Consumer Portfolio Services, Inc.

AI-generated fair value estimate for this company.

Method: Justified-multiple earnings model (Gordon growth on EPS): TTM EPS of $1.00 ($21.61M net income / 21.55M shares); 4% sustainable long-run earnings growth; 14% cost of equity (reflecting subprime auto-lending credit risk); implied forward earnings multiple of (1+g)/(Ke-g) = 10.4x applied to TTM EPS.

Reasoning: Consumer Portfolio Services is a specialty finance company (subprime auto loan originator/servicer) whose economics are better captured by an earnings-based cost-of-equity model than a free-cash-flow DCF, since loan-book growth consumes cash in ways that distort FCF for a finance company; the multiple reflects steady historical earnings growth balanced against subprime-credit cyclicality risk.