per share | $13.36+8.9% | $12.85— | $12.79+8.4% | $12.54+8.5% | $12.27+8.1% | |
| Valuation | ||||||
| Market capitalization | $208.74M-2.5% | $205.92M-11.4% | $167.79M-16.1% | $213.01M+3.4% | $185.91M+16.4% | |
| Price / earnings | 10.4×-0.7× | 10.7×-1.4× | 8.6×-0.8× | 11×+3.3× | 9.6×+5.2× | |
| Price / sales | 0.5×0.0× | 0.5×-0.1× | 0.4×-0.1× | 0.5×-0.1× | 0.5×0.0× | |
| Price / book | 0.7×0.0× | 0.7×— | 0.5×-0.2× | 0.7×0.0× | 0.6×+0.1× | |
| EV / EBITDA | 2.7×+0.1× | 2.1×-0.8× | 2.1×+1.4× | 2.6×+1.9× | 2.4×+0.6× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Consumer Portfolio Services's ratios come from?
- Every ratio is computed from Consumer Portfolio Services's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
