Is Consumer Portfolio Services, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for Consumer Portfolio Services, Inc. has moved from expensive to attractive, indicating a shift towards a more favorable assessment. The company appears undervalued based on its current metrics, with a P/E ratio of 11, a price to book value of 0.69, and an EV to EBITDA of 0.10. In comparison, Guild Holdings Co. has a significantly higher P/E ratio of 34.06, while Regional Management Corp. stands at 17.39, highlighting the relative attractiveness of Consumer Portfolio Services.
Despite the recent valuation improvement, the company has underperformed against the S&P 500 in the short and medium term, with a year-to-date return of -24.13% compared to the index's 12.22%. However, over the past five years, it has delivered a return of 121.51%, outperforming the S&P 500's 96.61%, suggesting potential for recovery and growth.