Consumer Portfolio SERVICES, Inc. (CPSS) intrinsic value & 10-year financials
Consumer Portfolio SERVICES, Inc. (CPSS) has a Graham intrinsic value of $2.33 per share. At $9.15 on Oct 17, 2026, the stock trades 293% above that value. Over the last 10 fiscal years revenue grew 0.3% a year to $434.5M, with an average return on invested capital of 14.7%.
- Graham intrinsic value
- $2.33
- Share price (Oct 17, 2026)
- $9.15
- Price vs Graham value
- 293% above
- Market cap
- $220.3M
- Revenue (FY2025)
- $434.5M
- Revenue growth (10-yr CAGR)
- 0.3%
- ROIC (10-yr avg)
- 14.7%
- Free cash flow (FY2025)
- $288.3M
CPSS 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $434.5M | $19.3M | $0.80 | $288.3M | — | 6.4% |
| FY2024 | $393.5M | $19.2M | $0.79 | $233.3M | — | 6.8% |
| FY2023 | $352.0M | $45.3M | $1.80 | $237.4M | — | 18.0% |
| FY2022 | $329.7M | $86.0M | $3.23 | $213.8M | — | 43.1% |
| FY2021 | $267.8M | $47.5M | $1.84 | $196.2M | — | 31.3% |
| FY2020 | $271.2M | $21.7M | $0.90 | $238.7M | — | 12.9% |
| FY2019 | $345.8M | $5.4M | $0.22 | $216.0M | — | 2.7% |
| FY2018 | $389.8M | $14.9M | $0.59 | $215.1M | — | 7.8% |
| FY2017 | $434.4M | $3.8M | $0.14 | $215.0M | — | 2.0% |
| FY2016 | $422.3M | $29.3M | $1.01 | $195.3M | — | 15.7% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
CONSUMER PORTFOLIO SERVICES, INC. has demonstrated mature, steady growth, with revenue compounding at 0.3% annually over the past decade.
CONSUMER PORTFOLIO SERVICES, INC. returns on capital have been average, hovering around 14.7% ROIC over the decade.
Over the decade, CONSUMER PORTFOLIO SERVICES, INC. shows that management has aggressively returned capital to shareholders by retiring 17.1% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, CONSUMER PORTFOLIO SERVICES, INC. is modeled at -2.6% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $2.33 per share.