Consumer Portfolio Services CPSS Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 4.4%-0.4pp | 4.9%-8.0pp | 12.9%-13.2pp | 26.1%+8.3pp | |
| EBITDA margin | 60.1%+4.3pp | 55.8%-3.5pp | 59.3%-3.0pp | 62.3%— | |
| Free cash flow margin | 66.4%+7.1pp | 59.3%-8.2pp | 67.4%+2.6pp | 64.8%-8.4pp | |
| Returns | |||||
| Return on assets | 0.5%-0.1pp | 0.6%-1.0pp | 1.6%-1.9pp | 3.5%+1.3pp | |
| Return on invested capital | 33.8%-2.0pp | 35.8%+1.0pp | 34.8%-13.4pp | 48.2%— | |
| Efficiency | |||||
| Asset turnover | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Leverage | |||||
| Debt-to-equity | 1.7×— | —— | 1.1×-0.5× | 1.6×+0.5× | |
| Debt-to-assets | 0.1×0.0× | 0.2×+0.1× | 0.1×0.0× | 0.1×0.0× | |
| Net debt / EBITDA | 1.3×-0.5× | 1.8×+1.0× | 0.8×-0.2× | 1×— | |
| Interest coverage | 1.1×0.0× | 1.1×-0.3× | 1.4×-0.9× | 2.3×— | |
| Per Share | |||||
| Book value per share | $12.85— | $0.00-100% | $10.89+26.8% | $8.59+30.1% | |
| Valuation | |||||
| Market capitalization | $208.74M-2.5% | $232.46M+17.5% | $197.9M+9.4% | $180.89M-27.6% | |
| Enterprise value | $721.88M+13.1% | $636.75M+70.1% | $374.28M-3.4% | $387.65M+43.5% | |
| Price / earnings | 10.4×-0.7× | 12.1×+7.7× | 4.4×+2.3× | 2.1×-3.2× | |
| Price / sales | 0.5×0.0× | 0.6×0.0× | 0.6×0.0× | 0.5×-0.4× | |
| Price / book | 0.7×0.0× | —— | 0.7×-0.1× | 0.8×-0.7× | |
| EV / EBITDA | 2.7×+0.1× | 2.9×+1.1× | 1.8×-0.1× | 1.9×— | |
| EV / sales | 1.6×+0.1× | 1.6×+0.6× | 1.1×-0.1× | 1.2×+0.2× | |
| Free cash flow yield | 142.7%+18.8pp | 100.4%-19.6pp | 120%+1.8pp | 118.2%+39.6pp | |
| Earnings yield | 9.7%+0.6pp | 8.3%-14.7pp | 22.9%-24.6pp | 47.5%+28.5pp | |
| PEG ratio | 2.3×— | —— | —— | 0×0.0× |
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.
