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About the company
Consumer Portfolio Services, Inc. is a specialty finance company. Its business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. It serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. It also originates vehicle purchase money loans by lending directly to consumers. It offers over eight different financing programs and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha, Preferred, and Meta.
- Revenue in USD (TTM)389.14m
- Net income in USD19.31m
- Incorporated1991
- Employees943.00
- LocationConsumer Portfolio Services Inc3800 Howard Hughes Pkwy, Suite 1400LAS VEGAS 89169United StatesUSA
- Phone+1 (949) 753-6800
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CNFinance Holdings Ltd - ADR | 223.10m | 5.27m | 54.87m | 691.00 | 8.59 | 0.097 | -- | 0.246 | 0.0932 | 0.0932 | 3.25 | 8.25 | 0.102 | -- | -- | 322,870.60 | 0.2407 | 0.7243 | 0.2645 | 0.7647 | 34.57 | 36.19 | 2.36 | 5.93 | -- | -- | 0.652 | 0.00 | -12.86 | -12.38 | -77.05 | -41.14 | 12.34 | -- |
| Fifth District Bancorp Inc | 20.19m | 132.00k | 71.77m | 67.00 | 518.47 | 0.564 | 86.37 | 5.93 | 0.0249 | 0.0249 | 2.22 | 22.89 | -- | -- | -- | -- | 0.026 | -- | -- | -- | -- | -- | 1.09 | -- | -- | -- | -- | -- | 17.45 | -- | -235.18 | -- | -- | -- |
| Favo Capital Inc | 1.84m | -2.05m | 87.73m | 0.00 | -- | -- | -- | 47.74 | -0.0972 | -0.0972 | 0.0867 | -0.0691 | 1.05 | -- | 1.53 | -- | -117.26 | -- | -- | -- | -2.23 | -- | -111.48 | -- | -- | -3.89 | 1.79 | -- | 1,753.39 | -- | -486.71 | -- | -- | -- |
| Vroom Inc | 127.62m | -54.92m | 151.03m | 704.00 | -- | 0.952 | -- | 1.18 | -43.85 | -46.02 | 48.06 | 30.72 | 0.1154 | -- | 9.48 | 181,272.70 | -4.97 | -15.61 | -7.16 | -22.18 | 54.25 | 9.24 | -43.04 | -18.66 | -- | -16.60 | 0.8291 | -- | 16.23 | -38.10 | -62.45 | -- | -0.2335 | -- |
| California First Leasing Corp | 3.87m | 4.59m | 176.88m | 98.00 | 38.61 | -- | 17.90 | 45.66 | 0.4921 | 0.4921 | 0.4161 | -- | -- | -- | -- | -- | -- | 5.79 | -- | 6.38 | -- | -- | 118.46 | 78.46 | -- | -- | -- | 28.46 | 128.19 | 27.53 | 99.08 | 37.54 | -- | -- |
| Better Home & Finance Holding Co | 141.92m | -205.36m | 216.82m | 1.25k | -- | -- | -- | 1.53 | -13.57 | -13.57 | 9.38 | -6.73 | 0.1537 | -- | 7.06 | 113,537.60 | -22.24 | -- | -28.96 | -- | 83.70 | 31.63 | -144.70 | -61.85 | -- | -- | 1.11 | -- | 25.05 | 5.96 | 61.54 | -- | -5.63 | -- |
| Consumer Portfolio Services Inc | 389.14m | 19.31m | 217.11m | 943.00 | 12.65 | 0.7256 | 10.75 | 0.5579 | 0.796 | 0.796 | 16.04 | 13.88 | 0.1165 | -- | 39.40 | 417,081.50 | 0.578 | 1.69 | 0.5917 | 1.73 | 47.52 | 62.37 | 4.96 | 13.73 | -- | -- | 0.9171 | -- | 9.56 | 1.50 | -57.65 | 28.85 | -10.43 | -- |
| CPI Card Group Inc | 491.43m | 18.84m | 259.47m | 1.50k | 14.53 | -- | 7.31 | 0.528 | 1.58 | 1.58 | 41.30 | -2.63 | 1.46 | 4.05 | 6.82 | 327,617.30 | 5.61 | 7.98 | 7.08 | 10.12 | 34.67 | 36.12 | 3.83 | 5.37 | 1.80 | 1.78 | 1.12 | 0.00 | 8.11 | 11.56 | -18.61 | -- | 17.26 | -- |
| Oportun Financial Corp | 321.87m | -42.48m | 306.22m | 1.52k | -- | 0.715 | 46.33 | 0.9514 | -1.12 | -1.12 | 7.59 | 9.76 | 0.099 | -- | -- | 139,215.40 | -1.31 | -2.26 | -1.34 | -2.35 | -- | -- | -13.20 | -15.97 | -- | -- | 0.884 | -- | 5.18 | -7.77 | 56.28 | -- | -5.20 | -- |
| Regional Management Corp | 597.16m | 33.03m | 330.36m | 2.13k | 10.11 | 0.9388 | 7.00 | 0.5532 | 3.29 | 3.29 | 59.56 | 35.47 | 0.3266 | -- | -- | 280,226.20 | 1.81 | 2.94 | 1.88 | 3.53 | -- | -- | 5.53 | 9.14 | -- | 1.56 | 0.8042 | 21.56 | 6.73 | 10.59 | 158.35 | -1.62 | 18.62 | -- |
| Loandepot Inc | 1.47bn | -85.97m | 501.46m | 4.90k | -- | 1.91 | -- | 0.342 | -0.4534 | -0.4534 | 6.45 | 0.797 | 0.2326 | -- | -- | 299,253.90 | -2.72 | 3.86 | -6.84 | -- | 81.28 | 87.58 | -11.69 | 11.83 | -- | 0.5364 | 0.9057 | -- | 10.17 | -2.20 | 10.72 | -- | 16.02 | -- |
| Yiren Digital Ltd - ADR | 833.80m | 187.31m | 523.62m | 949.00 | 2.82 | 0.3852 | 2.78 | 0.628 | 2.15 | 2.15 | 9.57 | 15.73 | 0.4932 | -- | 10.02 | 878,608.30 | 11.08 | 11.66 | 13.27 | 15.11 | 85.38 | 80.06 | 22.46 | 23.02 | -- | -- | 0.00 | -- | 18.59 | -7.93 | -23.94 | 6.49 | -28.16 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 1.53m | 7.17% |
| BlackRock Fund Advisorsas of 31 Mar 2025 | 558.19k | 2.61% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 520.91k | 2.43% |
| Renaissance Technologies LLCas of 31 Mar 2025 | 402.06k | 1.88% |
| Bridgeway Capital Management LLCas of 31 Mar 2025 | 393.16k | 1.84% |
| Geode Capital Management LLCas of 31 Mar 2025 | 195.99k | 0.92% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 192.61k | 0.90% |
| Pacific Investment Management Co. LLCas of 31 Mar 2025 | 160.04k | 0.75% |
| Empowered Funds LLCas of 31 Mar 2025 | 150.81k | 0.71% |
| Verity & Verity LLCas of 31 Mar 2025 | 120.51k | 0.56% |
