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About the company
Consumer Portfolio Services, Inc. is a specialty finance company. The Company’s business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. It serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. It also originates vehicle purchase money loans by lending directly to consumers. It offers over eight different financing programs and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha and Preferred.
- Revenue in USD (TTM)358.18m
- Net income in USD21.25m
- Incorporated1991
- Employees925.00
- LocationConsumer Portfolio Services Inc19500 Jamboree RoadIRVINE 92612United StatesUSA
- Phone+1 (949) 753-6800
- Websitehttps://www.consumerportfolio.com/
Peer analysis
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| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fifth District Bancorp Inc | 17.33m | -231.56k | 67.94m | 64.00 | -- | 0.8707 | 170.07 | 7.62 | -0.0417 | -0.0417 | 1.60 | 14.04 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -2.60 | -- | -- | -- | -- | -- | 13.99 | -- | -72.60 | -- | -- | -- |
| CNFinance Holdings Ltd - ADR | 260.42m | 16.64m | 87.10m | 897.00 | 4.89 | -- | -- | 0.3345 | 0.2597 | 0.2597 | 3.98 | -- | 0.1177 | -- | -- | 290,318.10 | 0.7523 | 1.41 | 0.8106 | 1.52 | 41.39 | 41.27 | 6.39 | 9.93 | -- | -- | 0.7013 | 0.00 | -0.9691 | -15.57 | 21.62 | -28.17 | 50.52 | -- |
| Oportun Financial Corp | 296.44m | -120.43m | 110.03m | 1.49k | -- | 0.3107 | -- | 0.3712 | -3.10 | -3.10 | 7.63 | 9.91 | 0.0882 | -- | -- | 126,682.10 | -3.58 | -1.44 | -3.68 | -1.51 | -- | -- | -40.62 | -8.62 | -- | -- | 0.888 | -- | -56.19 | -9.93 | -131.47 | -- | 12.75 | -- |
| X Financial (ADR) | 720.22m | 183.13m | 212.35m | 521.00 | 1.74 | 0.3423 | -- | 0.2948 | 3.70 | 3.70 | 14.59 | 18.85 | 0.4618 | -- | 3.44 | 1,382,378.00 | 11.56 | 5.65 | 14.00 | 7.70 | 53.43 | 38.29 | 25.03 | 13.10 | -- | -- | 0.3568 | -- | 35.14 | 6.34 | 46.16 | 6.09 | -26.18 | -- |
| California First Leasing Corp | 47.87m | 33.57m | 223.43m | 98.00 | 6.73 | 0.9207 | -- | 4.67 | 3.57 | 3.57 | 5.04 | 26.07 | 0.196 | -- | -- | -- | 13.74 | 5.79 | 13.83 | 6.38 | -- | -- | 70.12 | 78.46 | -- | -- | 0.00 | 28.46 | 128.19 | 27.53 | 99.08 | 37.54 | -- | -- |
| Better Home & Finance Holding Co | 94.21m | -493.87m | 226.02m | -- | -- | 5.03 | -- | 2.40 | -32.83 | -32.83 | 6.25 | 2.97 | 0.10 | -- | 5.29 | -- | -52.40 | -- | -61.95 | -- | 46.02 | -- | -524.24 | -- | -- | -0.9701 | 0.9469 | -- | -77.88 | -- | 39.65 | -- | -- | -- |
| Consumer Portfolio Services, Inc. | 358.18m | 21.25m | 227.51m | 925.00 | 12.68 | 0.798 | 13.31 | 0.6352 | 0.8666 | 0.8666 | 14.64 | 13.77 | 0.1129 | -- | 17.03 | 402,450.60 | 0.6698 | 1.68 | 0.6844 | 1.71 | 50.02 | 66.87 | 5.93 | 13.09 | -- | -- | 0.9159 | -- | 8.14 | -2.69 | -47.27 | 24.99 | -12.29 | -- |
| CPI Card Group Inc | 458.38m | 15.48m | 311.46m | 1.45k | 21.34 | -- | 9.81 | 0.6795 | 1.31 | 1.31 | 38.60 | -3.83 | 1.44 | 3.54 | 6.23 | 316,558.70 | 4.88 | 6.77 | 6.03 | 8.61 | 35.78 | 35.75 | 3.38 | 4.65 | 1.42 | 1.73 | 1.18 | 0.00 | -6.56 | 11.69 | -34.36 | -- | 2.60 | -- |
| Regional Management Corp | 575.33m | 23.74m | 314.93m | 2.08k | 13.07 | 0.8931 | 11.93 | 0.5474 | 2.37 | 2.37 | 58.80 | 34.72 | 0.3208 | -- | -- | 276,468.00 | 1.32 | 3.33 | 1.38 | 3.78 | -- | -- | 4.13 | 10.26 | -- | 1.44 | 0.7977 | 15.80 | 8.72 | 12.45 | -68.85 | -14.70 | 12.17 | -- |
| Yiren Digital Ltd - ADR | 760.56m | 281.55m | 525.95m | 754.00 | 1.90 | 0.4212 | 1.86 | 0.6915 | 3.19 | 3.19 | 8.61 | 14.36 | 0.5154 | -- | 9.53 | 1,008,705.00 | 19.08 | 10.63 | 23.52 | 16.04 | 83.33 | 83.23 | 37.02 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -49.90 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 1.55m | 7.26% |
| BlackRock Fund Advisorsas of 30 Jun 2024 | 538.89k | 2.53% |
| The Vanguard Group, Inc.as of 30 Jun 2024 | 512.73k | 2.40% |
| Renaissance Technologies LLCas of 30 Jun 2024 | 430.26k | 2.02% |
| Bridgeway Capital Management LLCas of 30 Jun 2024 | 384.89k | 1.81% |
| Geode Capital Management LLCas of 30 Jun 2024 | 195.35k | 0.92% |
| SSgA Funds Management, Inc.as of 30 Jun 2024 | 182.30k | 0.86% |
| Charles Schwab Investment Management, Inc.as of 30 Jun 2024 | 146.36k | 0.69% |
| Empowered Funds LLCas of 30 Sep 2024 | 142.52k | 0.67% |
| HighPoint Advisor Group LLCas of 30 Sep 2024 | 107.40k | 0.50% |
