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About the company
Consumer Portfolio Services, Inc. is a specialty finance company. The Company’s 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 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 and Preferred.
- Revenue in USD (TTM)314.43m
- Net income in USD85.98m
- Incorporated1991
- Employees792.00
- LocationConsumer Portfolio Services Inc19500 Jamboree RdIRVINE 92612United StatesUSA
- Phone+1 (949) 753-6800
- Websitehttps://www.consumerportfolio.com/
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Peer analysis
Key Information
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Starbox Group Holdings Ltd | 7.19m | 3.60m | 149.28m | 21.00 | 37.03 | 6.48 | 40.25 | 20.75 | 0.0889 | 0.0889 | 0.1682 | 0.5079 | -- | -- | -- | 342,580.50 | -- | -- | -- | -- | 79.98 | -- | 50.07 | -- | -- | -- | 0.0003 | -- | 127.22 | -- | 148.84 | -- | -- | -- |
| X Financial | 499.05m | 97.00m | 150.85m | 424.00 | 1.58 | 0.2289 | -- | 0.3023 | 1.74 | 1.74 | 8.95 | 12.01 | 0.432 | -- | 3.79 | 1,177,001.00 | 8.28 | 5.18 | 9.83 | 8.04 | 43.92 | 46.50 | 19.16 | 10.49 | -- | 33.99 | 0.3647 | -- | 65.37 | 73.55 | 163.08 | -- | -5.22 | -- |
| California First Leasing Corp | -100.00bn | -100.00bn | 152.34m | 98.00 | -- | 0.7399 | -- | -- | -- | -- | -- | 21.22 | -- | -- | -- | -- | -- | 2.30 | -- | 3.56 | -- | -- | -- | 52.53 | -- | -- | 0.0008 | 69.44 | -137.65 | -- | -134.95 | -- | -- | 4.01 |
| CNFinance Holdings Ltd - ADR | 278.37m | 20.04m | 154.31m | 901.00 | 8.59 | 0.3101 | -- | 0.5543 | 0.2618 | 0.2618 | 3.53 | 7.26 | 0.1326 | -- | -- | -- | 0.9543 | 2.27 | 0.9745 | 2.59 | 42.23 | 45.68 | 7.20 | 13.53 | -- | -- | 0.6684 | -- | 32.66 | -11.53 | 111.24 | -23.70 | -- | -- |
| Angel Oak Mortgage REIT Inc | 52.52m | -187.85m | 180.46m | 400.00 | -- | 0.7631 | -- | 3.44 | -7.66 | -7.66 | 2.14 | 9.49 | 0.019 | -- | 2.42 | 131,300.00 | -6.80 | -- | -9.78 | -- | 94.03 | -- | -357.64 | -- | -- | 0.0942 | 0.8776 | -- | 7.01 | -- | -990.35 | -- | -- | -- |
| Paysign Inc | 38.03m | 1.03m | 188.87m | 110.00 | 190.58 | 11.57 | 47.97 | 4.97 | 0.0189 | 0.0189 | 0.7214 | 0.3113 | 0.3956 | -- | 9.42 | 345,760.60 | 1.07 | -0.2619 | 5.67 | -1.07 | 55.09 | 50.50 | 2.70 | -0.5351 | -- | -- | 0.00 | -- | 29.08 | 20.08 | 137.77 | -10.51 | 21.91 | -- |
| Ocwen Financial Corp | 953.90m | 25.60m | 192.10m | 4.90k | 32.76 | 0.4206 | 4.83 | 0.2014 | 0.779 | 0.7921 | 107.51 | 60.68 | 0.0777 | -- | 7.33 | 194,673.50 | 0.2086 | -0.5349 | 0.2133 | -0.5494 | 93.20 | 78.02 | 2.68 | -5.50 | -- | 3.37 | 0.9609 | -- | -9.16 | -4.40 | 369.98 | -- | 80.44 | -- |
| MCAP Inc | 2.14m | -1.34m | 197.54m | 7.00 | -- | 1.04 | -- | 92.49 | -47.87 | -47.87 | 76.29 | 8.16 | 0.9878 | -- | 1,249.04 | 266,982.50 | -62.09 | -9.16 | -67.82 | -11.22 | 11.39 | -1.37 | -62.86 | -18.14 | -- | -- | 0.905 | -- | -100.00 | -- | -682.79 | -- | -- | -- |
| Consumer Portfolio Services, Inc. | 314.43m | 85.98m | 203.09m | 792.00 | 3.08 | 0.8718 | 2.32 | 0.6459 | 3.21 | 3.21 | 11.83 | 11.34 | 0.128 | -- | 2.55 | 397,002.50 | 3.50 | 1.47 | 3.57 | 1.50 | 72.16 | 70.66 | 27.35 | 10.81 | -- | -- | 0.9153 | 0.00 | 15.50 | -6.26 | 80.93 | 35.42 | 26.29 | -- |
