Consumer Portfolio Services (CPSS)
NASDAQ:CPSS
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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 - $10.22
Previous CloseN/A
Volume9.48K
Average Volume (3M)22.31K
Market Cap
$206.51M
Enterprise Value$3.72B
Total Cash (Recent Filing)$6.32M
Total Debt (Recent Filing)$3.51B
Price to Earnings (P/E)10.6
Beta0.35
Next Earnings
May 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.89
Shares Outstanding21,760,275
10 Day Avg. Volume29,703
30 Day Avg. Volume22,306
Financial Highlights & Ratios
PEG Ratio-4.76
Price to Book (P/B)0.66
Price to Sales (P/S)0.48
P/FCF Ratio0.71
Enterprise Value/Market Cap18.00
Enterprise Value/Revenue8.55
Enterprise Value/Gross Profit14.07
Enterprise Value/Ebitda42.23
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
Strong Cash GenerationMaterial and improving operating cash flow and a 283% free cash flow increase in 2025 provide durable internal liquidity to fund receivable purchases, absorb credit volatility, and support securitizations. Reliable cash conversion enhances resilience and capacity to execute growth without excessive equity raising.
Secured, Diversified Funding CommitmentsLarge, multi-channel funding commitments (Capital One warehouse plus a $900M prime forward-flow) materially reduce execution risk for originations and increase funding optionality. This structural access to capital supports predictable securitization pipelines and scaled portfolio growth over the next 12–18 months.
AI-driven Underwriting Lifts OriginationsProprietary Gen9 AI/ML credit model increases approvals and funded volume, improving origination efficiency and dealer coverage. This durable analytics edge can sustain higher volumes, better risk selection, and margin improvement as models refine cohorts across vintages and scale within the 10,000-dealer network.
Bears Say
Legacy Vintage Credit DragPoor recoveries from 2022–2023 vintages are a structural headwind until they materially run off (management targets de minimis by end-2026). Persistently lower recoveries raise cumulative losses, reduce net yields on the portfolio, and constrain sustainable earnings and capital generation over the medium term.
Volatile, Compressed ProfitabilityWide swings and sustained compression in net margins reduce earnings predictability and capital buffers. Even with revenue growth, flat net income indicates limited operational leverage and exposes returns to funding costs and credit variability, complicating long-term planning and reinvestment.
Funding-cost Sensitivity From SecuritizationsHeavy reliance on securitization debt leaves earnings exposed to rising rates and spread volatility; recent increases in securitization balances and interest expense directly pressure margins and free cash flow. Funding-cost sensitivity can amplify stress during tighter credit markets.
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 $10.22 in the past 12 months.
What is Consumer Portfolio Services’s market cap?
Consumer Portfolio Services’s market cap is $206.51M.
When is Consumer Portfolio Services’s upcoming earnings report date?
Consumer Portfolio Services’s upcoming earnings report date is May 13, 2026 which is in 8 days.
How were Consumer Portfolio Services’s earnings last quarter?
Consumer Portfolio Services released its earnings results on Mar 10, 2026. The company reported $0.21 earnings per share for the quarter, beating the consensus estimate of N/A by $0.21.
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 21,760,275 shares outstanding.
What happened to Consumer Portfolio Services’s price movement after its last earnings report?
Consumer Portfolio Services reported an EPS of $0.21 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.073%.
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
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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 $150.6K 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
6.34%
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 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. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.
CPSS Earnings Call
Q4 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
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Regional Management
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Open Lending
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Ownership Overview
34.96% Insiders
11.33% Mutual Funds
0.34% Other Institutional Investors
47.41% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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