(CPSS) Consumer Portfolio - Ratings and Ratios

Consumer Portfolio Services, Inc. (NASDAQ: CPSS) is a specialty finance company focused on the automotive sector, providing indirect financing for retail automobile purchases. The company purchases and services retail installment contracts from franchised and independent dealers, catering to customers with limited or challenging credit histories. By offering financing alternatives, CPSS enables dealers to sell vehicles to consumers who may not qualify for traditional financing through banks, credit unions, or captive finance companies. Additionally, the company acquires installment contracts through mergers, acquisitions, and purchases from non-affiliated lenders, diversifying its portfolio. Its operations are supported by service branches in California, Nevada, Virginia, Florida, and Illinois. Incorporated in 1991 and headquartered in Las Vegas, Nevada, CPSS operates in the consumer finance sector with a market capitalization of $212.77 million as of the latest data.

From a technical perspective, CPSS has shown recent price stability, with its SMA-20 at 10.94, SMA-50 at 11.06, and SMA-200 at 9.85, indicating a bullish trend above the long-term moving average. The average trading volume over 20 days is 24,498 shares, with an ATR of 0.47, reflecting low volatility. On the fundamental side, the company trades at a P/E ratio of 11.43, with a forward P/E of 4.39, suggesting expectations of future earnings growth. The P/B ratio of 0.88 indicates undervaluation relative to book value, while the P/S ratio of 1.32 points to moderate valuation based on sales. The return on equity (RoE) of 7.45% highlights reasonable profitability.