Consumer Portfolio Services, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for Consumer Portfolio Services, Inc. (CPSS), the latest P/E of 9.4 frames valuation, while ROE 6.91% and ROIC 2.48% indicates profitability and capital efficiency. Together with the current ratio of 0.23 and debt-to-equity 12.56, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

CPSS Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$20.81$18.48$16.85$15.73$11.87$11.99$15.43$17.73$19.15$17.34
Net Income per Share$1.00$0.90$2.17$4.10$2.11$0.96$0.24$0.68$0.17$1.20
Operating Cash Flow per Share$16.15$10.98$11.39$10.30$8.78$10.56$9.67$9.83$9.51$8.06
Free Cash Flow per Share$16.15$10.96$11.36$10.20$8.70$10.56$9.64$9.78$9.48$8.02
Cash per Share$0.35$0.55$0.30$0.64$1.33$0.60$0.24$0.58$0.56$0.57
Book Value per Share$14.71$13.75$13.14$10.90$7.54$5.90$9.04$8.96$8.11$7.65
Tangible Book Value per Share$14.71$13.75$12.85$10.28$6.51$4.47$7.56$8.03$6.57$5.74
Interest Debt per Share$195.86$156.03$129.84$121.98$89.57$91.58$107.07$107.25$101.58$93.58
CAPEX per Share$0.01$0.02$0.03$0.10$0.09$0.00$0.03$0.05$0.03$0.04

CPSS Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)9.3812.044.322.165.634.4213.974.4525.014.26
Price to Book (P/B)0.630.790.710.811.570.720.370.340.510.67
Price to Sales (P/S)0.450.590.560.5610.350.220.170.220.3
Enterprise Value to EBITDA26.86118.4244.4922.4232.3893.67230.49117.369.4945.8
EV to Sales9.318.517.838.018.157.576.825.935.285.47
EV to Operating Cash Flow11.9914.3311.5812.2311.028.5910.8910.6910.6411.77
EV to Free Cash Flow11.9914.3611.6112.3511.138.5910.9210.7410.6711.83
Enterprise Value$4.20B$3.35B$2.76B$2.64B$2.18B$2.05B$2.36B$2.31B$2.29B$2.31B

CPSS Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)6.91%6.56%16.51%37.65%27.92%16.25%2.67%7.54%2.05%15.73%
Return on Invested Capital (ROIC)2.48%0.55%1.56%353.61%142.60%1.41%0.37%0.57%11.58%107.68%
Return on Tangible Assets0.49%0.55%1.56%3.14%2.22%1.03%0.22%0.60%0.16%1.24%
Earnings Yield10.72%8.30%23.16%46.36%17.78%22.61%7.16%22.45%4.00%23.50%
Free Cash Flow Yield173.84%100.90%121.26%115.26%73.39%249.03%285.98%325.03%228.33%156.58%
Dividend Yield0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

CPSS Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio0.230.030.030.050.312.9210.751.410.420.39
Interest Coverage0.640.140.421.330.870.20.080.180.350.62
Income Quality16.2212.175.252.514.1711.0140.114.5557.286.7
Debt to Equity12.5610.699.3410.8111.4314.7711.311.4512.0311.81
Debt to Assets90.64%89.61%88.39%89.69%90.10%91.78%90.17%90.79%91.23%91.24%
Net Debt to EBITDA25.57110.2541.3320.8428.4289.3223.11113.9466.6443.33

CPSS Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover00.120.13508.03118.0354.0529.712.199.2911.65
Payables Turnover1.24001.070007.49.7210.35
Inventory Turnover00994.65104.0724.5530.3926.02-0.07-0.11-0.11
Days Sales Outstanding03078.342848.70.723.096.7512.2929.9439.2931.32
Days Payables Outstanding293.7200340.4100049.3237.5635.27
Days of Inventory on Hand000.373.5114.8712.0114.03-5098.37-3174.86-3409.08

CPSS Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA26.86118.4244.4922.4232.3893.67230.49117.369.4945.8
Market Cap$201.58M$231.23M$195.80M$185.48M$267.36M$95.87M$75.54M$66.19M$94.15M$124.70M
Enterprise Value$4.20B$3.35B$2.76B$2.64B$2.18B$2.05B$2.36B$2.31B$2.29B$2.31B
Dividend Yield0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Payout Ratio0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Frequently Asked Questions

How does Consumer Portfolio Services, Inc.’s P/E ratio compare with its history?

On this page, CPSS's current P/E is 9.4, compared with a multi-year average around 8.6. When the current P/E sits near its historical average, the multiple is close to that range. Look at trend direction in profitability and cash-flow rows, plus liquidity and leverage, rather than treating the P/E in isolation.

What is Consumer Portfolio Services, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $201.58M. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does Consumer Portfolio Services, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with Consumer Portfolio Services, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does Consumer Portfolio Services, Inc. compare to its competitors in key financial ratios?

The fastest way to compare Consumer Portfolio Services, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see Consumer Portfolio Services, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do Consumer Portfolio Services, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that Consumer Portfolio Services, Inc. is financially strong. Current ratio is about 0.23, which is below 1.0 and can suggest tighter short-term liquidity. Interest coverage is about 0.64, implying less buffer for servicing interest costs. Debt-to-equity is about 12.56, suggesting higher leverage than a low-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do Consumer Portfolio Services, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If Consumer Portfolio Services, Inc. is sustaining strong returns (for example ROE at 6.91% and ROIC at 2.48%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.