Consumer Portfolio Services

Financial Services auto loans customer services finance provider fintech lending risk management

Consumer Portfolio Services operates as a specialty finance company. The Company 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. The Company also acquires installment purchase contracts in four merger and acquisition transactions, and offers financing directly to sub-prime consumers.

Revenue(FY, 2017)

$434.4 M

Market capitalization(2018-05-15)

$76.9 M

Type

Public

Irvine, US

Founded

1991

Size (employees)

960 (est)

Website

consumerportfolio.com

Consumer Portfolio Services was founded in 1991 and is headquartered in Irvine, US

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Key People/Management at Consumer Portfolio Services

Charles Bradley

President and Chief Executive Officer

Michael Lavin

Executive Vice President and Chief Legal Officer

Laurie Straten

Senior Vice President - Servicing

Christopher Terry

Senior Vice President - Servicing Analytics

John Harton

Senior Vice President - Marketing

Danny Bharwani

Senior Vice President - Accounting

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Consumer Portfolio Services Office Locations

Consumer Portfolio Services has an office in Irvine

Irvine, US (HQ)

19500 Jamboree Road Suite 500

Irvine, US

PO Box 57071

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Consumer Portfolio Services Financials and Metrics

Consumer Portfolio Services Financials

Consumer Portfolio Services's revenue was reported to be $434.38 m in FY, 2017

Summary

USD
Revenue (Q1, 2018)	103.6 m
Net income (Q1, 2018)	3.1 m
Market capitalization (15-May-2018)	76.9 m
Closing share price (15-May-2018)	3.6
Cash (31-Mar-2018)	11.6 m

Consumer Portfolio Services's current market capitalization is $76.9 m.

Source: SEC Filings

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Revenue	255.8 m	300.3 m	363.7 m	422.3 m	434.4 m
Revenue growth, %		17%	21%	16%
Sales and marketing expense				17.8 m	15.6 m
General and administrative expense				24.8 m	26.6 m

Quarterly

USD	Q1, 2018
Revenue	103.6 m
Sales and marketing expense	4.2 m
General and administrative expense	7.5 m
Operating expense total	99 m

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Source: SEC Filings

Balance Sheet

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Cash	22.1 m	17.9 m	19.3 m	13.9 m	12.7 m
Accounts Receivable	18.7 m	23.4 m	31.5 m	36.2 m
Inventories
Total Assets				2.4 b

Quarterly

USD	Q1, 2018
Cash	11.6 m
Accounts Payable	33.6 m
Retained Earnings	122.7 m
Total Equity	187.3 m

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Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Net Income	21 m	29.5 m	34.7 m	29.3 m	3.8 m
Depreciation and Amortization	437 k	428 k	637 k	777 k	934 k
Inventories
Accounts Payable	4.3 m	(7.1 m)	6.3 m	25 m	3.2 m

Quarterly

USD	Q1, 2018
Net Income	3.1 m
Depreciation and Amortization	240 k
Accounts Payable	4.9 m
Cash From Operating Activities	63.2 m

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Show all financial metrics

Consumer Portfolio Services Operating Metrics

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
Contracts Purchased, units	59.28 k	14.69 k	16.34 k	17.02 k	64.13 k	19.22 k	19.32 k	14.71 k	66.53 k	14.30 k	14.24 k
Contracts Purchased, volume	$944.90 m	$233.90 m	$269.90 m	$287.50 m	$1.06 b	$312.30 m	$319.10 m	$242.10 m	$1.09 b	$229.60 m	$233.90 m
Managed Portfolio Outstanding, units	124.07 k	129.66 k	135.95 k	143.04 k	149.16 k	157.14 k	164.40 k	167.64 k	169.72 k	172.11 k	173.60 k
Managed Portfolio Outstanding, volume	$1.64 b	$1.73 b	$1.82 b	$1.94 b	$2.03 b	$2.14 b	$2.25 b	$2.29 b	$2.31 b	$2.32 b	$2.34 b