CPSS PEER ANALYSIS

Consumer Portfolio Services Inc — metric-by-metric comparison with peers and the industry median

CPSSConsumer Portfolio Services Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

CPSSIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CPSS	VAKFA	GARFA	ISFIN	VAKFN	GSY	Ind. Median
P/E	11.22●	23.40	16.67	16.96	19.72	—	16.27
P/B	0.72●	1.46	1.90	0.94	1.03	0.98	2.03
EV/EBITDA	43.38	—	—	—	—	6.37●	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CPSS	VAKFA	GARFA	ISFIN	VAKFN	GSY	Ind. Median
Current Ratio	1.53	—	—	—	—	—	1.20
Debt/Equity	1,174.2%	0.0%●	0.0%●	0.0%●	0.0%●	599.1%	116.1%
NetDebt/EBITDA	40.87	—	—	—	—	5.42●	2.39

Profitability
Metric	CPSS	VAKFA	GARFA	ISFIN	VAKFN	GSY	Ind. Median
Net Margin	4.6%●	—	—	—	—	-15.8%	10.0%
ROE	6.6%	7.3%	13.5%●	6.3%	5.8%	-27.7%	13.4%
ROA	0.5%●	—	—	—	—	-4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	CPSS	VAKFA	GARFA	ISFIN	VAKFN	GSY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	4.5%	—	—	—	—	—	19.9%
Div. Yield	—	—	—	—	—	9.4%	1.2%
Payout	—	—	—	—	—	-33.6%	16.3%

Valuation
Metric	CPSS	FOA	PMTS	OPFI	LPRO	RM	Ind. Median
P/E	11.22	6.14	19.76	3.99●	—	8.25	16.27
P/B	0.72	0.62	-17.25●	3.49	4.86	1.07	2.03
EV/EBITDA	43.38	58.79	6.80	2.88●	60.38	15.51	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CPSS	FOA	PMTS	OPFI	LPRO	RM	Ind. Median
Current Ratio	1.53	0.11	2.54	1.14	4.44	6.52●	1.20
Debt/Equity	1,174.2%	8,845.5%	-2,068.6%●	397.6%	113.0%	441.8%	116.1%
NetDebt/EBITDA	40.87	58.38	3.59	1.36	-22.64●	12.32	2.39

Profitability
Metric	CPSS	FOA	PMTS	OPFI	LPRO	RM	Ind. Median
Net Margin	4.6%	1.6%	2.2%	10.9%●	-5.9%	7.4%	10.0%
ROE	6.6%	10.2%	—	134.6%●	-6.8%	13.3%	13.4%
ROA	0.5%	0.1%	3.3%	9.7%●	-2.0%	2.5%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	CPSS	FOA	PMTS	OPFI	LPRO	RM	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	4.5%	-38.9%	-35.1%	—	—	47.8%●	19.9%
Div. Yield	—	0.6%	—	24.3%●	—	2.8%	1.2%
Payout	—	4.1%	—	96.9%	—	24.1%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.