CPSS Consumer Portfolio Services, Inc. - Common Stock

NASDAQ · Financial Services · SEC EDGAR에서 보기 ↗
$10.30
가격 · 5월 19, 2026
기준 재무 정보 5월 8, 2026

CPSS 주식 스냅샷 가격, 시가총액, P/E, EPS, ROE, 부채/자본, 52주 범위

가격
$10.30
시가총액
$204M
P/E (TTM)
11.7
EPS (TTM)
$0.80
매출 (TTM)
$434M
배당 수익률
ROE
12.5%
부채/자본
52주 범위
$7 – $10

CPSS 주가 차트 기술 지표가 포함된 일일 OHLCV — 팬, 확대/축소 및 보기 사용자 정의

10년 성과 매출, 순이익, 마진 및 EPS 추세

매출 및 순이익 $434M
10-point trend, +2.9%
2016-12-31 2025-12-31
EPS $0.80
10-point trend, -20.8%
2016-12-31 2025-12-31
잉여현금흐름 $288M
4-point trend, +47.6%
2016-12-31 2025-12-31
마진 4.5%

가치 평가 P/E, P/S, P/B, EV/EBITDA 비율 — 주식이 비싼가요, 싼가요?

지표
5년 추세
CPSS
동종업계 중앙값
P/E (TTM)
5-point trend, +81.1%
11.7
10.5
P/S (TTM)
4-point trend, +64.0%
0.5
0.7
P/B
4-point trend, +1.5%
0.7
1.0
Price / FCF (주가 / FCF)
4-point trend, +14.3%
0.7

수익성 총, 영업 및 순이익률; ROE, ROA, ROIC

지표
5년 추세
CPSS
동종업계 중앙값
Net Profit Margin (순이익률)
4-point trend, -35.9%
4.5%
6.2%
ROA
4-point trend, -58.9%
0.53%
1.4%
ROE
4-point trend, -26.0%
12.5%
6.7%

재무 건전성 부채, 유동성, 지급능력 — 대차대조표 건전성

지표
5년 추세
CPSS
동종업계 중앙값

성장 매출, EPS 및 순이익 성장률: YoY, 3년 CAGR, 5년 CAGR

지표
5년 추세
CPSS
동종업계 중앙값
Revenue YoY (매출 YoY)
5-point trend, +62.2%
10.4%
Revenue CAGR 3Y (매출 CAGR 3년)
5-point trend, +62.2%
9.6%
Revenue CAGR 5Y (매출 CAGR 5년)
5-point trend, +62.2%
9.9%
EPS YoY
5-point trend, -56.5%
1.3%
Net Income YoY (순이익 YoY)
5-point trend, -59.3%
0.64%

주당 지표 EPS, 주당 순자산, 주당 현금 흐름, 주당 배당금

지표
5년 추세
CPSS
동종업계 중앙값
EPS (Diluted) (EPS (희석))
5-point trend, -56.5%
$0.80

자본 효율성 자산 회전율, 재고 회전율, 매출채권 회전율

지표
5년 추세
CPSS
동종업계 중앙값

CPSS 분석가 합의 강세 및 약세 애널리스트 의견, 12개월 목표 주가, 상승 여력

매수 7 명의 애널리스트
  • 적극 매수 3 42.9%
  • 매수 3 42.9%
  • 보유 1 14.3%
  • 매도 0 0.0%
  • 적극 매도 0 0.0%

12개월 목표 주가

1 명의 애널리스트 · 2026-05-08
중앙값 목표 $14.00 +35.9%
평균 목표 $14.00 +35.9%

실적 기록 EPS 실제 vs 예상, 서프라이즈 %, 달성률, 다음 실적 발표일

평균 서프라이즈
-0.07%
기간 EPS Actual EPS 예상 서프라이즈
2025년 12월 31일 $0.21 $0.23 -0.02%
2025년 9월 30일 $0.20 $0.26 -0.06%
2025년 6월 30일 $0.20 $0.27 -0.07%
2025년 3월 31일 $0.19 $0.31 -0.12%

