Stock CPSS CONSUMER PORTFOLIO SERVICES, INC.
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Financials Consumer Portfolio Services, Inc.

Equities

CPSS

US2105021008

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
8.59 USD 0.00% Intraday chart for Consumer Portfolio Services, Inc. -4.56% -8.32%
Apr. 01 Consumer Portfolio Services Renews $200 Million Credit Facility With Ares Agent Services MT
Apr. 01 Consumer Portfolio Services, Inc. Announces Renewal of $200 Million Credit Facility CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 67.99 75.93 95.68 249.7 180.9 197.9
Enterprise Value (EV) 1 2,312 2,379 2,066 2,176 2,643 2,762
P/E ratio 5.1 x 15.3 x 4.71 x 6.44 x 2.74 x 5.21 x
Yield - - - - - -
Capitalization / Revenue 0.44 x 0.51 x 0.52 x 1.18 x 0.71 x 0.92 x
EV / Revenue 15 x 16.1 x 11.2 x 10.3 x 10.4 x 12.9 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.34 x 0.37 x 0.72 x 1.47 x 0.78 x 0.72 x
Nbr of stocks (in thousands) 22,590 22,531 22,565 21,074 20,439 21,120
Reference price 2 3.010 3.370 4.240 11.85 8.850 9.370
Announcement Date 3/13/19 3/16/20 3/10/21 3/16/22 3/15/23 3/15/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 154.1 148.1 184.4 210.9 254.2 214.6
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 18.7 9.162 20.12 65.75 116.2 61.1
Net income 1 14.86 5.406 21.68 47.52 85.98 45.34
Net margin 9.64% 3.65% 11.76% 22.54% 33.83% 21.13%
EPS 2 0.5900 0.2200 0.9000 1.840 3.230 1.800
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 3/13/19 3/16/20 3/10/21 3/16/22 3/15/23 3/15/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 2,244 2,303 1,970 1,926 2,462 2,564
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 7.8% 2.7% 12.9% 31.3% 43.1% 18%
ROA (Net income/ Total Assets) 0.61% 0.22% 0.93% 2.21% 3.5% 1.6%
Assets 1 2,455 2,513 2,343 2,153 2,456 2,828
Book Value Per Share 2 8.790 8.990 5.870 8.050 11.30 13.00
Cash Flow per Share 2 0.5700 0.2400 0.5900 1.420 0.6700 0.2900
Capex 1 1.08 0.75 0.02 1.98 2.15 0.56
Capex / Sales 0.7% 0.51% 0.01% 0.94% 0.85% 0.26%
Announcement Date 3/13/19 3/16/20 3/10/21 3/16/22 3/15/23 3/15/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Other Consumer Lending
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