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.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	4.6%+0.1pp	4.4%-0.1pp	4.5%-0.1pp	4.6%-0.1pp	4.7%-0.2pp
EBITDA margin	60.7%+0.7pp	60.1%+1.0pp	59.1%+1.1pp	58%+1.0pp	57%+1.2pp
Free cash flow margin	67.7%+1.4pp	66.4%+1.2pp	65.2%+2.4pp	62.8%+0.6pp	62.2%+2.9pp
Returns
Return on equity	6.6%—	——	6.6%-0.1pp	6.7%0.0pp	6.7%—
Return on assets	0.5%0.0pp	0.5%0.0pp	0.5%0.0pp	0.6%0.0pp	0.6%0.0pp
Return on invested capital	24.4%-9.4pp	33.8%-4.5pp	38.3%+2.4pp	35.8%+8.4pp	27.4%-8.4pp
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×+0.5×	1.7×0.0×	1.7×-0.2×	1.9×0.0×	1.9×—
Debt-to-assets	0.2×0.0×	0.1×0.0×	0.1×0.0×	0.2×0.0×	0.2×0.0×
Net debt / EBITDA	1.9×+0.6×	1.3×-0.1×	1.5×-0.3×	1.7×+0.1×	1.6×-0.2×
Interest coverage	1.1×0.0×	1.1×0.0×	1.1×0.0×	1.1×0.0×	1.1×0.0×
Per Share
Book value per share	$13.36+3.9%	$12.85+0.5%	$12.79+2.0%	$12.54+2.2%	$12.27—
Valuation
Market capitalization	$208.74M-2.5%	$205.92M+22.7%	$167.79M-21.2%	$213.01M+14.6%	$185.91M-20.0%
Enterprise value	$721.88M+13.1%	$554.08M+2.9%	$538.5M-15.5%	$637.1M+12.9%	$564.37M-11.4%
Price / earnings	10.4×-0.7×	10.7×+2.0×	8.6×-2.4×	11×+1.3×	9.6×-2.5×
Price / sales	0.5×0.0×	0.5×+0.1×	0.4×-0.1×	0.5×0.0×	0.5×-0.1×
Price / book	0.7×0.0×	0.7×+0.1×	0.5×-0.2×	0.7×+0.1×	0.6×—
EV / EBITDA	2.7×+0.1×	2.1×0.0×	2.1×-0.5×	2.6×+0.2×	2.4×-0.5×
EV / sales	1.6×+0.1×	1.3×0.0×	1.3×-0.3×	1.5×+0.1×	1.4×-0.2×
Free cash flow yield	142.7%+18.8pp	140%-27.2pp	167.2%+42.6pp	124.6%-12.1pp	136.7%+36.3pp
Earnings yield	9.7%+0.6pp	9.4%-2.2pp	11.6%+2.5pp	9.1%-1.3pp	10.4%+2.1pp
PEG ratio	2.3×—	16.8×—	——	——	——

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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.