동료 비교 주요 지표 대 섹터 동종 기업

티커 시가총액 P/E 매출 YoY 순이익률 ROE 매출 총이익률
CPSS $204M 11.7 10.4% 4.5% 12.5%
NRDS $966M 21.2 21.7% 5.8% 12.7%
TREE $731M 4.9 24.1% 13.5% 74.7% 31.5%
RM $370M 8.7 9.7% 6.9% 12.1%
OPRT 10.0 -4.5%
MFIN
DFDV
AXP $253.79B 24.1 6.4% 26.2% 32.9%

전체 기본 지표 연도별 모든 지표 — 손익계산서, 대차대조표, 현금흐름

손익계산서 13
CPSS의 연간 손익계산서 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +44.7% $434M $394M $352M $330M $268M $271M $346M $390M $434M $422M $364M $300M
SG&A Expense 12-point trend, +174.6% $53M $55M $50M $38M $35M $32M $33M $31M $27M $25M $20M $19M
Operating Expenses 6-point trend, +61.9% $406M $366M $291M $214M $202M $251M · · · · · ·
Interest Expense 12-point trend, +360.4% $232M $191M $147M $88M $75M $101M $111M $101M $92M $80M $58M $50M
Interest Income 8-point trend, +11.1% $423M $364M $329M $305M $266M $265M $337M $380M · · · ·
Pretax Income 12-point trend, -46.4% $28M $27M $61M $116M $66M $20M $9M $19M $32M $50M $61M $52M
Income Tax 12-point trend, -61.8% $9M $8M $16M $30M $18M $-2M $4M $4M $28M $20M $27M $23M
Net Income 12-point trend, -34.5% $19M $19M $45M $86M $48M $22M $5M $15M $4M $29M $35M $30M
EPS (Basic) 12-point trend, -25.4% $0.88 $0.90 $2.17 $4.10 $2.11 $0.96 $0.24 $0.68 $0.17 $1.20 $1.34 $1.18
EPS (Diluted) 12-point trend, -13.0% $0.80 $0.79 $1.80 $3.23 $1.84 $0.90 $0.22 $0.59 $0.14 $1.01 $1.10 $0.92
Shares (Basic) 12-point trend, -12.6% 21,889,000 21,292,000 20,896,000 20,958,000 22,562,000 22,611,000 22,416,000 21,989,000 22,687,000 24,356,000 25,935,000 25,040,000
Shares (Diluted) 12-point trend, -24.8% 24,081,000 24,325,000 25,218,000 26,589,000 25,780,000 24,003,000 24,064,000 24,988,000 27,214,000 29,035,000 31,584,000 32,032,000
EBITDA 6-point trend, +105.8% $881.0K $862.0K $847.0K · · · · · · $777.0K $637.0K $428.0K
대차대조표 15
CPSS의 연간 대차대조표 데이터
지표 추세 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, -64.6% $6M $12M $6M $13M $30M $13M $5M $13M $13M $14M $19M $18M
PP&E (Net) 12-point trend, -33.6% $771.0K $943.0K $1M $2M $1M $828.0K $2M $2M $2M $2M $2M $1M
PP&E (Gross) 12-point trend, +67.0% $11M $11M $10M $10M $9M $8M $10M $9M $8M $8M $8M $7M
Accum. Depreciation 12-point trend, +88.1% $10M $10M $9M $8M $8M $7M $8M $8M $7M $6M $6M $6M
Other Non-current Assets 12-point trend, +22.7% $29M $36M $26M $31M $35M $32M $40M $27M $23M $30M $23M $24M
Total Assets 12-point trend, +110.5% $3.86B $3.49B $2.90B $2.75B $2.16B $2.15B $2.54B $2.49B $2.42B $2.41B $2.13B $1.83B
Accounts Payable 12-point trend, +201.2% $65M $70M $63M $55M $44M $43M $47M $32M $29M $25M $30M $22M
Total Liabilities 12-point trend, +108.0% $3.55B $3.20B $2.63B $2.52B $1.99B $2.01B $2.34B $2.29B $2.24B $2.22B $1.97B $1.71B
