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Consumer Portfolio Services

OverviewSuggest Edit

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.

TypePublic
Founded1991
HQIrvine, CA, USMap
Websiteconsumerportfolio.com
Employee Ratings3.9More
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Employees (est.) (Dec 2019)1,010(-2%)
Revenue (FY, 2020)$271.2 M(-21%)
Share Price (Mar 2021)$4(-1%)
Cybersecurity ratingBMore

Key People/Management at Consumer Portfolio Services

Michael T. Lavin

Michael T. Lavin

Executive Vice President and Chief Legal Officer
Jeffrey P. Fritz

Jeffrey P. Fritz

Executive Vice President and Chief Financial Officer
Laurie A. Straten

Laurie A. Straten

Senior Vice President - Servicing
Mark A. Creatura

Mark A. Creatura

Senior Vice President and General Counsel
Laurie Straten

Laurie Straten

Senior Vice President - Servicing
Danny Bharwani

Danny Bharwani

Senior Vice President - Accounting
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Consumer Portfolio Services Office Locations

Consumer Portfolio Services has an office in Irvine
Irvine, CA, US (HQ)
19500 Jamboree Rd #500
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Consumer Portfolio Services Financials and Metrics

Consumer Portfolio Services Revenue

Consumer Portfolio Services's revenue was reported to be $271.16 m in FY, 2020
USD

Revenue (FY, 2020)

271.2m

Gross profit (FY, 2020)

20.1m

Gross profit margin (FY, 2020), %

7.4%

Net income (FY, 2020)

21.7m

Market capitalization (31-Mar-2021)

91.7m

Closing stock price (31-Mar-2021)

4.0

Cash (31-Dec-2020)

13.5m

EV

197.3m
Consumer Portfolio Services's current market capitalization is $91.7 m.
Annual
USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Revenue

143.1m187.2m255.8m300.3m363.7m422.3m434.4m389.8m345.8m271.2m

Revenue growth, %

17%21%16%

Cost of goods sold

178.0m218.6m248.0m302.3m372.6m402.3m371.1m336.6m251.0m

Gross profit

9.2m37.2m52.2m61.4m49.7m32.1m18.7m9.2m20.1m
Quarterly
USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020

Revenue

31.2m33.8m44.5m44.2m47.9m54.6m70.5m64.1m68.1m71.6m77.1m86.0m88.4m94.0m100.6m104.9m108.5m107.6m110.1m109.5m103.6m99.4m95.6m88.2m86.3m85.5m70.8m67.3m70.7m

Cost of goods sold

37.6m37.9m44.0m42.8m45.2m48.1m61.9m53.5m56.4m59.3m63.2m71.2m73.2m78.3m88.4m92.6m96.1m99.8m102.1m101.4m99.0m94.7m90.9m85.6m83.6m82.7m67.7m62.6m64.8m

Gross profit

(6.4m)(4.0m)512.0k1.3m2.7m6.5m8.5m10.6m11.8m12.3m13.8m14.7m15.2m15.6m12.2m12.3m12.5m7.8m8.0m8.1m4.6m4.7m4.7m2.7m2.8m2.8m3.1m4.6m5.9m

Gross profit Margin, %

(21%)(12%)1%3%6%12%12%16%17%17%18%17%17%17%12%12%11%7%7%7%4%5%5%3%3%3%4%7%8%
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Annual
USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Cash

10.1m13.0m22.1m17.9m19.3m13.9m12.7m12.8m5.3m13.5m

Accounts Receivable

36.2m

Inventories

PP&E

875.0k726.0k766.0k1.2m1.7m1.8m1.8m1.5m828.0k
Quarterly
USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020

Cash

16.5m9.4m10.6m10.2m10.5m13.9m18.6m24.1m14.6m14.4m13.1m20.2m18.4m20.9m16.2m15.8m11.5m12.1m15.8m12.0m11.6m17.4m10.5m8.9m9.7m8.8m4.5m7.5m11.3m

Accounts Receivable

1.3b1.1b1.0b

PP&E

960.0k975.0k753.0k767.0k800.0k583.0k546.0k607.0k837.0k1.0m1.1m1.4m1.7m1.7m1.7m1.8m1.9m1.9m2.1m1.9m1.6m1.9m1.8m1.8m1.7m1.7m1.4m1.3m988.0k