| SWK Holdings Corp | 46.64m | 16.99m | 228.97m | 33.00 | 13.51 | 0.8263 | 11.62 | 4.91 | 1.32 | 1.32 | 3.63 | 21.62 | 0.164 | -- | 9.68 | 1,332,657.00 | 5.97 | 10.44 | 6.07 | 10.69 | -- | -- | 36.42 | 66.95 | -- | 63.11 | 0.00 | 0.00 | 52.96 | 20.20 | 398.44 | -2.14 | -- | -- |
| CoreCard Corp | 69.77m | 13.88m | 239.27m | 1.20k | 17.53 | 4.53 | 12.14 | 3.43 | 1.61 | 1.61 | 8.11 | 6.21 | 1.15 | -- | 7.43 | 58,137.50 | 22.87 | 20.89 | 26.96 | 24.65 | 54.30 | 57.44 | 19.90 | 23.19 | -- | -- | 0.00 | -- | 44.60 | 50.03 | 53.57 | -- | 57.76 | -- |
| Regional Management Corp | 507.19m | 51.22m | 244.18m | 1.99k | 4.91 | 0.7911 | 3.82 | 0.4814 | 5.22 | 5.22 | 52.52 | 32.41 | 0.3185 | -- | -- | 254,739.80 | 3.22 | 4.14 | 3.38 | 4.34 | -- | -- | 10.10 | 12.51 | -- | 2.30 | 0.8135 | 9.73 | 18.40 | 13.23 | -42.24 | 13.80 | 0.5127 | -- |
| Chicago Atlantic Real Estate Fin Inc | 51.47m | 32.29m | 246.27m | -- | 7.49 | 0.9165 | -- | 4.78 | 1.82 | 1.82 | 2.90 | 14.86 | 0.1657 | -- | 100.50 | -- | 10.39 | -- | 10.80 | -- | 94.92 | -- | 62.74 | -- | -- | -- | 0.1801 | -- | 364.75 | -- | 240.05 | -- | -- | -- |
| Agribank FCB | 3.11bn | 790.70m | 250.00m | 121.00 | 109.89 | 13.35 | 0.3161 | 0.2579 | 0.91 | 0.91 | 1.05 | 7.76 | -- | -- | -- | -- | -- | 0.5524 | -- | -- | -- | -- | 81.56 | 80.93 | -- | -- | -- | 74.90 | 58.03 | 8.28 | 3.33 | 8.52 | -- | -- |
| Lesaka Technologies Inc | 417.85m | -35.14m | 251.35m | 2.66k | -- | 1.23 | -- | 0.6015 | -0.5907 | -0.5907 | 7.07 | 3.37 | 0.781 | 12.30 | 17.08 | 157,262.00 | -5.74 | -10.09 | -7.45 | -14.57 | 20.33 | 34.29 | -7.35 | -34.50 | 1.20 | -3.88 | 0.4919 | -- | 70.21 | -18.26 | -16.00 | -- | -16.45 | -- |
| Federal Home Loan Mortgage Corp | 85.43bn | 342.00m | 256.77m | 7.80k | 0.7508 | -- | -- | 0.003 | 0.5261 | 0.5261 | 131.41 | 56.95 | 0.0274 | -- | -- | 10,953,580.00 | 0.2992 | 0.3591 | 0.3052 | 0.3728 | -- | -- | 10.92 | 12.75 | -- | 1.16 | 0.9884 | 0.00 | 32.91 | 6.12 | -30.06 | -30.80 | -- | -- |
Data as of Mar 29 2023. Currency figures normalised to Consumer Portfolio Services Inc's reporting currency: US Dollar USD
21.24%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Dec 2022 | 1.68m | 8.20% |
| BlackRock Fund Advisorsas of 31 Dec 2022 | 656.93k | 3.21% |
| Renaissance Technologies LLCas of 31 Dec 2022 | 462.76k | 2.26% |
| The Vanguard Group, Inc.as of 31 Dec 2022 | 462.52k | 2.26% |
| Bridgeway Capital Management LLCas of 31 Dec 2022 | 440.15k | 2.15% |
| SSgA Funds Management, Inc.as of 31 Dec 2022 | 192.78k | 0.94% |
| Geode Capital Management LLCas of 31 Dec 2022 | 167.74k | 0.82% |
| Russell Investment Management LLCas of 31 Dec 2022 | 98.78k | 0.48% |
| RBC Global Asset Management (US), Inc.as of 31 Dec 2022 | 98.54k | 0.48% |
| Marshall Wace LLPas of 31 Dec 2022 | 84.96k | 0.42% |
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Data from 31 Dec 2022 - 31 Dec 2022Source: FactSet Research Systems Inc.
