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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
$202.23M
Enterprise Value$3.69K
Total Cash (Recent Filing)$6.94M
Total Debt (Recent Filing)$3.69B
Price to Earnings (P/E)10.1
Beta0.40
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.92
Shares Outstanding21,698,565
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
Securitization Scale & Track RecordA long, high-quality securitization track record and a record-sized ABS deal demonstrate durable access to the asset-backed markets. Repeated triple-A placements support investor confidence, enabling steady funding of purchased receivables and scalability of originations over months.
Expanded Revolving/warehouse CapacityA materially larger two-year revolving facility increases near-term liquidity to buy dealer-originated contracts, smoothing origination cadence and reducing stop-start funding risk. This structural boost to funding flexibility underpins the core purchase-and-securitize business model.
Strong Cash GenerationConsistent operating cash flow and high free cash flow conversion support self-funded servicing, residual retention in securitizations, and operational resilience. Robust cash generation bolsters capacity to absorb short-term credit volatility and sustain portfolio servicing investments.
Bears Say
Very High LeverageExtremely elevated debt-to-equity materially amplifies refinancing and credit-cycle risk for a subprime auto lender. Small equity cushions make capital and earnings sensitive to rising delinquencies or losses, constraining capital flexibility and increasing systemic vulnerability.
Margin Compression & Profitability VolatilitySharp decline and volatility in margins reduce sustainable earnings power and forecasting reliability. Lower net margins limit reinvestment ability and buffer against credit shocks, making long-term return consistency dependent on improved portfolio performance or funding spreads.
Dependence On Capital Markets FundingThe business structurally relies on ongoing ABS investor demand and warehouse capacity. Market dislocations or tighter ABS pricing could quickly impair origination capacity and increase funding costs, creating a persistent refinancing risk despite recent facility expansions.
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 $202.23M.
When is Consumer Portfolio Services’s upcoming earnings report date?
Consumer Portfolio Services’s upcoming earnings report date is Aug 05, 2026 which is in 2 days.
How were Consumer Portfolio Services’s earnings last quarter?
Consumer Portfolio Services released its earnings results on May 05, 2026. The company reported $0.24 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 21,698,565 shares outstanding.
What happened to Consumer Portfolio Services’s price movement after its last earnings report?
Consumer Portfolio Services reported an EPS of $0.24 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 2.621%.
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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3
4
5
6
7
8
9
10
Hedge Fund Trend
Decreased
By 102.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $67.3K 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
―
Trailing 12-Months
Asset Growth
10.37%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted multiple constructive developments: revenue and interest-income growth, material improvements in core pretax results when excluding nonrecurring fair-value marks, stronger liquidity and funding commitments (warehouse line and prime forward flow), portfolio growth, and improved operating efficiency and credit performance in recent vintages aided by a new AI-driven credit model. Headwinds include higher interest expense from increased securitization debt, muted recoveries driven by legacy 2022–2023 vintages, slightly higher charge-offs, and flat net income/EPS year-over-year. On balance, positive operational and funding momentum and improving vintage performance outweigh the near-term cost and legacy credit pressures.View all CPSS earnings summariesTechnical Analysis
Credit Acceptance
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Regional Management
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OneMain Holdings
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Open Lending
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Oportun Financial
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Ownership Overview
31.95% Insiders
10.81% Mutual Funds
0.30% Other Institutional Investors
49.78% Public Companies and
Individual Investors