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Consumer Portfolio Services (CPSS)
NASDAQ:CPSS
CPSS Stock Chart & Stats
$8.30
>-$0.01(-0.09%)
At close: 4:00 PM EST
$8.30
>-$0.01(-0.09%)
Day’s Range― - ―
52-Week Range$6.67 - $10.51
Previous CloseN/A
Volume9.48K
Average Volume (3M)22.31K
Market Cap
$180.10M
Enterprise Value$3.49B
Total Cash (Recent Filing)$151.89M
Total Debt (Recent Filing)$3.46B
Price to Earnings (P/E)10.1
Beta0.11
Next Earnings
Mar 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.20
Shares Outstanding22,071,047
10 Day Avg. Volume29,703
30 Day Avg. Volume22,306
Financial Highlights & Ratios
PEG Ratio-0.21
Price to Book (P/B)0.79
Price to Sales (P/S)0.59
P/FCF Ratio0.99
Enterprise Value/Market Cap19.38
Enterprise Value/Revenue8.11
Enterprise Value/Gross Profit16.75
Enterprise Value/Ebitda120.12
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
Cash Generation StrengthRobust operating cash conversion and positive free cash flow growth provide durable internal funding for originations, servicing and capital needs. Strong cash generation reduces reliance on equity raises and supports repeat securitization financings and operational resilience over cycles.
High Gross And Operating MarginsSustained high gross and healthy operating margins reflect pricing power and efficiency in loan servicing and fee income. These structural margins create a durable buffer against credit variability and fund investments in analytics and dealer relationships over the medium term.
Strategic Forward-flow PartnershipA large forward-flow with a full-service credit union materially expands origination capacity and diversifies funding/credit mix into prime tiers. The deal leverages CPS’s AI-enabled platform, strengthening distribution, scaling originations and improving long-term franchise value and dealer alignment.
Bears Say
Elevated Financial LeverageVery high leverage materially increases interest expense sensitivity and reduces loss-absorption capacity. In downturns or rising rates, leverage constrains flexibility to hold loans, forces more frequent securitizations, and raises refinancing and creditor covenant risk over the medium term.
Thin Net ProfitabilityLow net margin and modest ROE limit retained earnings and capital buildup, making the firm more reliant on external funding to grow. Narrow profitability provides less cushion for credit losses or elevated costs, increasing vulnerability to prolonged stress in auto credit markets.
Concentration In Sub-prime Auto LendingA core focus on sub-prime auto receivables exposes the company to structural credit-cycle volatility and higher default risk versus prime lenders. Even with AI, portfolio quality can deteriorate in recessions, pressuring margins, funding spreads and capital needs over multiple quarters.
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 $10.51 in the past 12 months.
What is Consumer Portfolio Services’s market cap?
Consumer Portfolio Services’s market cap is $180.10M.
When is Consumer Portfolio Services’s upcoming earnings report date?
Consumer Portfolio Services’s upcoming earnings report date is Mar 23, 2026 which is in 19 days.
How were Consumer Portfolio Services’s earnings last quarter?
Consumer Portfolio Services released its earnings results on Nov 10, 2025. The company reported $0.2 earnings per share for the quarter, missing the consensus estimate of $0.31 by -$0.11.
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 22,071,047 shares outstanding.
What happened to Consumer Portfolio Services’s price movement after its last earnings report?
Consumer Portfolio Services reported an EPS of $0.2 in its last earnings report, missing expectations of $0.31. Following the earnings report the stock price went down -8.304%.
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
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10
Blogger Sentiment
Bullish
CPSS Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 102.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $869.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-10.99%
12-Months-Change
Fundamentals
Return on Equity
6.58%
Trailing 12-Months
Asset Growth
10.02%
Trailing 12-Months
Company Description
Consumer Portfolio Services
Consumer Portfolio Services (CPSS) is a financial services company that specializes in the acquisition and servicing of retail automotive installment contracts. The company operates primarily in the auto finance sector, providing financing solutions to consumers through a network of automotive dealerships. CPSS offers a range of products and services including vehicle financing, loan servicing, and management solutions tailored for individuals with limited credit histories or those seeking subprime auto loans.
CPSS Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call highlighted strong revenue and portfolio growth, record shareholders' equity, and improved credit performance. However, challenges such as flat earnings per share, increased interest expenses, and a lower fair value markup were noted. The company's strategic growth and AI integration in operations show positive momentum.View all CPSS earnings summariesTechnical Analysis
Medallion Financial
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Regional Management
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Yiren Digital
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Open Lending
―
Oportun Financial
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Ownership Overview
34.33% Insiders
10.81% Mutual Funds
1.46% Other Institutional Investors
47.53% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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