Lumida
/CPSS
⌘K
Consumer Portfolio Services Inc

Consumer Portfolio Services Inc

CPSS
$9.43USD+0.64%+0.06 today

MARKET CAP

203.3M

P/E (TTM)

11.7x

FWD P/E

11.7x

DAY RANGE

$9 – $10

52W RANGE

$7
$10

AI Summary

Stalk
Sell NowMedium

Stage 4 decline confirms a bearish structure with active Support Failure, and price remains below key EMAs and horizontal support turned resistance. Lack of buying support on down moves and absence of exhaustion signals suggest sellers retain control. No bottoming evidence is present, so the optimal posture is to sell into rallies around the resistance confluence near the 50 DMA and the broken support zone.

  • Q2 revenue $121.4M (+11% YoY) on $758M originations (+75%)
  • Net income rose 30% YoY to $6.2M as pre-tax earnings jumped 29%
  • Negative earnings yield signals challenges in shareholder returns
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$267.8M$329.7M$352.0M$393.5M$434.5M
YoY %-1.2%+23.1%+6.8%+11.8%+10.4%
P / Sales1.1x0.7x0.7x0.7x0.5x
EV / Sales8.5x8.3x8.1x8.8x8.7x
Gross Profit, Adj.$192.6M$242.2M$205.4M$202.2M$202.4M
YoY %+13.4%+25.8%-15.2%-1.5%+0.1%
Margin %71.9%73.5%58.3%51.4%46.6%
EV / Gross Profit11.8x11.3x13.9x17.1x18.6x
EBITDA, Adj.$65.7M$116.2M$61.1M$27.4M$28.0M
YoY %+226.8%+76.7%-47.4%-55.1%+2.1%
Margin %24.5%35.2%17.4%7.0%6.4%
EV / EBITDA34.4x23.6x46.7x125.9x134.5x
EBIT$65.7M$116.2M$61.1M$27.4M$28.0M
YoY %+226.8%+76.7%-47.4%-55.1%+2.1%
Margin %24.5%35.2%17.4%7.0%6.4%
EV / EBIT34.4x23.6x46.7x125.9x134.5x
Net Income$47.5M$86.0M$45.3M$19.2M$19.3M
YoY %+119.2%+80.9%-47.3%-57.6%+0.6%
Net Margin17.7%26.1%12.9%4.9%4.4%
EPS (GAAP)$1.84$3.23$1.80$0.79$0.80
YoY %+104.4%+75.5%-44.3%-56.1%+1.3%