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How to buy Consumer Portfolio Services stock | 4.56
Own Consumer Portfolio Services stock in just a few minutes.
Consumer Portfolio Services, Inc is a credit services business based in the US. Consumer Portfolio Services shares (CPSS) are listed on the NASDAQ and all prices are listed in US Dollars. Consumer Portfolio Services employs 834 staff and has a trailing 12-month revenue of around USD$170.8 million.
How to buy shares in Consumer Portfolio Services
- Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
- Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
- Search for Consumer Portfolio Services Find the stock by name or ticker symbol: CPSS. Research its history to confirm it's a solid investment against your financial goals.
- Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Consumer Portfolio Services reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
- Decide on how many to buy. At last close price of USD$4.56, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Consumer Portfolio Services, depending on your broker.
- Check in on your investment. Congratulations, you own a part of Consumer Portfolio Services. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.
What's in this guide?
- CPSS shares summary
- Compare share dealing platforms
- Is CPSS stock a buy or sell?
- Stock performance over time
- Can I short CPSS shares?
- Are CPSS shares over-valued?
- Consumer Portfolio Services's financials
- How volatile are CPSS shares?
- Does Consumer Portfolio Services pay a dividend?
- Have CPSS shares ever split?
- Other common questions
How has coronavirus impacted Consumer Portfolio Services's share price?
Since the stock market crash in March caused by coronavirus, Consumer Portfolio Services's share price has had significant positive movement.
Its last market close was USD$4.56, which is 13.06% up on its pre-crash value of USD$3.9643 and 356.00% up on the lowest point reached during the March crash when the shares fell as low as USD$1.
If you had bought USD$1,000 worth of Consumer Portfolio Services shares at the start of February 2020, those shares would have been worth USD$410.77 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth USD$1,291.80.
Consumer Portfolio Services share price
Use our graph to track the performance of CPSS stocks over time.Consumer Portfolio Services shares at a glance
Information last updated 2020-10-16.
| Latest market close | USD$4.56 |
|---|---|
| 52-week range | USD$1 - USD$5.12 |
| 50-day moving average | USD$3.5494 |
| 200-day moving average | USD$2.9466 |
| Wall St. target price | USD$5.5 |
| PE ratio | 7.0154 |
| Dividend yield | N/A (0%) |
| Earnings per share (TTM) | USD$0.647 |
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Is it a good time to buy Consumer Portfolio Services stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Consumer Portfolio Services price performance over time
Historical closes compared with the close of $4.56 from 2020-10-19
| 1 week (2020-10-13) | 0.66% |
|---|---|
| 1 month (2020-09-18) | 22.58% |
| 3 months (2020-07-20) | 47.10% |
| 6 months (2020-04-20) | 79.53% |
| 1 year (2019-10-18) | 35.71% |
|---|---|
| 2 years (2018-10-19) | 22.58% |
| 3 years (2017-10-20) | -1.41% |
| 5 years (2015-10-20) | -7.32% |
Is Consumer Portfolio Services under- or over-valued?
Valuing Consumer Portfolio Services stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Consumer Portfolio Services's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Consumer Portfolio Services's P/E ratio
Consumer Portfolio Services's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 7x. In other words, Consumer Portfolio Services shares trade at around 7x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Consumer Portfolio Services's PEG ratio
Consumer Portfolio Services's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.33. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Consumer Portfolio Services's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Consumer Portfolio Services financials
| Revenue TTM | USD$170.8 million |
|---|---|
| Operating margin TTM | 6.72% |
| Gross profit TTM | USD$148.1 million |
| Return on assets TTM | 0.64% |
| Return on equity TTM | 9.6% |
| Profit margin | 9.15% |
| Book value | $5.506 |
| Market capitalisation | USD$102.6 million |
TTM: trailing 12 months
Shorting Consumer Portfolio Services shares
There are currently 378,604 Consumer Portfolio Services shares held short by investors – that's known as Consumer Portfolio Services's "short interest". This figure is 14.2% down from 441,400 last month.
There are a few different ways that this level of interest in shorting Consumer Portfolio Services shares can be evaluated.
Consumer Portfolio Services's "short interest ratio" (SIR)
Consumer Portfolio Services's "short interest ratio" (SIR) is the quantity of Consumer Portfolio Services shares currently shorted divided by the average quantity of Consumer Portfolio Services shares traded daily (recently around 19218.47715736). Consumer Portfolio Services's SIR currently stands at 19.7. In other words for every 100,000 Consumer Portfolio Services shares traded daily on the market, roughly 19700 shares are currently held short.
However Consumer Portfolio Services's short interest can also be evaluated against the total number of Consumer Portfolio Services shares, or, against the total number of tradable Consumer Portfolio Services shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Consumer Portfolio Services's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Consumer Portfolio Services shares in existence, roughly 20 shares are currently held short) or 0.0291% of the tradable shares (for every 100,000 tradable Consumer Portfolio Services shares, roughly 29 shares are currently held short).
A SIR above 10% would generally be considered pretty high, pointing to a potentially pessimistic outlook for the share price and a discouraging interest in betting against Consumer Portfolio Services.
Find out more about how you can short Consumer Portfolio Services stock.
Consumer Portfolio Services share dividends
We're not expecting Consumer Portfolio Services to pay a dividend over the next 12 months.
Have Consumer Portfolio Services's shares ever split?
Consumer Portfolio Services's shares were split on a 2:1 basis on 15 March 1996. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Consumer Portfolio Services shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Consumer Portfolio Services shares which in turn could have impacted Consumer Portfolio Services's share price.
Consumer Portfolio Services share price volatility
Over the last 12 months, Consumer Portfolio Services's shares have ranged in value from as little as $1 up to $5.12. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Consumer Portfolio Services's is 2.7347. This would suggest that Consumer Portfolio Services's shares are significantly more volatile than the average for this exchange and represent a higher risk.
Consumer Portfolio Services overview
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It purchases and services retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who might not be able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was founded in 1991 and is headquartered in Irvine, California.
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