Consumer Portfolio Services, Inc. (CPSS) is a Financial - Credit Services company in the Financial Services sector, currently trading at $8.45. It has a SharesGrow Score of 60/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CPSS = $44.35 (+424.9% from the current price, the stock appears undervalued).
Valuation: CPSS trades at a trailing Price-to-Earnings (P/E) of 8.8 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.08.
Financials: revenue is $428M, +29.5%/yr average growth. Net income is $19M, growing at -34.8%/yr. Net profit margin is 4.5% (thin). Gross margin is 99.6% (+28.4 pp trend).
Balance sheet: total debt is $3.5B against $310M equity (Debt-to-Equity (D/E) ratio 11.33, leveraged). Current ratio is 0.44 (tight liquidity). Debt-to-assets is 90.9%. Total assets: $3.9B.
Analyst outlook: 3 / 4 analysts rate CPSS as buy (75%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 58/100 (Partial), Past 100/100 (Pass), Health 0/100 (Fail), Moat 58/100 (Partial), Future 75/100 (Pass), Income 30/100 (Fail).
