What is Consumer Portfolio Services, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Consumer Portfolio Services, Inc.'s reported free cash flow gives $296.27 per share. The share price was $9.56 on September 25, 2026, 97% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 5.0% | 10.0% | $181.35 | +1,797% |
| Base | 10.0% | 9.0% | $296.27 | +2,999% |
| Bull | 15.0% | 8.0% | $510.63 | +5,241% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $380.99 | $407.12 | $439.05 | $478.96 | $530.28 |
| 8.0% | $317.57 | $334.51 | $354.54 | $378.56 | $407.93 |
| 9.0% | $271.32 | $282.91 | $296.27 | $311.87 | $330.29 |
| 10.0% | $236.17 | $244.41 | $253.74 | $264.41 | $276.72 |
| 11.0% | $208.59 | $214.63 | $221.38 | $228.97 | $237.58 |
Where the presets come from
Base: years 1 to 5 grow at Consumer Portfolio Services, Inc.'s revenue growth rate over the last 5 fiscal years (9.9% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions