Consumer Portfolio Services Inc
NASDAQ:CPSS
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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EV/S
Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.
Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.
Valuation Scenarios
If EV/S returns to its 3-Year Average (8.6), the stock would be worth $8.48 (0% upside from current price).
| Scenario | EV/S Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 8.6 | $8.47 |
0%
|
| 3-Year Average | 8.6 | $8.48 |
+0%
|
| 5-Year Average | 8.4 | $8.35 |
-1%
|
| Industry Average | 5.4 | $5.38 |
-37%
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| Country Average | 3 | $3.01 |
-64%
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Forward EV/S
Today’s price vs future revenue
| Today's Enterprise Value | Revenue | Forward EV/S | ||
|---|---|---|---|---|
|
$3.6B
|
/ |
Jan 2026
$428m
|
= |
|
|
$3.6B
|
/ |
Dec 2026
$491.4m
|
= |
|
Forward EV/S shows whether today’s EV/S still looks high or low once future revenue are taken into account.
Peer Comparison
| Market Cap | EV/S | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Consumer Portfolio Services Inc
NASDAQ:CPSS
|
185m USD | 8.6 | 9.6 | |
| US |
|
American Express Co
NYSE:AXP
|
214.2B USD | 4.8 | 19.3 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
117.9B USD | 0 | 40.8 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.7T INR | 11.3 | 31.5 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
25.7B USD | 0 | 7.3 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.4T INR | 9.9 | 23.1 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
23.4B USD | 0 | 48.7 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.3B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
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1.4T INR | 9.9 | 16 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 10.3 | 32.2 |
Market Distribution
| Min | 0 |
| 30th Percentile | 1.6 |
| Median | 3 |
| 70th Percentile | 5.3 |
| Max | 4 613 320.1 |
Other Multiples
Consumer Portfolio Services Inc
Glance View
Consumer Portfolio Services, Inc. operates as an independent finance company. The company is headquartered in Irvine, California and currently employs 739 full-time employees. The Company’s business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. The company serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. The company also originates vehicle purchase money loans by lending directly to consumers. The company offers eight different financing programs, and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha and Preferred.
