US · CPSS
Consumer Portfolio Services, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Las Vegas, NV 89169
- Website
- consumerportfolio.com
Price · as of 2024-12-31
$9.49
Market cap 178.78M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $171.21 | +1,704.11% |
| Intrinsic Value(DCF) | $3.76 | -60.38% |
| Graham-Dodd Method(GD) | $18.26 | +92.41% |
| Graham Formula(GF) | $17.51 | +84.53% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $1.20 | $66.07 | $0.00 | $0.00 | $40.13 |
| 2011 | $1.41 | $74.09 | $0.00 | $0.00 | $0.00 |
| 2012 | $8.71 | $48.36 | $0.00 | $20.97 | $133.99 |
| 2013 | $8.01 | $51.96 | $33.70 | $9.27 | $36.66 |
| 2014 | $7.23 | $93.82 | $92.26 | $10.98 | $35.06 |
| 2015 | $4.14 | $86.87 | $89.64 | $12.90 | $37.99 |
| 2016 | $5.16 | $108.24 | $88.32 | $13.66 | $28.42 |
| 2017 | $3.82 | $109.30 | $25.45 | $8.94 | $1.79 |
| 2018 | $4.20 | $96.85 | $0.00 | $12.34 | $0.00 |
| 2019 | $3.52 | $100.26 | $0.00 | $10.25 | $0.00 |
| 2020 | $4.21 | $92.44 | $0.00 | $10.69 | $0.00 |
| 2021 | $10.95 | $129.33 | $0.00 | $18.08 | $14.71 |
| 2022 | $9.41 | $151.80 | $0.71 | $31.41 | $124.40 |
| 2023 | $8.37 | $149.62 | $0.00 | $23.99 | $31.76 |
| 2024 | $9.41 | $171.21 | $0.00 | $18.26 | $17.51 |
AI valuation
Our deep-learning model estimates Consumer Portfolio Services, Inc.'s (CPSS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $171.21
- Current price
- $9.49
- AI upside
- +1,704.11%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$3.76
-60.38% upside
Graham-Dodd
$18.26
+92.41% upside
Graham Formula
$17.51
+84.53% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CPSS | Consumer Portfolio Servic… | $9.49 | 178.78M | +1,704% | -60% | +92% | +85% | 10.43 | 0.68 | 0.51 | 113.81 | — | 0.68 | 52.75% | 6.97% | 4.88% | 6.77% | 0.64% | 0.60% | 10.78 | 0.14 | — | — | 106.73 | -5611.00% | 1179.00% | -173.00% | 116.45% | — | 7.74% | 0.00% | 0.00% | 6.40% | 117.38 | 13.80 | 8.18 | 0.28 |
| ATLO | Ames National Corporation | $27.01 | 240.18M | +34% | +34% | -68% | -23% | 15.72 | 0.92 | 1.74 | -3.03 | — | 1.00 | 58.65% | 13.24% | 11.05% | 6.00% | -4.10% | 0.48% | 0.57 | 0.33 | 0.17 | 0.17 | -0.58 | -500.00% | 1069.00% | -218.00% | 8.72% | 0.01 | -5.62% | 5.65% | 88.90% | 73.72% | -3.45 | -3.01 | -0.46 | -0.66 |
| CURR | Currenc Group, Inc. | $2.09 | 160.12M | +2,243% | +53% | — | +104% | -2.18 | -1.30 | 1.85 | -1.68 | -0.56 | -1.05 | 31.42% | -58.96% | -85.01% | 61.32% | 29.29% | -31.59% | -0.34 | -3.22 | 0.61 | 0.56 | 1.56 | 39048.00% | -1281.00% | -11845.00% | 3.35% | 0.02 | -3.07% | 0.00% | 0.00% | 28.84% | -1.63 | 15.50 | 0.96 | -2.40 |
