Want to see CPSS full AI Analyst Report?
CPSS Stock Chart & Stats
$9.27
$0.28(2.97%)
At close: 4:00 PM EDT
$9.27
$0.28(2.97%)
Day’s Range― - ―
52-Week Range$6.67 - $10.49
Previous Close$9.55
Volume16.53K
Average Volume (3M)22.31K
Market Cap
$200.46M
Enterprise Value$4.07K
Total Cash (Recent Filing)$7.50M
Total Debt (Recent Filing)$4.01B
Price to Earnings (P/E)9.4
Beta0.29
Next Earnings
Nov 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.99
Shares Outstanding21,554,714
10 Day Avg. Volume29,703
30 Day Avg. Volume22,306
Financial Highlights & Ratios
PEG Ratio-4.77
Price to Book (P/B)0.66
Price to Sales (P/S)0.48
P/FCF Ratio0.71
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.45
Revenue Forecast (FY)$530.65M
Bulls Say, Bears Say
Bulls Say
Originations And Portfolio GrowthRapid originations and portfolio expansion show strong dealer demand and improving distribution. A larger earning-asset base can support durable revenue growth, provided CPSS maintains underwriting discipline and funding access.
Credit Trends And Underwriting DisciplineImproving delinquencies and charge-offs while keeping a tight credit box suggests growth is not being pursued solely through weaker standards. Sustained discipline could protect loan economics across the credit cycle.
Securitization Platform And Funding AccessA long record of securitization execution and strong senior-note ratings supports CPSS's core funding model. Reliable capital-markets access can help the company scale receivables and manage liquidity over time.
Bears Say
Very High Balance-Sheet LeverageThe highly leveraged capital structure leaves limited equity protection if credit losses rise or asset values weaken. It also increases dependence on continued refinancing and securitization access to support operations.
Elevated Credit Loss ExposureAlthough credit metrics improved, delinquency and charge-off levels remain material for a subprime auto lender. A reversal in borrower performance or vehicle recovery values could reduce earnings and retained securitization economics.
Funding Cost And Margin SensitivityCPSS's spread-based model is exposed to funding costs because receivables are financed through debt and securitizations. Persistently higher rates could compress net interest margins and weaken returns even as originations grow.
Consumer Portfolio Services News
CPSS FAQ
What was Consumer Portfolio Services’s price range in the past 12 months?
Consumer Portfolio Services lowest stock price was $6.67 and its highest was $10.49 in the past 12 months.
What is Consumer Portfolio Services’s market cap?
Consumer Portfolio Services’s market cap is $200.46M.
When is Consumer Portfolio Services’s upcoming earnings report date?
Consumer Portfolio Services’s upcoming earnings report date is Nov 05, 2026 which is in 72 days.
How were Consumer Portfolio Services’s earnings last quarter?
Consumer Portfolio Services released its earnings results on Aug 04, 2026. The company reported $0.27 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Consumer Portfolio Services overvalued?
According to Wall Street analysts Consumer Portfolio Services’s price is currently Overvalued.
Does Consumer Portfolio Services pay dividends?
Consumer Portfolio Services does not currently pay dividends.
What is Consumer Portfolio Services’s EPS estimate?
Consumer Portfolio Services’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Consumer Portfolio Services have?
Consumer Portfolio Services has 21,554,714 shares outstanding.
What happened to Consumer Portfolio Services’s price movement after its last earnings report?
Consumer Portfolio Services reported an EPS of $0.27 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -1.396%.
Which hedge fund is a major shareholder of Consumer Portfolio Services?
Currently, no hedge funds are holding shares in CPSS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Consumer Portfolio Services Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bearish
CPSS Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 102.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $114.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-10.99%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
17.49%
Trailing 12-Months
Company Description
Consumer Portfolio Services
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.
CPSS Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a largely positive operational and financial picture: strong, sustained originations growth (QoQ and YoY), rising revenues, improved profitability and portfolio growth, plus meaningful improvements in several credit metrics and record equity/cash positions. Management maintained disciplined underwriting while expanding sales and dealer networks, and they increased securitization/warehouse capacity. Key risks are higher funding costs (interest and securitization rates), ongoing elevated delinquencies/charge-offs (albeit improving), and recoveries that remain below historical targets. On balance, the positives — robust originations, revenue and earnings growth, portfolio expansion, and improving credit trends — outweigh the listed challenges.View all CPSS earnings summariesTechnical Analysis
Ownership Overview
35.96% Insiders
10.89% Mutual Funds
25.93% Other Institutional Investors
20.02% Public Companies and
Individual Investors