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Consumer Portfolio Services Inc (CPSS) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Consumer Portfolio Services Inc $11.58, price $9.34, upside +24.0%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN US2105021008

CP Consumer Portfolio Services Inc logo Broad data Sep 23, 2026

Consumer Portfolio Services Inc

CPSS · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $11.58 · Undervalued (+24%)
!Quality 57/100
!Mixed Growth (revenue 5y +9.6 %/yr)
!Thin margins · 10.0% net margin (TTM)
!High debt · generates free cash flow
!Mixed vs. peers (7/14)
!Narrow moat 40/100
!The models disagree: range $8.68 to $23.70
!Weak on past: 26 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$15.09 $4.43 Fair Value $11.58 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $4.43 – $15.09 · fair‑value band $8.68 – $23.70 · the $9.34 price screens below the $11.58 fair value. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans.

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Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.

Stock analysis

Consumer Portfolio Services Inc (CPSS) currently trades at $9.34, while our model-based Fair Value estimate is $11.58, implying the stock looks roughly 19.3% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $105.26 per share, and 6 of the 8 models we run sit above the $9.34 price.

Bear case: the DCF Models group reads lowest at $5.40, and 2 of the 8 models stay below the price. Evidence for this calculation is high.

Scenario range: $8.68 (bear) to $23.70 (bull), the price of $9.34 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Consumer Portfolio Services Inc reported revenue of $428M in FY2025 versus $268M in FY2021, a compound +12.4%/yr. Reported net income was $19.3M in FY2025, compounding −20.1%/yr from FY2021.

Key figures

Market cap $225M · P/E ratio 11.0 · P/S ratio 0.50 · EPS (TTM) $0.8500 · Net margin 4.5% · Return on equity 6.6% · Return on assets (EBIT) 3.4% · Operating margin 15.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (medium confidence).

What moves the price

The share trades about 9% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 24%, CPSS screens cheaper than that median.

Fair Value models

Bear $8.68 Fair Value $11.58 Bull $23.70
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.6241 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $40.72 $105.26 $181.58 75
Owner Earnings n/a n/a $11.76 73
Residual Income $10.17 $10.11 $9.11 71
All 9 models by family
DCF Models
Owner Earnings n/a n/a $11.76 73
10Y P/E Exit n/a $5.40 $28.82 61
Earnings-Based
Graham-Dodd $6.06 $19.61 $26.18 64
Lynch FV $4.37 $6.24 $8.12 61
Multiples
P/E Multiple $8.68 $11.58 $14.47 63
P/B Multiple $11.36 $15.14 $18.93 55
Asset-Based
NCAV (Graham) $7.13 $9.56 $14.27 54
Growth DCF
Growth DCF $40.72 $105.26 $181.58 75
Economic Profit
Residual Income $10.17 $10.11 $9.11 71

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Quality Score breakdown

Overall quality 57/100

Of which business quality 54 · Market factors (momentum, volatility) 53

Profitability 21
Margins and returns on capital today
Quality Growth 69
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 1
Balance sheet, leverage, solvency risk
Investment 62
Disciplined investing over empire-building
Low Volatility 46
Calm price path (market factor)
Momentum 54
Price trend over the last 3–12 months (market factor)
52W Momentum 60
Distance to the 52-week high (market factor)
Net Issuance 95
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.6%
Start year 2020 (pandemic). Over 10 years: +1.6% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−2.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2% vs −2%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 61%
Start year 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside +24% · Above median
Profitability
Return on equity (TTM) 7% · Below median
Return on assets 1% · Below median
Net margin (TTM) 10% · Below median
Operating margin (TTM) 15% · Below median
Growth and dividend
Revenue growth 8% · Above median
Balance sheet
Debt / equity 10.20× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 11.0× · Cheaper than median
P/B 0.73× · Cheaper than median
P/S (TTM) 1.11× · Cheaper than median
P/FCF 0.8× · Pricier than median
EV/EBITDA 13.0× · Pricier than median
PEG 0.33× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)65 · sector 49
FUTURE (revenue growth)40 · sector 36
PAST (return on equity)26 · sector 32
HEALTH (low debt)0 · sector 59
DIVIDEND (yield)0 · sector 68

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $305.07 $206.40 −32%
Capital One Financial Corporation COF $200.55 $125.36 −37%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $71.77 $16.24 −77%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $72.67 $137.28 +89%
SoFi Technologies, Inc SOFI $17.16 $5.57 −68%

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Cite: Fair Value Calculator (2026). "Consumer Portfolio Services Inc Fair Value". https://www.fairvalue-calculator.com/stock/CPSS

