Consumer Portfolio Services vs Oppfi
Consumer Portfolio Services and Oppfi are similar in size: $434m and $381m of revenue in their latest fiscal years. Oppfi grew faster (18.6% against 10.4%). Oppfi kept more of each dollar of sales as profit: a net margin of 6.9% against 4.4%. Oppfi carries less debt relative to equity (0.0% against 1069.6%).
| Latest fiscal year | Consumer Portfolio ServicesCPSS, 2025 | OppfiOPFI, 2025 |
|---|---|---|
| Revenue | $434m | $381m |
| Revenue growth | 10.4% | 18.6% |
| Net income | $19.3m | $26.3m |
| Operating margin | — | 43.7% |
| Net margin | 4.4% | 6.9% |
| Return on equity | 12.5% | 57.7% |
| Free cash flow | $288m | $382m |
| Cash | $6.3m | $49.5m |
| Total debt | $3.31bn | $0 |
| Debt to equity | 1069.6% | 0.0% |
| Dividend per share | — | $0.25 |
| Dividend yield | — | — |
| Share buybacks | $8.7m | $15.5m |
| Employees | 928 | 410 |
| Market value | $217m | $498m |
| Price vs our value range | — | — |
| Moat score | 44 (Weak) | 47 (Moderate) |
| Insider trades, 12 months | 0 buys, 8 sales | 0 buys, 0 sales |