Consumer Portfolio Services Inc (CPSS) - Net Assets
Based on the latest financial reports, Consumer Portfolio Services Inc (CPSS) has net assets worth $307.56 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.81 Billion) and total liabilities ($3.50 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CPSS tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $307.56 Million |
| % of Total Assets | 8.07% |
| Annual Growth Rate | 6.02% |
| 5-Year Change | 119.53% |
| 10-Year Change | 81.67% |
| Growth Volatility | 134.9 |
Consumer Portfolio Services Inc - Net Assets Trend (1996–2024)
This chart illustrates how Consumer Portfolio Services Inc's net assets have evolved over time, based on quarterly financial data. See Consumer Portfolio Services Inc (CPSS) liquidity interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Consumer Portfolio Services Inc (1996–2024)
The table below shows the annual net assets of Consumer Portfolio Services Inc from 1996 to 2024. For live valuation and market cap data, see Consumer Portfolio Services Inc market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $292.77 Million | +6.59% |
| 2023-12-31 | $274.67 Million | +20.26% |
| 2022-12-31 | $228.39 Million | +34.18% |
| 2021-12-31 | $170.21 Million | +27.63% |
| 2020-12-31 | $133.36 Million | -34.19% |
| 2019-12-31 | $202.64 Million | +2.80% |
| 2018-12-31 | $197.12 Million | +7.17% |
| 2017-12-31 | $183.94 Million | -1.22% |
| 2016-12-31 | $186.22 Million | +15.55% |
| 2015-12-31 | $161.16 Million | +26.64% |
| 2014-12-31 | $127.25 Million | +34.51% |
| 2013-12-31 | $94.60 Million | +54.30% |
| 2012-12-31 | $61.31 Million | +531.55% |
| 2011-12-31 | $-14.21 Million | -686.82% |
| 2010-12-31 | $2.42 Million | -93.20% |
| 2009-12-31 | $35.58 Million | -60.40% |
| 2008-12-31 | $89.85 Million | -21.43% |
| 2007-12-31 | $114.36 Million | +2.55% |
| 2006-12-31 | $111.51 Million | +51.53% |
| 2005-12-31 | $73.59 Million | +5.25% |
| 2004-12-31 | $69.92 Million | -14.90% |
| 2003-12-31 | $82.16 Million | -0.50% |
| 2002-12-31 | $82.57 Million | +33.86% |
| 2001-12-31 | $61.69 Million | -0.67% |
| 2000-12-31 | $62.10 Million | -26.42% |
| 1999-12-31 | $84.40 Million | -29.14% |
| 1998-12-31 | $119.10 Million | +44.19% |
| 1997-12-31 | $82.60 Million | +45.17% |
| 1996-12-31 | $56.90 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Consumer Portfolio Services Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1097.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $267.06 Million | 91.22% |
| Common Stock | $25.72 Million | 8.79% |
| Other Comprehensive Income | $-10.00K | 0.00% |
| Total Equity | $292.77 Million | 100.00% |
Consumer Portfolio Services Inc Competitors by Market Cap
The table below lists competitors of Consumer Portfolio Services Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Korea Real Estate Investment & Trust Co Ltd
KO:034830
|
$183.82 Million |
|
H&R GmbH & Co. KGaA
XETRA:2HRA
|
$183.88 Million |
|
Acsion Ltd
JSE:ACS
|
$183.88 Million |
|
HealWELL AI Inc.
TO:AIDX
|
$183.88 Million |
|
Hi-Clearance
TWO:1788
|
$183.75 Million |
|
Honghua Group Limited
F:4HB
|
$183.71 Million |
|
Spurcorp
JSE:SUR
|
$183.69 Million |
|
Intai Technology
TWO:4163
|
$183.62 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Consumer Portfolio Services Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 274,668,000 to 292,770,000, a change of 18,102,000 (6.6%).
- Net income of 19,203,000 contributed positively to equity growth.
- Share repurchases of 12,828,000 reduced equity.
- Other comprehensive income increased equity by 1,857,000.