| EFSI | Eagle Financial Services,… | $34.71 | 186.61M | -26% | +2% | +6% | +125% | 7.21 | 0.93 | 1.05 | 4.20 | 11.56 | 0.93 | 59.74% | 17.84% | 14.48% | 13.50% | 21.15% | 0.83% | 1.26 | 0.47 | 0.11 | 0.11 | -1.32 | 6241.00% | 1043.00% | 20570.00% | 16.03% | 0.01 | 24.46% | 3.88% | 28.00% | 102.19% | 4.42 | 4.71 | 0.79 | -0.70 |
| LPRO | Open Lending Corporation | $1.33 | 157.19M | +2,887% | +44% | — | +5,693% | -4.21 | 7.28 | 23.66 | -9.09 | — | 7.82 | 0.70% | -272.14% | -561.98% | -95.19% | -141.83% | -40.28% | 1.84 | -5.78 | 5.84 | 5.54 | 1.93 | -72778.00% | -7955.00% | -7834.00% | 3.07% | 0.37 | 37.82% | 0.00% | 0.00% | 1.29% | -7.18 | 26.91 | 19.53 | 0.29 |
| MFIN | Medallion Financial Corp. | $10.09 | 234.89M | +294% | +102% | +13% | +248% | 4.48 | 0.51 | 0.64 | 5.43 | — | 0.94 | 43.57% | 21.57% | 12.30% | 11.76% | 8.01% | 1.54% | 0.78 | 0.71 | 0.05 | 0.05 | 2.75 | -3586.00% | 1465.00% | 154.00% | 61.50% | 0.05 | 22.07% | 5.00% | 22.40% | 12.84% | 5.96 | 3.25 | 1.29 | -0.57 |
| MNSB | MainStreet Bancshares, In… | $22.20 | 166.42M | +779% | -12% | +75% | -38% | 10.89 | 0.78 | 1.25 | 8.29 | — | 0.78 | 54.39% | 14.05% | 11.49% | 7.32% | 7.11% | 0.70% | 0.32 | 0.31 | — | — | 2.34 | -21000.00% | -144.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 8.29 | — | 1.16 | 0.25 |
| NKSH | National Bankshares, Inc. | $37.55 | 239.04M | +3% | -24% | -81% | -23% | 21.06 | 1.03 | 2.03 | 1.86 | — | 1.12 | 55.80% | 11.53% | 9.64% | 5.13% | -2.77% | 0.44% | 0.00 | 0.27 | 0.09 | 0.09 | -10.51 | -5338.00% | 1597.00% | -5594.00% | 3.85% | 0.01 | -2.25% | 5.77% | 121.50% | 18.99% | 2.09 | 3.08 | 0.24 | -0.72 |
| PMTS | CPI Card Group Inc. | $12.27 | 139.67M | +403% | +101% | -89% | +128% | 16.11 | -8.83 | 0.65 | 7.20 | — | -3.37 | 35.63% | 13.07% | 4.06% | -44.59% | 22.87% | 6.07% | -8.13 | 1.84 | 2.69 | 1.57 | 3.23 | -1841.00% | 811.00% | 2323.00% | 10.83% | 0.57 | 15.90% | 0.00% | 0.00% | 4.02% | 9.08 | 16.75 | 1.19 | 3.17 |
| SNFCA | Security National Financi… | $9.06 | 202.93M | +314% | +18% | +121% | — | 10.43 | 0.82 | 33.77 | 3.63 | 14.13 | 0.85 | 48.07% | 416.29% | 323.91% | 8.14% | 37.02% | 1.82% | 0.32 | 8.02 | 17.88 | 17.88 | -0.72 | 7377.00% | -1420.00% | 395.00% | 19.83% | 4.24 | 76.52% | 0.00% | 0.00% | 5.59% | 5.02 | 3.12 | 20.91 | 0.62 |
| SWKH | SWK Holdings Corporation | $16.42 | 199.46M | +20% | -76% | +75% | +76% | 8.88 | 0.42 | 2.66 | 6.09 | — | 0.42 | 95.10% | 25.75% | 29.98% | 4.74% | 2.66% | 4.05% | 0.13 | 2.47 | 3.64 | 2.11 | 1.28 | -1360.00% | 1914.00% | 5919.00% | 19.12% | 4.14 | 7.17% | 0.00% | 0.00% | 10.79% | 13.08 | 6.61 | 3.37 | -15.45 |
About Consumer Portfolio Services, Inc.
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.
- CEO
- Charles E. Bradley Jr.
- Employees
- 943
- Beta
- 1.04
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($3.76 ÷ $9.49) − 1 = -60.38% (DCF, example).