Total Assets

680.5m870.2m867.3m902.2m922.9m1.1b1.2b1.3b1.5b1.5b1.7b1.9b2.0b2.2b2.2b2.4b2.4b2.4b2.4b2.5b2.4b2.4b2.4b2.5b2.5b2.5b2.5b2.3b2.3b
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Annual
USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Net Income

(14.5m)69.4m21.0m29.5m34.7m29.3m3.8m14.9m5.4m21.7m

Depreciation and Amortization

672.0k543.0k437.0k428.0k637.0k777.0k934.0k992.0k1.1m1.8m

Inventories

287.0k

Accounts Payable

2.8m(6.0m)4.3m(7.1m)6.3m(4.6m)3.2m2.6m(7.4m)(4.1m)
Quarterly
USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020

Net Income

(10.6m)(14.7m)512.0k1.9m4.6m3.8m8.6m14.5m6.7m13.7m21.5m8.3m16.9m25.7m7.2m14.5m21.8m4.5m9.1m13.7m3.1m6.3m9.5m1.7m3.5m5.4m10.8m13.8m17.5m

Depreciation and Amortization

326.0k495.0k152.0k284.0k401.0k143.0k257.0k345.0k94.0k221.0k339.0k148.0k301.0k471.0k175.0k367.0k568.0k228.0k448.0k692.0k240.0k490.0k746.0k251.0k513.0k789.0k419.0k906.0k1.3m

Inventories

699.0k314.0k258.0k464.0k

Accounts Payable

1.3m1.9m(982.0k)(3.2m)(4.5m)4.3m2.8m7.0m26.0k(587.0k)(2.0m)5.0k707.0k7.2m3.4m9.0m4.1m(1.3m)227.0k4.3m4.9m(1.4m)4.6m1.2m1.6m1.9m9.9m338.0k2.0m
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USDQ2, 2011

Debt/Equity

-5.9 x

Debt/Assets

0.1 x

Financial Leverage

-90.9 x
Show all financial metrics

Consumer Portfolio Services Operating Metrics

FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Contracts Purchased, units

59.28 k14.69 k16.34 k17.02 k64.13 k19.22 k19.32 k14.71 k66.53 k14.3 k14.24 k

Contracts Purchased, volume

$944.9 m$233.9 m$269.9 m$287.5 m$1.06 b$312.3 m$319.1 m$242.1 m$1.09 b$229.6 m$233.9 m

Managed Portfolio Outstanding, units

124.07 k129.66 k135.95 k143.04 k149.16 k157.14 k164.4 k167.64 k169.72 k172.11 k173.6 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
Show all operating metrics

Consumer Portfolio Services Revenue Breakdown

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Consumer Portfolio Services revenue breakdown by business segment: 96.9% from Interest Income and 3.1% from Other

Consumer Portfolio Services Cybersecurity Score

Cybersecurity ratingPremium dataset

B

87/100

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Consumer Portfolio Services Online and Social Media Presence

Consumer Portfolio Services's Trends

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 Consumer Portfolio Services Frequently Asked Questions

  • When was Consumer Portfolio Services founded?

    Consumer Portfolio Services was founded in 1991.

  • Who are Consumer Portfolio Services key executives?

    Consumer Portfolio Services's key executives are Michael T. Lavin, Jeffrey P. Fritz and Laurie A. Straten.

  • How many employees does Consumer Portfolio Services have?

    Consumer Portfolio Services has 1,010 employees.

  • What is Consumer Portfolio Services revenue?

    Latest Consumer Portfolio Services annual revenue is $271.2 m.

  • What is Consumer Portfolio Services revenue per employee?

    Latest Consumer Portfolio Services revenue per employee is $268.5 k.

  • Who are Consumer Portfolio Services competitors?

    Competitors of Consumer Portfolio Services include AutoFi, Crédito Real and Crescent Bank & Trust.

  • Where is Consumer Portfolio Services headquarters?

    Consumer Portfolio Services headquarters is located at 19500 Jamboree Rd #500, Irvine.

  • Where are Consumer Portfolio Services offices?

    Consumer Portfolio Services has an office in Irvine.

  • How many offices does Consumer Portfolio Services have?

    Consumer Portfolio Services has 1 office.