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Consumer Portfolio Service - Fundamentalanalyse - Jahresbericht / Bilanz / Geschäftsbericht

Consumer Portfolio Service (ISIN: US2105021008, WKN: 886210) Kursdatum: 21.07.2017 Kurs: 4,670 USD
Beschreibung Daten
Symbol CPSS
Marktkapitalisierung 135.593.456,00 USD
Land Vereinigte Staaten von Amerika
Indizes NASDAQ Comp.
Sektor Finanzdienstleister
Rohdaten nach US GAAP in Millionen USD
Letztes Bilanz Update 07.03.2017


Fundamental Verhältnisse errechnet am: 21.07.2017
0,69 0,69 0,00% 1,22 7,73 4,62 0,32 0,73


Description of Business Consumer PortfolioServices, Inc. ("CPS")was incorporated in California on March 8, 1991. CPS and its subsidiaries (collectively, the "Company")specialize in purchasing and servicing retail automobile installment sale contracts ("Contracts")originated by licensed motor vehicle dealers ("Dealers")located throughout the United States. Dealers located in California, Texas, Ohio, Florida and Georgia represented 8.9%, 7.9%,6.5%, 5.3% and 5.2%, respectively, of contracts purchased during 2015 compared with 8.7%, 10.0%, 5.7%, 5.0%, and 4.4% respectivelyin 2014. No other state had a concentration in excess of 5.0% in 2015. We specialize in contracts with vehicle purchasers whogenerally would not be expected to qualify for traditional financing provided by commercial banks or automobile manufacturers’captive finance companies. We are subjectto various regulations and laws as they relate to the extension of credit in consumer credit transactions. Failure to comply withsuch laws and regulations could have a material adverse effect on the Company.


Principles of Consolidation The ConsolidatedFinancial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of whichare special purpose subsidiaries ("SPS"),formed to accommodate the structures under which we purchase and securitize our contracts. The Consolidated Financial Statementsalso include the accounts of CPS Leasing, Inc., an 80% owned subsidiary. All significant intercompany balances and transactionshave been eliminated in consolidation.




Earnings Per Share


The followingtable illustrates the computation of basic and diluted earnings per share:


    Year Ended December 31,  
    2015     2014     2013  
    (In thousands, except per share data)  
Numerator for basic and diluted earnings per share   $ 34,681     $ 29,516     $ 21,005  
Denominator for basic earnings per share - weighted average number of common shares outstanding during the year     25,935       25,040       21,538  
Incremental common shares attributable to exercise of outstanding options and warrants     5,649       6,992       10,036  
Denominator for diluted earnings per share     31,584       32,032       31,574  
Basic earnings per share   $ 1.34     $ 1.18     $ 0.98  
Diluted earnings per share   $ 1.10     $ 0.92     $ 0.67  


Incrementalshares of 6.8 million, 4.5 million and 2.1 million related to stock options and warrants have been excluded from the diluted earningsper share calculation for the years ended December 31, 2015, 2014 and 2013, respectively, because the effect is anti-dilutive.