Is CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 100.0% | |
| Operating Margin | 14.3% | |
| Net Margin | 9.7% | |
| Return on Equity (ROE) | 6.4% | |
| Return on Assets (ROA) | 0.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $289M |
| Free Cash Flow | $288M |
| Total Debt | $3.5B |
| Debt-to-Equity | 1131.7 |
| Current Ratio | 2.5 |
| Total Assets | $3.9B |
Price & Trading
| Last Close | $7.77 |
| 50-Day MA | $8.24 |
| 200-Day MA | $8.53 |
| Avg Volume | 17K |
| Beta | 1.1 |
|
52-Week Range
$6.67
| |
About CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
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Frequently Asked Questions
Is CONSUMER PORTFOLIO SERVICES, INC. (CPSS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), CONSUMER PORTFOLIO SERVICES, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is CONSUMER PORTFOLIO SERVICES, INC.'s debt ratio?
CONSUMER PORTFOLIO SERVICES, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are CONSUMER PORTFOLIO SERVICES, INC.'s key financial metrics?
CONSUMER PORTFOLIO SERVICES, INC. has a market capitalization of $168M, trailing P/E ratio of 9.5, and revenue of $202M. The company maintains a gross margin of 100.0% and a net margin of 9.7%. Return on equity stands at 6.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.