Consumer Portfolio Services, Inc. cash flow to debt ratio of 8.24% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Consumer Portfolio Services, Inc.'s free cash flow has increased 23.56% from $233.32M last year to $288.29M, signaling increasing performance

Consumer Portfolio Services, Inc.'s debt to equity ratio is 12.56, which means that the company's assets are unhealthy financed, signaling financial risk.

Consumer Portfolio Services, Inc.'s debt has increased relative to shareholder equity from 10.78 last year to 12.56 today, signaling weakened financials

Consumer Portfolio Services, Inc. has a net debt to EBITDA ratio of 13.46x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Consumer Portfolio Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Consumer Portfolio Services, Inc.'s profit margin has decreased (1.95%) in the last year from 4.88% to 4.79%, signaling decreasing performance

Consumer Portfolio Services, Inc.'s short-term liabilities of $14.27M exceed its short-term assets of $6.32M, signaling financial risk

Consumer Portfolio Services, Inc.'s return on assets of 0.49% is lower than the 5.00% threshold, indicating inefficient asset utilization

Consumer Portfolio Services, Inc.'s return on equity of 6.91%, is lower than 15.00%, indicating bad performance

Consumer Portfolio Services, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Consumer Portfolio Services, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Consumer Portfolio Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Consumer Portfolio Services, Inc. has a free cash flow yield of 143.63%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Consumer Portfolio Services, Inc.'s yearly earnings has increased 0.64% since last year from $19.20M to $19.32M, signaling increasing performance

Consumer Portfolio Services, Inc.'s yearly revenue has increased 10.41% since last year from $393.51M to $434.47M, signaling increasing performance

ROIC 2.48% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Consumer Portfolio Services, Inc.'s 3-year revenue CAGR of 9.08% is positive, indicating growing revenue over the past 3 years

Consumer Portfolio Services, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Consumer Portfolio Services, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Consumer Portfolio Services, Inc. is undervalued relative to its fair value price of 22.21 based on Discounted Cash Flow model

Consumer Portfolio Services, Inc. has an earnings yield of 10.76%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Consumer Portfolio Services, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Consumer Portfolio Services, Inc. has an EV/EBITDA ratio of 14.24x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Consumer Portfolio Services, Inc. is undervalued relative to its fair value price of 79.10 based on Earnings Fair Value model

Consumer Portfolio Services, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Consumer Portfolio Services, Inc. has a price-to-book ratio of 0.63x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Consumer Portfolio Services, Inc. has a price-to-sales ratio of 0.44x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue