-4.66%
9.21%
18.48%
25.37%
29.76%
0.08%
240.80%
AI Spotlight on CPSS
Company Description
Consumer Portfolio Services, Inc.operates as a specialty finance company in the United States.It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans.
The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems.It serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies.The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders.
and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van.It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois.The company was founded in 1991 and is based in Las Vegas, Nevada.
Market Data
| Last Price | 11.86 |
| Change Percentage | -4.66% |
| Open | 12.53 |
| Previous Close | 12.44 |
| Market Cap ( Millions) | 254 |
| Volume | 199369 |
| Year High | 12.73 |
| Year Low | 7.03 |
| M A 50 | 10.88 |
| M A 200 | 9.6 |
Financial Ratios
| FCF Yield | 87.27% |
| Dividend Yield | 0.00% |
| ROE | 7.59% |
| Debt / Equity | 1089.12% |
| Net Debt / EBIDTA | 1845.34% |
| Price To Book | 0.89 |
| Price Earnings Ratio | 11.91 |
| Price To FCF | 1.15 |
| Price To sales | 0.7 |
| EV / EBITDA | 19.97 |
News
- Jan -22 - CPS Announces $442.4 Million Senior Subordinate Asset-Backed Securitization
- Dec -19 - CPS Announces Credit Facility Capacity Increase
- Nov -04 - Consumer Portfolio Services Partners with SentiLink to Enhance Fraud Prevention
- Nov -02 - Consumer Portfolio Services, Inc (CPSS) Q3 2024 Earnings Call Transcript
- Oct -31 - CPS Announces Third Quarter 2024 Earnings
- Oct -30 - CPS to Host Conference Call on Third Quarter 2024 Earnings
- Oct -07 - Consumer Portfolio Services Leverages Informed.IQ's Dealer Verify to Enhance Loan Processing, Increase Capture Rates, and Improve Dealer Experience
- Sep -17 - CPS Announces $416.82 Million Senior Subordinate Asset-Backed Securitization
- Aug -06 - Consumer Portfolio Services to Present at the 2024 Gateway Conference on September 4
- Jul -31 - Consumer Portfolio Services, Inc (CPSS) Q2 2024 Earnings Call Transcript
- Jul -30 - CPS Announces Second Quarter 2024 Earnings
- Jul -29 - CPS to Host Conference Call on Second Quarter 2024 Earnings
- Jul -11 - CPS Announces Renewal of $200 Million Credit Facility
- Jun -26 - CPS Announces $436.31 Million Senior Subordinate Asset-Backed Securitization
- May -10 - CPS Announces First Quarter 2024 Earnings
- Apr -23 - CPS Announces $319.9 Million Senior Subordinate Asset-Backed Securitization
- Apr -03 - Consumer Portfolio Services Appoints Gateway to Lead Expanded Investor Relations Program
- Apr -01 - CPS Announces Renewal of $200 Million Credit Facility
- Mar -22 - CPS Announces $50.0 Million Securitization of Residual Interests
- Mar -18 - Consumer Portfolio Services, Inc. (CPSS) Q4 2023 Earnings Call Transcript
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail Automobile Installment Sale Contracts
Expected Growth : 8.5 %
What the company do ?
Retail Automobile Installment Sale Contracts from Consumer Portfolio Services, Inc. are financing agreements for vehicle purchases, offering flexible payment plans to consumers with imperfect credit.
Why we expect these perspectives ?
Growing demand for financing options among subprime consumers, increasing vehicle sales, and rising popularity of flexible payment plans drive the growth of Retail Automobile Installment Sale Contracts.
Consumer Portfolio Services, Inc. Products
| Product Range | What is it ? |
|---|---|
| Auto Loans | Consumer Portfolio Services, Inc. offers auto loans to individuals and dealerships, providing financing options for new and used vehicles. |
| Subprime Auto Loans | CPS specializes in subprime auto loans, catering to customers with poor or no credit history, providing them with financing options for vehicle purchases. |
| Floor Plan Financing | CPS provides floor plan financing to dealerships, enabling them to purchase and stock inventory, and manage their cash flow effectively. |
| Portfolio Servicing | CPS offers portfolio servicing, managing and collecting payments on behalf of lenders and investors, ensuring timely and efficient loan servicing. |
Consumer Portfolio Services, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Consumer Portfolio Services, Inc. is medium due to the availability of alternative financial services and products.
Bargaining Power Of Customers
The bargaining power of customers for Consumer Portfolio Services, Inc. is low due to the company's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Consumer Portfolio Services, Inc. is medium due to the company's dependence on a few key suppliers for its operations.
Threat Of New Entrants
The threat of new entrants for Consumer Portfolio Services, Inc. is high due to the relatively low barriers to entry in the financial services industry.
Intensity Of Rivalry
The intensity of rivalry for Consumer Portfolio Services, Inc. is high due to the highly competitive nature of the financial services industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 90.34% |
| Debt Cost | 7.69% |
| Equity Weight | 9.66% |
| Equity Cost | 14.08% |
| WACC | 8.30% |
| Leverage | 935.08% |
Consumer Portfolio Services, Inc. : Quality Control
Consumer Portfolio Services, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NICK | Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and … |
| PMTS | CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid … |
| PRAA | PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved … |
| LC | LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The … |
| MCVT | Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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LendingClub
A-Score
1-Year Total Return ->
🥈
CPI Card Group
A-Score
1-Year Total Return ->
🥉
Consumer Portfolio Services
A-Score
1-Year Total Return ->
4
Nicholas Financial
A-Score
1-Year Total Return ->
5
PRA Group
A-Score
1-Year Total Return ->
6
