Consumer Portfolio Services, In — Earnings Quality Grade F
CPSS · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 0.1%, CFFO 23.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 63.7% is >2x revenue growth 0.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO far exceeds NI (ratio 15.0x). Non-cash charges depressing profits
FCF $0.3B, FCF/NI = 14.92
Accruals ratio = -7.0%. Low accruals
Cash $0.0B covers only 0% of debt $3.5B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor CPSS continuously
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Altman Z-Score — Not Applicable
Consumer Portfolio Services, In is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25