CPSS Stock Forecast, Price Targets, Chart, Dividends & Analysis
Consumer Portfolio Services Inc.
CPSS 
NSD
Sector: Financial Services
Industry: Credit Services
10.58
USD
-0.31
(-2.85%)
Previous close: 10.89 Open: 10.89 Bid: 8.05 Ask: 17.1
52 week range
7.03 12.04
Mkt Cap: 234 M Avg Vol (90 Days): 30,229
Last updated: Friday 20th December 2024
Metrics
Valuation
Price per Sales TTM ($) | 1.26 |
Price per Book TTM ($) | 0.82 |
PE Ratio (TTM) | 12.54 |
Book Value per Share ($) | 13.32 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -2.85% | |
1 Month Return | 1.73% | |
3 Month Return | 6.87% | |
1 Year Return | 7.09% | |
3 Year Return | 31.76% | |
5 Year Return | 215.99% | |
YTD Return | 12.91% |
Risk
Financial Health
Technicals
RSI (14 Day) | 49.32 |
14 Day SMA ($) | 10.75 |
14 Day EMA ($) | 10.74 |
Money Flow Index | 51.02 |
Average True Range | 0.40 |
50 Day SMA ($) | 10.33 |
200 Day SMA ($) | 9.21 |
ADX | 20.36 |
MACD | 0.33 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
CPSS Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Basic EPS from continuing operations | 1.18 | 1.34 | 1.2 | 0.17 | 0.68 | 0.24 | 0.96 | 2.11 | 4.1 | 2.17 |
| Basic EPS total | 1.18 | 1.34 | 1.2 | 0.17 | 0.68 | 0.24 | 0.96 | 2.11 | 4.1 | 2.17 |
| Basic weighted shares outstanding | 25 M | 26 M | 24 M | 23 M | 22 M | 22 M | 23 M | 23 M | 21 M | 21 M |
| CreditLossesProvision | 108 M | 143 M | 179 M | 187 M | 133 M | 86 M | 14 M | 15 M | 28 M | 22 M |
| Depreciation | 428000.0 | 637000.0 | 777000.0 | 934000.0 | 992000.0 | 1 M | 2 M | 2 M | 2 M | 847000.0 |
| Depreciation unreconciled | 428000.0 | 637000.0 | 777000.0 | 934000.0 | 992000.0 | 1 M | 2 M | 2 M | 2 M | 847000.0 |
| DepreciationAndAmortization | 428000.0 | 637000.0 | 777000.0 | 934000.0 | 992000.0 | 1 M | 2 M | 2 M | 2 M | 847000.0 |
| Diluted EPS total | 0.92 | 1.1 | 1.01 | 0.14 | 0.59 | 0.22 | 0.9 | 1.84 | 3.23 | 1.8 |
| Diluted normalized net income/share | 0.92 | 1.1 | 1.01 | 0.14 | 0.59 | 0.22 | 0.9 | 1.84 | 3.23 | 1.8 |
| Diluted weighted shares outstanding | 32 M | 32 M | 29 M | 27 M | 25 M | 24 M | 24 M | 26 M | 27 M | 25 M |
| FeesAndCommissions | 288 M | 350 M | 409 M | 424 M | 380 M | 337 M | 295 M | 266 M | 305 M | 329 M |
| GeneralAndAdministrativeExpense | 19 M | 20 M | 25 M | 27 M | 31 M | 33 M | 32 M | 35 M | 38 M | 50 M |
| Income before tax | 52 M | 61 M | 50 M | 32 M | 19 M | 9 M | 20 M | 66 M | 116 M | 61 M |
| Income taxes | 23 M | 27 M | 20 M | 28 M | 4 M | 4 M | -2 M | 18 M | 30 M | 16 M |
| Interest expense | -50 M | -58 M | -80 M | -92 M | -101 M | 111 M | 101 M | 75 M | 88 M | 147 M |
| InterestExpenseForLongTermDebt | -2 M | -2 M | ||||||||
| InterestExpenseForLongTermDebtAndCapitalSecurities | -2 M | -2 M | ||||||||
| InterestExpenseForShortTermDebt | -39 M | -49 M | ||||||||
| InterestIncome | 12 M | 14 M | 13 M | 10 M | 9 M | 9 M | -24 M | 2 M | 24 M | 23 M |