Frequently asked questions

Is Consumer Portfolio Services Inc (CPSS) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $11.58 versus a price of $9.34, about +24% upside (undervalued).
What is the fair value of CPSS?
Our model-based fair value for Consumer Portfolio Services Inc is $11.58 (as of Sep 23, 2026), built from audited fundamentals. The current price: $9.34.
What is the quality score of CPSS?
Consumer Portfolio Services Inc has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Consumer Portfolio Services Inc (CPSS)?
Our model-based price target is the fair value of $11.58 (as of Sep 23, 2026) from 9 valuation models. Cautious scenario $8.68, optimistic scenario $23.70. It is a calculation from audited fundamentals, not an analyst target.
What is the Consumer Portfolio Services Inc stock forecast for 2026?
Our models put fair value at $11.58, about +24% upside versus a price of $9.34 (undervalued). Cautious scenario $8.68, optimistic scenario $23.70. The calculation is refreshed regularly with new filings.
What is the revenue of Consumer Portfolio Services Inc (CPSS)?
Consumer Portfolio Services Inc reported trailing-twelve-month revenue of about $203M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Consumer Portfolio Services Inc (CPSS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Consumer Portfolio Services Inc it is $11.58 per share (as of Sep 23, 2026), against a price of $9.34. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Consumer Portfolio Services Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CPSS trades below its calculated fair value: price $9.34, fair value $11.58, a gap of about +24% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CPSS?
No. The price is what the market pays today ($9.34); the fair value is what the company's own numbers justify ($11.58). For Consumer Portfolio Services Inc the two are $2.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is Consumer Portfolio Services Inc worth?
The market values Consumer Portfolio Services Inc at about $225M (market capitalisation, as of Sep 23, 2026). Per share that is $9.34; our models calculate a fair value of $11.58 per share.
What do the bullish and bearish scenarios say about CPSS?
Our models span a range for Consumer Portfolio Services Inc: cautious scenario $8.68, base $11.58, optimistic $23.70 per share (as of Sep 23, 2026, price $9.34). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CPSS?
Consumer Portfolio Services Inc trades at a price-to-earnings ratio of 11.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.58 is built from several models across several years. Other multiples: PEG 0.3, P/B 0.7, P/S 1.1, EV/EBITDA 13.0.
What is the PEG ratio of CPSS?
The PEG ratio of Consumer Portfolio Services Inc is 0.33 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Consumer Portfolio Services Inc (CPSS)?
Balance-sheet figures for Consumer Portfolio Services Inc (as of Sep 23, 2026): return on equity 6.6%, debt of 10.20 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is CPSS from its 52-week high?
Consumer Portfolio Services Inc trades at $9.34, about 9% below its 52-week high of $10.30 and 28% above the low of $7.30 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $11.58 is for.
Which stocks are comparable to Consumer Portfolio Services Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Consumer Portfolio Services Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $9.34, calculated fair value $11.58 (+24%), Quality Score 57/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CPSS calculated?
We run Consumer Portfolio Services Inc through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $11.58, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. Consumer Portfolio Services Inc currently trades 24 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Consumer Portfolio Services Inc (CPSS)?
The closing price on Sep 23, 2026 was $9.34. Our model-based fair value is $11.58, about +24% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Consumer Portfolio Services Inc right now?
The model range is unusually wide ($8.68 to $23.70). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Consumer Portfolio Services Inc (CPSS) come from?
Earnings per share at Consumer Portfolio Services Inc grew +1.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.5 %, EBIT margin +7.9 %, tax rate +2.6 %, residual (interest, one-offs) −11.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Consumer Portfolio Services Inc

How large is the market capitalisation of Consumer Portfolio Services Inc (CPSS)?
The market capitalisation of Consumer Portfolio Services Inc is $225M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Consumer Portfolio Services Inc (CPSS)?
The price-to-sales ratio of Consumer Portfolio Services Inc is 0.50 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Consumer Portfolio Services Inc (CPSS)?
Earnings per share at Consumer Portfolio Services Inc are $0.8500 (price ÷ EPS = P/E 11.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Consumer Portfolio Services Inc (CPSS)?
The net margin of Consumer Portfolio Services Inc is 4.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Consumer Portfolio Services Inc (CPSS)?
The return on equity (ROE) of Consumer Portfolio Services Inc is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Consumer Portfolio Services Inc (CPSS)?
On an EBIT basis the return on assets of Consumer Portfolio Services Inc is 3.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Consumer Portfolio Services Inc (CPSS)?
The operating margin of Consumer Portfolio Services Inc is 15.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Consumer Portfolio Services Inc (CPSS)?
Revenue at Consumer Portfolio Services Inc is growing +7.9% versus a year earlier (3y avg +9.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Consumer Portfolio Services Inc (CPSS)?
Earnings per share at Consumer Portfolio Services Inc are growing +26.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Consumer Portfolio Services Inc (CPSS) generate?
The free cash flow of Consumer Portfolio Services Inc is $289M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Consumer Portfolio Services Inc (CPSS) carry?
The net debt of Consumer Portfolio Services Inc is $3.5B (fiscal year 2025, ≈ 12.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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