Consumer Portfolio Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Consumer Portfolio Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 16%
Sales fell 16% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-16% / +40%In 3 years sales changed by -16% while total assets changed by +40%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Consumer Portfolio Services, Inc. owes $0.93 for every $1 it owns. Net profit rose 1% in the year to Dec 2025, and shrank 39% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.2Investors pay $10.2 for every $1 of Consumer Portfolio Services, Inc.'s yearly profit, lower than 77% of Financial Services companies in United States.
P/B ratio
0.63The share price is 0.63 times Consumer Portfolio Services, Inc.'s book value per share, lower than 92% of Financial Services companies in United States.
Market cap
$203 MThe total market value of all of Consumer Portfolio Services, Inc.'s shares at today's price (share price × number of shares), smaller than 82% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$319 MWhat Consumer Portfolio Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$14.57Net worth divided by the number of shares. The share price of $9.25 is 0.6 times this, which is the P/B above.
Return on equity (ROE)
6.9%Consumer Portfolio Services, Inc. earned 6.9% on its shareholders' money over the last year, lower than 69% of Financial Services companies in United States.
Owes vs Owns
0.93×Consumer Portfolio Services, Inc. owes $0.93 for every $1 it owns (high), higher than 93% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneConsumer Portfolio Services, Inc. does not currently pay a dividend.
Revenue growth
+0%Revenue rose 0% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
+1%Net profit rose 1% in the year to Dec 2025, and shrank 39% a year on average over 3 years.
Profit margin
9.5%Consumer Portfolio Services, Inc. keeps $10 of every $100 of revenue as net profit.
Questions
What is Consumer Portfolio Services, Inc.'s P/E ratio?
Investors pay $10.2 for every $1 of Consumer Portfolio Services, Inc.'s yearly profit, lower than 77% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Consumer Portfolio Services, Inc.: $203 M ÷ $319 M (30 Jun 2026) = 0.6.
What is Consumer Portfolio Services, Inc.'s return on equity?
Consumer Portfolio Services, Inc. earned 6.9% on its shareholders' money over the last year, lower than 69% of Financial Services companies in United States.
How much does Consumer Portfolio Services, Inc. owe compared with what it owns?
Consumer Portfolio Services, Inc. owes $0.93 for every $1 it owns (high), higher than 93% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Consumer Portfolio Services, Inc. pay a dividend?
No. Consumer Portfolio Services, Inc. does not currently pay a dividend.
Is Consumer Portfolio Services, Inc.'s revenue growing?
Revenue rose 0% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.