Long-term Debt 2-point trend, -12.3% · · · · · · · · · · $24M $28M
Common Stock 12-point trend, -69.7% $24M $26M $29M $29M $55M $73M $71M $70M $72M $77M $81M $81M
Retained Earnings 12-point trend, +453.0% $286M $267M $248M $203M $117M $69M $140M $134M $120M $116M $86M $52M
AOCI 12-point trend, +74.8% $-1M $-10.0K $-2M $-3M $-2M $-9M $-8M $-8M $-7M $-7M $-7M $-5M
Stockholders' Equity 12-point trend, +143.2% $310M $0 $275M $228M $170M $133M $110M $197M $184M $186M $161M $127M
Liabilities + Equity 12-point trend, +110.5% $3.86B $3.49B $2.90B $2.75B $2.16B $2.15B $2.54B $2.49B $2.42B $2.41B $2.13B $1.83B
Shares Outstanding 12-point trend, -14.5% 21,842,457 21,432,698 21,174,856 20,131,323 21,143,764 22,737,342 22,530,918 22,421,688 21,488,589 23,587,126 25,616,460 25,540,640
현금 흐름 16
CPSS의 연간 현금 흐름 데이터
지표 추세 202520242023202220212020201920182017201620152014
D&A 12-point trend, +105.8% $881.0K $862.0K $847.0K $2M $2M $2M $1M $992.0K $934.0K $777.0K $637.0K $428.0K
Stock-based Comp 11-point trend, -22.9% · $3M $3M $4M $2M $2M $2M $4M $6M $6M $5M $4M
Deferred Tax 3-point trend, -77.8% $1M $2M $6M · · · · · · · · ·
Other Non-cash 6-point trend, +162.1% $267M $211M $188M · · · · · · $161M $147M $102M
Operating Cash Flow 12-point trend, +112.8% $289M $234M $238M $216M $198M $239M $217M $216M $216M $196M $188M $136M
CapEx 12-point trend, -13.9% $709.0K $433.0K $559.0K $2M $2M $24.0K $751.0K $1M $669.0K $1M $1M $823.0K
Investing Cash Flow 11-point trend, -33.7% $-590M $-770M $-360M $-714M $-115M $93M $-229M $-242M $-211M $-438M $-441M ·
Debt Issued 7-point trend, +1065.8% · · · · · $7M $6M $3M $4M $3M $2M $579.0K
Net Debt Issued 3-point trend, +402.8% · · · · · · · · · $3M $2M $579.0K
Stock Repurchased 12-point trend, +8672000.00 $9M $13M $20M $46M $26M $1M $1M $5M $12M $10M $6M $0
Net Stock Activity 6-point trend, -8672000.00 $-9M $-13M $-20M · · · · · · $-10M $-6M $0
Financing Cash Flow 11-point trend, +31.6% $336M $548M $84M $484M $-50M $-328M $23M $31M $-7M $243M $255M ·
Net Change in Cash 12-point trend, +918.5% $35M $12M $-37M $-14M $32M $3M $11M $5M $-2M $1M $1M $-4M
Taxes Paid 12-point trend, +4.7% $7M $12M $4M $16M $14M $-24M $-5M $417.0K $9M $33M $14M $7M
Free Cash Flow 6-point trend, +113.5% $288M $233M $237M · · · · · · $195M $186M $135M
Levered FCF 6-point trend, +20.3% $128M $99M $129M · · · · · · $148M $154M $107M
수익성 5
CPSS의 연간 수익성 데이터
지표 추세 202520242023202220212020201920182017201620152014
Net Margin 6-point trend, -54.7% 4.5% 4.9% 12.9% · · · · · · 6.9% 9.5% 9.8%
Pretax Margin 6-point trend, -62.9% 6.5% 7.0% 17.4% · · · · · · 11.8% 16.9% 17.4%
EBITDA Margin 6-point trend, +42.9% 0.20% 0.22% 0.24% · · · · · · 0.18% 0.18% 0.14%