- Other factors increased equity by 9,870,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $19.20 Million | +6.56% |
| Share Repurchases | $12.83 Million | -4.38% |
| Other Comprehensive Income | $1.86 Million | +0.63% |
| Other Changes | $9.87 Million | +3.37% |
| Total Change | $- | 6.59% |
Book Value vs Market Value Analysis
This analysis compares Consumer Portfolio Services Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.80x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.61x to 0.80x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $3.70 | $9.65 | x |
| 1997-12-31 | $5.22 | $9.65 | x |
| 1998-12-31 | $6.81 | $9.65 | x |
| 1999-12-31 | $4.52 | $9.65 | x |
| 2000-12-31 | $3.08 | $9.65 | x |
| 2001-12-31 | $3.86 | $9.65 | x |
| 2002-12-31 | $3.93 | $9.65 | x |
| 2003-12-31 | $3.81 | $9.65 | x |
| 2004-12-31 | $3.31 | $9.65 | x |
| 2005-12-31 | $3.13 | $9.65 | x |
| 2006-12-31 | $4.64 | $9.65 | x |
| 2007-12-31 | $5.06 | $9.65 | x |
| 2008-12-31 | $4.67 | $9.65 | x |
| 2009-12-31 | $1.91 | $9.65 | x |
| 2010-12-31 | $0.14 | $9.65 | x |
| 2011-12-31 | $-0.75 | $9.65 | x |
| 2012-12-31 | $2.41 | $9.65 | x |
| 2013-12-31 | $3.00 | $9.65 | x |
| 2014-12-31 | $3.97 | $9.65 | x |
| 2015-12-31 | $5.10 | $9.65 | x |
| 2016-12-31 | $6.41 | $9.65 | x |
| 2017-12-31 | $6.76 | $9.65 | x |
| 2018-12-31 | $7.89 | $9.65 | x |
| 2019-12-31 | $8.42 | $9.65 | x |
| 2020-12-31 | $5.56 | $9.65 | x |
| 2021-12-31 | $6.60 | $9.65 | x |
| 2022-12-31 | $8.59 | $9.65 | x |
| 2023-12-31 | $10.89 | $9.65 | x |
| 2024-12-31 | $12.04 | $9.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Consumer Portfolio Services Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.56%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 4.88%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 11.96x
- Recent ROE (6.56%) is above the historical average (-41.79%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 24.74% | 0.00% | 0.00x | 1.79x | $8.40 Million |
| 1997 | 22.40% | 0.00% | 0.00x | 2.73x | $10.24 Million |
| 1998 | 21.58% | 0.00% | 0.00x | 3.63x | $13.79 Million |
| 1999 | -52.76% | 0.00% | 0.00x | 2.65x | $-52.97 Million |
| 2000 | -35.66% | -60.34% | 0.21x | 2.83x | $-28.36 Million |
| 2001 | 0.52% | 0.51% | 0.41x | 2.45x | $-5.85 Million |
| 2002 | 24.71% | 20.74% | 0.34x | 3.46x | $12.15 Million |
| 2003 | 0.48% | 0.38% | 0.21x | 5.99x | $-7.82 Million |
| 2004 | -22.72% | -12.09% | 0.17x | 10.96x | $-22.88 Million |
| 2005 | 4.58% | 1.74% | 0.17x | 15.70x | $-3.99 Million |
| 2006 | 35.47% | 14.18% | 0.16x | 15.50x | $28.40 Million |
| 2007 | 12.12% | 3.51% | 0.17x | 19.96x | $2.42 Million |
| 2008 | -29.04% | -7.08% | 0.22x | 18.24x | $-35.08 Million |
| 2009 | -160.80% | -25.55% | 0.21x | 30.03x | $-60.76 Million |
| 2010 | -1370.38% | -21.38% | 0.21x | 306.65x | $-33.42 Million |
| 2011 | 0.00% | -10.10% | 0.16x | 0.00x | $-13.04 Million |
| 2012 | 113.21% | 37.08% | 0.18x | 16.92x | $63.28 Million |
| 2013 | 22.20% | 8.58% | 0.18x | 14.76x | $11.54 Million |
| 2014 | 23.19% | 9.83% | 0.16x | 14.40x | $16.79 Million |
| 2015 | 21.52% | 9.54% | 0.17x | 13.30x | $18.57 Million |
| 2016 | 15.73% | 6.94% | 0.18x | 12.94x | $10.68 Million |
| 2017 | 2.05% | 0.87% | 0.18x | 13.18x | $-14.63 Million |
| 2018 | 7.54% | 3.81% | 0.16x | 12.61x | $-4.85 Million |
| 2019 | 2.67% | 1.56% | 0.14x | 12.53x | $-14.86 Million |
| 2020 | 16.25% | 7.99% | 0.13x | 16.12x | $8.34 Million |
| 2021 | 27.92% | 17.75% | 0.12x | 12.71x | $30.50 Million |
| 2022 | 37.65% | 26.08% | 0.12x | 12.07x | $63.14 Million |
| 2023 | 16.51% | 12.88% | 0.12x | 10.58x | $17.88 Million |
| 2024 | 6.56% | 4.88% | 0.11x | 11.96x | $-10.07 Million |
Industry Comparison
This section compares Consumer Portfolio Services Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,356,917,589
- Average return on equity (ROE) among peers: 4.63%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Consumer Portfolio Services Inc (CPSS) | $307.56 Million | 24.74% | 11.39x | $183.79 Million |
| Affirm Holdings Inc (AFRM) | $2.58 Billion | -17.12% | 0.89x | $20.82 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $574.47 Million | 13.11% | 22.26x | $1.71 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $992.48 Million | 10.95% | 23.54x | $144.53 Million |
| AIOS Tech Inc. (AIOS) | $211.13 Million | 2.74% | 0.29x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.27 Billion | 9.52% | 12.48x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $158.11 Million |
| Atlanticus Holdings Corporation (ATLC) | $176.40 Million | 33.45% | 0.27x | $1.34 Billion |
| American Express Company (AXP) | $13.86 Billion | 19.27% | 10.34x | $215.64 Billion |
| Bread Financial Holdings, Inc. (BFH) | $1.62 Billion | 17.15% | 15.34x | $4.10 Billion |
| Credit Acceptance Corporation (CACC) | $276.26 Million | 9.05% | 1.72x | $5.46 Billion |
About Consumer Portfolio Services Inc
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of 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 financi… Read more