CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
Finance Services · Financial Services · $212M
Intrinsic Value (Consensus)
$13.27
Current Price
$9.76
Margin of Safety
+36%
36% Below Intrinsic Value
Value: $13
Price: $10
Valuation Model Estimates
Current Price: $9.76
DCF (Discounted Cash Flow)
$168.47
Graham Number
$16.03
Earnings Power Value
$7.77
Relative Value (P/E)
$16.00
Dividend Discount Model
Not applicable
—
Consensus Value
$13.27
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
74
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (136.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.80
- EPS (Forward)
- $0.82
- Book Value
- $14.27
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 6.2%
- Debt/Equity
- 8%
- Revenue Growth
- 10.4%
- Earnings Growth
- 2.0%
- Dividend Yield
- N/A
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-21
Source: Yahoo Finance