Latest Ratios: P/E Ratio 11.3x · EV/EBITDA 14.2x · ROE 6.4%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $195M | $225M | $264M | $236M | $235M | $305M | $102M | $81M | $75M | $113M | $149M |
| Enterprise Value | $3.7B | $3.7B | $3.3B | $2.7B | $2.6B | $2.1B | $1.9B | $2.4B | $2.3B | $2.3B | $2.3B |
| P/E Ratio → | 11.25 | 11.66 | 13.75 | 5.21 | 2.74 | 6.44 | 4.71 | 15.32 | 5.10 | 29.64 | 5.07 |
| P/S Ratio | 0.46 | 0.52 | 0.67 | 0.67 | 0.71 | 1.14 | 0.38 | 0.23 | 0.19 | 0.26 | 0.35 |
| P/B Ratio | 0.70 | 0.73 | 0.90 | 0.86 | 1.03 | 1.79 | 0.76 | 0.40 | 0.38 | 0.61 | 0.80 |
| P/FCF | 0.68 | 0.78 | 1.13 | 1.00 | 1.10 | 1.56 | 0.43 | 0.38 | 0.35 | 0.53 | 0.76 |
| P/OCF | 0.68 | 0.78 | 1.13 | 0.99 | 1.09 | 1.54 | 0.43 | 0.37 | 0.35 | 0.52 | 0.76 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 8.71 | 8.34 | 7.62 | 7.73 | 7.78 | 7.15 | 6.84 | 5.95 | 5.32 | 5.53 |
| EV / EBITDA | 14.17 | 14.28 | 116.06 | 43.29 | 21.65 | 30.91 | 88.53 | 231.03 | 117.76 | 70.06 | 46.27 |
| EV / EBIT | 14.21 | 14.33 | 119.71 | 43.89 | 21.95 | 31.69 | 96.38 | 258.17 | 124.01 | 72.10 | 47.00 |
| EV / FCF | — | 12.89 | 14.07 | 11.29 | 11.93 | 10.62 | 8.12 | 10.95 | 10.78 | 10.76 | 11.95 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.6% | 99.6% | 52.7% | 64.7% | 82.0% | 77.4% | 57.4% | 43.2% | 39.8% | 35.8% | 38.8% |
| Operating Margin | 60.8% | 60.8% | 7.0% | 17.4% | 35.2% | 24.5% | 7.4% | 2.6% | 4.8% | 7.4% | 11.8% |
| Net Profit Margin | 4.5% | 4.5% | 4.9% | 12.9% | 26.1% | 17.7% | 8.0% | 1.6% | 3.8% | 0.9% | 6.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 6.4% | 6.8% | 18.0% | 43.1% | 31.3% | 12.9% | 2.7% | 7.8% | 2.0% | 16.9% |
| ROA | 0.5% | 0.5% | 0.6% | 1.6% | 3.5% | 2.2% | 0.9% | 0.2% | 0.6% | 0.2% | 1.3% |
| ROIC | 5.4% | 5.4% | 0.7% | 1.7% | 3.6% | 2.3% | 0.7% | 0.3% | 0.6% | 1.0% | 1.7% |
| ROCE | 7.1% | 7.1% | 0.9% | 2.2% | 4.9% | 3.0% | 0.9% | 0.4% | 0.8% | 1.4% | 2.4% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 11.33 | 11.33 | 10.78 | 9.36 | 10.85 | 11.48 | 14.86 | 11.30 | 11.45 | 12.03 | 11.81 |
| Debt / EBITDA | 13.44 | 13.44 | 111.58 | 41.50 | 21.03 | 28.99 | 90.46 | 223.63 | 114.59 | 67.03 | 43.60 |
| Net Debt / Equity | — | 11.31 | 10.31 | 8.90 | 10.14 | 10.45 | 13.78 | 11.27 | 11.38 | 11.96 | 11.74 |
| Net Debt / EBITDA | 13.42 | 13.42 | 106.73 | 39.47 | 19.65 | 26.38 | 83.88 | 223.11 | 113.94 | 66.64 | 43.33 |
| Debt / FCF | — | 12.11 | 12.94 | 10.30 | 10.83 | 9.06 | 7.70 | 10.57 | 10.43 | 10.23 | 11.19 |
| Interest Coverage | 1.12 | 1.12 | 0.14 | 0.42 | 1.33 | 0.87 | 0.20 | 0.08 | 0.18 | 0.35 | 0.62 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.44 | 0.44 | — | — | — | — | — | 0.13 | 0.27 | 0.42 | 0.39 |
| Quick Ratio | 0.44 | 0.44 | — | — | — | — | — | 0.13 | 0.27 | 0.42 | 0.39 |
| Cash Ratio | 0.44 | 0.44 | — | — | 2.50 | — | — | 0.04 | 0.08 | 0.09 | 0.11 |
| Asset Turnover | — | 0.11 | 0.11 | 0.12 | 0.12 | 0.12 | 0.13 | 0.14 | 0.16 | 0.18 | 0.18 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.9% | 8.6% | 7.3% | 19.2% | 36.5% | 15.5% | 21.2% | 6.5% | 19.6% | 3.4% | 19.7% |
| FCF Yield | 100.0% | 128.6% | 88.3% | 100.5% | 90.9% | 64.2% | 234.6% | 266.4% | 286.0% | 190.4% | 131.3% |
| Buyback Yield | 4.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $24M | $24M | $25M | $27M | $26M | $24M | $24M | $25M | $27M | $29M |
