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CPSS | NASDAQ

$9.16 $0.11 | 1.22%

SIGNAL:

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|2026-09-28 |F&G 39 |RSI 46.3

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Company Overview:

Market Cap: $197.44M

Trailing PE: 10x

FWD PE: —

Payout Ratio (TTM): —

52-Week Range: $7.30 - $10.49

10 Year CPSS Performance Metrics:

Total Return (with DRIP): 104.0% (7.39% CAGR)

Total Return (no DRIP): 104.0% (7.39% CAGR)

Share Price: 99.6% (7.15% CAGR)

Yield on Cost (with DRIP): —

Total Invested: $10,000

Total Value (with DRIP): $20,401

Total Return $ (with DRIP): $10,401

CPSS Total Return

1M 3M 6M YTD 1Y 3Y 5Y 10Y

CPSS Price Chart

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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CPSS Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CPSS - Revenue

CPSS Revenue CAGR:1Y: -47.95%2Y: -22.80%5Y: -3.07%10Y: -5.90%

CPSS - Earnings Per Share (EPS)

CPSS EPS CAGR:1Y: 35.00%2Y: 19.21%5Y: -7.09%10Y: 0.77%

CPSS - Net Income

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CPSS Net Income CAGR:1Y: 29.96%2Y: 15.51%5Y: -8.49%10Y: -1.53%

CPSS - EBITDA

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CPSS EBITDA CAGR:1Y: 920.87%2Y: 226.57%5Y: 38.75%10Y: 19.37%

CPSS - Free Cash Flow

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CPSS Free Cash Flow CAGR:1Y: 94.93%2Y: 56.68%5Y: 17.92%10Y: 7.27%

CPSS - Free Cash Flow / Share

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CPSS Free Cash Flow / Share CAGR:1Y: 98.43%2Y: 55.79%5Y: 19.35%10Y: 8.70%

CPSS - Operating Income

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CPSS Operating Income CAGR:1Y: 954.20%2Y: 231.43%5Y: 39.49%10Y: 19.52%

CPSS - Gross Profit

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CPSS Gross Profit CAGR:1Y: 134.16%2Y: 54.10%5Y: 20.50%10Y: 11.52%

CPSS - Shares Outstanding

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CPSS Shares Outstanding CAGR:1Y: -2.87%2Y: -1.62%5Y: -1.34%10Y: -2.12%

CPSS - Share Buybacks

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CPSS Share Buybacks CAGR:1Y: -52.14%2Y: -49.06%5Y: 24.35%10Y: -3.11%

CPSS - Stock-Based Comp

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CPSS Stock-Based Comp CAGR:1Y: -10.25%2Y: -15.47%5Y: 12.07%10Y: -8.11%

CPSS - Expenses

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CPSS Expenses CAGR:1Y: 541.94%2Y: 134.30%5Y: 5.89%10Y: 9.44%

CPSS - Revenue vs Net Income

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CPSS - EPS vs FCF / Share

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CPSS - EPS vs PE Ratio

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CPSS - FCF vs FCF / Share

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CPSS - FCF vs Stock Based Comp

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CPSS - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CPSS - REVENUE: Actual + Estimates

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CPSS Actual Revenue CAGR:1Y: -47.95%2Y: -22.80%5Y: -3.07%10Y: -5.90%

CPSS - EPS: Actual + Estimates

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CPSS Actual EPS CAGR:1Y: 35.00%2Y: 19.21%5Y: -7.09%10Y: 0.77%

CPSS - NET INCOME: Actual + Estimates

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CPSS Actual Net Income CAGR:1Y: 29.96%2Y: 15.51%5Y: -8.49%10Y: -1.53%

CPSS - EBITDA: Actual + Estimates

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CPSS Actual EBITDA CAGR:1Y: 920.87%2Y: 226.57%5Y: 38.75%10Y: 19.37%

Ratios, Profit Margins & Return on Capital:

CPSS - Net Profit Margin

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CPSS Net Profit Margin CAGR:1Y: 17.62%2Y: 2.73%5Y: -18.79%10Y: -2.94%

CPSS - Gross Profit Margin

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CPSS Gross Profit Margin CAGR:1Y: 111.73%2Y: 36.95%5Y: 6.92%10Y: 9.91%

CPSS - Price to Earnings

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CPSS Price to Earnings CAGR:1Y: -25.91%2Y: -14.79%5Y: 25.90%10Y: 10.17%

CPSS - Price To Sales Ratio

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CPSS Price To Sales Ratio CAGR:1Y: -12.45%2Y: -12.15%5Y: 2.20%10Y: 6.89%

CPSS - Return on Capital Employed

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CPSS Return on Capital Employed CAGR:1Y: 974.15%2Y: 212.66%5Y: 24.00%10Y: 13.37%

CPSS - Return on Invested Capital

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CPSS Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 14.05%

Projected Future Returns & Dividends for CPSS

Based on past 10-year performance, here are CPSS growth metrics:

Share price CAGR of +7.15%
Dividend CAGR of +0%

Using CPSS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	CPSS (DRIP)	CPSS - No DRIP
Current Price	$9.16	$9.16
Start Shares	1,091.70	1,091.70
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	1,091.70	1,091.70
Dividends Payment	$0.00	$0.00
Annual Dividends	$0	$0
Yield on cost	0.00%	0.00%
Share Price	$9.16	$9.16
Total Dividends	$0	$0
Final Value	$10,000	$10,000

Estimated Future Value + Dividends - CPSS

NOTE: Above numbers are our estimate based on CPSS's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Consumer Portfolio Services, Inc. (CPSS) had its IPO on 1992-10-22, and is traded on NASDAQ stock exchange.

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.

CPSS website: https://www.consumerportfolio.com

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DCF Model — CPSS

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $9.16

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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