ROA 6-point trend, -71.0% 0.53% 0.60% 1.6% · · · · · · 1.3% 1.7% 1.8%
ROE 6-point trend, -53.1% 12.5% 6.7% 16.8% · · · · · · 16.9% 24.1% 26.6%
효율성 1
CPSS의 연간 효율성 데이터
지표 추세 202520242023202220212020201920182017201620152014
Asset Turnover 6-point trend, -36.5% 0.1 0.1 0.1 · · · · · · 0.2 0.2 0.2
주당 5
CPSS의 연간 주당 데이터
지표 추세 202520242023202220212020201920182017201620152014
Book Value / Share 6-point trend, +184.4% $14.17 $13.66 $12.97 · · · · · · $7.89 $6.29 $4.98
Revenue / Share 6-point trend, +92.5% $18.04 $16.18 $13.96 · · · · · · $14.54 $11.51 $9.37
Cash Flow / Share 6-point trend, +183.0% $12.00 $9.61 $9.44 · · · · · · $6.76 $5.94 $4.24
Cash / Share 6-point trend, -58.6% $0.29 $0.55 $0.29 · · · · · · $0.59 $0.75 $0.70
EPS (TTM) 12-point trend, -13.0% $0.80 $0.79 $1.80 $3.23 $1.84 $0.90 $0.22 $0.59 $0.14 $1.01 $1.10 $0.92
성장률 9
CPSS의 연간 성장률 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +939.5% 10.4% 11.8% 6.8% 23.1% -1.2% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +5.9% 9.6% 13.7% 9.1% · · · · · · · · ·
Revenue CAGR 5Y 9.9% · · · · · · · · · · ·
EPS YoY 5-point trend, -98.8% 1.3% -56.1% -44.3% 75.5% 104.4% · · · · · · ·
EPS CAGR 3Y 3-point trend, -243.1% -37.2% -24.6% 26.0% · · · · · · · · ·
EPS CAGR 5Y -2.3% · · · · · · · · · · ·
Net Income YoY 5-point trend, -99.5% 0.64% -57.6% -47.3% 80.9% 119.2% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -240.6% -39.2% -26.1% 27.9% · · · · · · · · ·
Net Income CAGR 5Y -2.3% · · · · · · · · · · ·
가치 평가 (TTM) 10
CPSS의 연간 가치 평가 (TTM) 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +44.7% $434M $394M $352M $330M $268M $271M $346M $390M $434M $422M $364M $300M
Net Income TTM 12-point trend, -34.5% $19M $19M $45M $86M $48M $22M $5M $15M $4M $29M $35M $30M
Market Cap 6-point trend, +8.4% $204M $233M $198M · · · · · · $121M $133M $188M
P/E 12-point trend, +45.8% 11.7 13.7 5.2 2.7 6.4 4.7 15.3 5.1 29.6 5.1 4.7 8.0
P/S 6-point trend, -25.1% 0.5 0.6 0.6 · · · · · · 0.3 0.4 0.6
P/B 6-point trend, -55.4% 0.7 0.8 0.7 · · · · · · 0.6 0.8 1.5
P / Tangible Book 6-point trend, -8.9% 0.7 0.8 0.7 0.8 1.5 0.7 · · · · · ·
P / Cash Flow 6-point trend, -49.0% 0.7 1.0 0.8 · · · · · · 0.6 0.7 1.4
P / FCF 6-point trend, -49.2% 0.7 1.0 0.8 · · · · · · 0.6 0.7 1.4
Earnings Yield 12-point trend, -31.4% 8.6% 7.3% 19.2% 36.5% 15.5% 21.2% 6.5% 19.6% 3.4% 19.7% 21.2% 12.5%

재무제표 손익계산서, 대차대조표, 현금흐름 — 연간, 지난 5년

손익계산서
2025-12-312024-12-312023-12-312022-12-312021-12-31
매출 $434M$394M$352M$330M$268M
순이익 $19M$19M$45M$86M$48M
희석 EPS $0.80$0.79$1.80$3.23$1.84
현금 흐름
2025-12-312024-12-312023-12-312022-12-312021-12-31
잉여현금흐름 $288M$233M$237M

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