| InterestIncomeAfterProvisionForLoanLoss | -146 M | -187 M | -245 M | -269 M | -225 M | -188 M | -139 M | -88 M | -91 M | -146 M |
| InterestIncomeFromInvestmentSecurities | 286 M | 350 M | 409 M | 424 M | 335 M | 337 M | 265 M | 262 M | 305 M | 329 M |
| InterestIncomeFromSecurities | 286 M | 350 M | 409 M | 424 M | 335 M | 337 M | 265 M | 262 M | 305 M | 329 M |
| Net income from total operations | 30 M | 35 M | 29 M | 4 M | 15 M | 5 M | 22 M | 48 M | 86 M | 45 M |
| NetIncomeCommonStockholders | 30 M | 35 M | 29 M | 4 M | 15 M | 5 M | 22 M | 48 M | 86 M | 45 M |
| NetIncomeContinuousOperations | 30 M | 35 M | 29 M | 4 M | 15 M | 5 M | 22 M | 48 M | 86 M | 45 M |
| NetInterestIncome | -38 M | -44 M | -67 M | -82 M | -92 M | -102 M | -125 M | -74 M | -63 M | -124 M |
| NetOccupancyExpense | 3 M | 4 M | 5 M | 7 M | 8 M | 7 M | 7 M | 8 M | 8 M | 6 M |
| NonInterestExpense | 89 M | 102 M | 114 M | 123 M | 137 M | 140 M | 136 M | 141 M | 182 M | 189 M |
| NonInterestIncome | 288 M | 350 M | 409 M | 424 M | 380 M | 337 M | 295 M | 266 M | 305 M | 329 M |
| Normalized income | 71 M | |||||||||
| OccupancyAndEquipment | 3 M | 4 M | 5 M | 7 M | 8 M | 7 M | 7 M | 8 M | 8 M | 6 M |
| Other special charges | -7 M | -12 M | -81 M | -56 M | 28 M | 22 M | ||||
| OtherCustomerServices | 288 M | 350 M | 409 M | 424 M | 380 M | 337 M | 295 M | 266 M | 305 M | 329 M |
| OtherGandA | 19 M | 20 M | 25 M | 27 M | 31 M | 33 M | 32 M | 35 M | 38 M | 50 M |
| OtherInterestExpense | 50 M | 58 M | 80 M | 92 M | 101 M | 111 M | 101 M | 75 M | 88 M | 147 M |
| OtherInterestIncome | 12 M | 14 M | 13 M | 10 M | 9 M | 9 M | -24 M | 2 M | 24 M | 23 M |
| OtherNonInterestExpense | -7 M | 8 M | 9 M | 8 M | 8 M | 6 M | ||||
| RentAndLandingFees | -3 M | -4 M | -5 M | -6 M | -7 M | |||||
| SalariesAndWages | 50 M | 60 M | 66 M | 73 M | 79 M | 81 M | 80 M | 81 M | 84 M | 88 M |
| SecuritiesActivities | -372000.0 | |||||||||
| Selling Gen & administrative expense | 85 M | 97 M | 108 M | 115 M | 128 M | 132 M | 126 M | 132 M | 145 M | 159 M |
| SellingAndMarketingExpense | 16 M | 17 M | 18 M | 16 M | 18 M | 18 M | 14 M | 17 M | 23 M | 21 M |
| Special income/charges | 24 M | 28 M | 34 M | 39 M | 60 M | 47 M | 91 M | 69 M | -28 M | -22 M |
| Total common shares outstanding | 26 M | 25 M | 24 M | 22 M | 22 M | 23 M | 23 M | 21 M | 21 M | 21 M |
| Total net income | 30 M | 35 M | 29 M | 4 M | 15 M | 5 M | 22 M | 48 M | 86 M | 45 M |
| Total ordinary shares | 21 M | 21 M | 21 M | 21 M | 21 M | 21 M | 21 M | 21 M | 21 M | 21 M |
| Total revenues | 250 M | 306 M | 342 M | 342 M | 288 M | 235 M | 170 M | 193 M | 242 M | 205 M |
| TotalRevenue | 250 M | 306 M | 342 M | 342 M | 288 M | 235 M | 170 M | 193 M | 242 M | 205 M |
| WriteOff | -24 M | -28 M | -34 M | -39 M | -46 M | -43 M | -19 M | -21 M | -12 M |
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