High financial leverage
According to recent market data, CPSS trades at a P/E of 12.50 and a P/B of 0.78, suggesting that investors are pricing in significant credit risk and potential earnings volatility compared to the broader specialty finance sector and more established peers like Credit Acceptance Corp.
The low price-to-book ratio indicates that the market is skeptical of the carrying value of the loan portfolio, likely anticipating future write-downs. This valuation gap relative to peers suggests that the market views CPSS as a higher-beta play on the subprime consumer credit cycle.
As reported in financial statements, CPSS has struggled to maintain meaningful returns, with ROIC hovering near 1.3% in 2026Q1, a figure that highlights the difficulty of compounding capital when high credit loss provisions consistently erode the net profitability of the underlying loan assets.
The persistent low ROIC suggests that the company is not generating sufficient excess returns over its cost of capital to justify its aggressive leverage. Investors should monitor whether management can improve underwriting precision to boost these returns, or if the current model is structurally limited by its niche focus.
Based on the provided quarterly data, CPSS maintains a highly leveraged capital structure with a debt-to-equity ratio that climbed to 11.74 in 2026Q1, reflecting a persistent reliance on debt to fund the expansion of its subprime auto loan portfolio in a tightening credit environment.
While much of this debt is non-recourse and tied to securitization trusts, the sheer scale of the leverage leaves the company with little margin for error if the ABS market experiences liquidity constraints. The interest coverage ratio of 1.13 in 2026Q1 warrants further investigation into the firm's ability to service its obligations.
The most commonly misapplied metric for CPSS is the traditional P/E ratio, which fails to account for the non-cash earnings drag created by CECL accounting standards and the volatility inherent in securitization-based revenue recognition models used by specialty finance firms.
Investors should instead focus on the risk-adjusted net interest margin and the trend in net charge-offs to gauge true operational health. Relying on headline P/E multiples obscures the underlying cash-generating capability of the servicing platform, which is the true long-term value driver for the business.
Includes 30+ ratios · 30 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CPSS stock.
Consumer Portfolio Services, Inc.'s current P/E ratio is 11.3x. The historical average is 18.9x. This places it at the 59th percentile of its historical range.
Consumer Portfolio Services, Inc.'s current EV/EBITDA is 14.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 46.8x.
Consumer Portfolio Services, Inc.'s return on equity (ROE) is 6.4%. The historical average is 10.3%.
Based on historical data, Consumer Portfolio Services, Inc. is trading at a P/E of 11.3x. This is at the 59th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Consumer Portfolio Services, Inc. has 99.6% gross margin and 60.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Consumer Portfolio Services, Inc.'s Debt/EBITDA ratio is 13.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.