Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|---|
Income Statement | ||||||
Total Revenue | 408.64M | 185.46M | 340.01M | 329.71M | 267.81M | 169.82M |
Gross Profit | 294.34M | 185.46M | 208.23M | 234.65M | 207.16M | 162.40M |
EBITDA | 125.34M | 28.29M | 61.94M | 117.81M | 67.42M | 0.00 |
Net Income | 19.31M | 19.20M | 45.34M | 85.98M | 47.52M | 21.68M |
Balance Sheet | ||||||
Total Assets | 3.67B | 3.49B | 2.90B | 2.75B | 2.16B | 2.15B |
Cash, Cash Equivalents and Short-Term Investments | 29.84M | 11.71M | 6.17M | 13.49M | 29.93M | 13.47M |
Total Debt | 0.00 | 3.13B | 2.57B | 2.47B | 1.95B | 1.97B |
Total Liabilities | 3.38B | 3.20B | 2.63B | 2.52B | 1.99B | 2.01B |
Stockholders Equity | 298.43M | 292.77M | 274.67M | 228.39M | 170.21M | 133.36M |
Cash Flow | ||||||
Free Cash Flow | 254.95M | 233.32M | 237.42M | 213.78M | 196.22M | 238.74M |
Operating Cash Flow | 254.92M | 233.75M | 237.98M | 215.93M | 198.19M | 238.77M |
Investing Cash Flow | -855.19M | -769.71M | -359.53M | -713.90M | -115.36M | 93.03M |
Financing Cash Flow | 632.80M | 547.92M | 84.19M | 484.21M | -50.44M | -328.48M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
75 Outperform | $215.81M | 12.57 | 6.69% | ― | 13.23% | -47.36% | |
70 Outperform | $113.21M | 3.75 | 19.56% | 15.93% | -49.04% | ― | |
69 Neutral | $139.96M | 19.88 | 3.63% | 15.48% | 127.09% | 2519.30% | |
67 Neutral | $17.01B | 11.90 | 9.70% | 3.76% | 11.63% | -9.47% | |
62 Neutral | $309.69M | 13.56 | 5.50% | ― | -3.14% | 264.15% | |
51 Neutral | $161.31M | 579.49 | -0.32% | 18.58% | -338.17% | -97.99% | |
28 Underperform | $222.14M | ― | 26.69% | ― | 583.33% | 6.59% |
Consumer Portfolio Services has released an updated investor presentation as of March 2025, highlighting its strategic use of machine learning and artificial intelligence to enhance loan quality and risk management. The company emphasizes its strong market position with a 54-quarter profitability streak and a significant presence in the sub-prime auto financing sector, indicating robust demand for its lending programs and a solid operational framework.
On May 12, 2025, Consumer Portfolio Services, Inc. announced the closing of its second term securitization in 2025, marking its 55th senior subordinate securitization since 2011. The transaction involved the sale of $419.95 million in asset-backed notes, secured by $439.29 million in automobile receivables, and was rated highly by Standard & Poor’s and DBRS Morningstar. This securitization is significant for CPS as it continues to strengthen its position in the market by securing financing through structured transactions, which are crucial for its operations and growth strategy.
Consumer Portfolio Services, Inc. has finalized the non-equity incentive plan compensation for its executive officers for the fiscal year 2024. The company updated its Summary Compensation Table to include these amounts, which were not available when the initial 2024 10-K was filed. The CEO’s total compensation for FY2024 was $4,165,611, resulting in a CEO pay ratio of 55.5 to 1, calculated against a newly identified median employee due to changes in employment status.