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 - $10.22
Previous CloseN/A
Volume9.48K
Average Volume (3M)22.31K
Market Cap
$179.30M
Enterprise Value$3.69B
Total Cash (Recent Filing)$6.32M
Total Debt (Recent Filing)$3.51B
Price to Earnings (P/E)10.6
Beta0.22
Next Earnings
May 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.21
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 Cap20.57
Enterprise Value/Revenue8.49
Enterprise Value/Gross Profit13.96
Enterprise Value/Ebitda41.90
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
Funding FlexibilityA materially larger revolving warehouse line meaningfully increases CPS’s capacity to purchase receivables and reduces near‑term refinancing stress. Durable funding optionality supports originations scaling, allows timing advantages in securitizations, and lowers the risk that funding constraints cap portfolio growth over the next 2–6 months.
Improving Cash GenerationConsistent and rising operating and free cash flow strengthens CPS’s ability to fund purchases, support securitizations, and absorb credit volatility without dilutive equity raises. Strong cash conversion underpins capital allocation choices, reduces refinancing dependence, and provides a durable buffer during credit cycles.
Data/analytics Driving OriginationsProprietary AI-driven scoring that boosts approvals and funded volume is a sustainable competitive advantage in subprime lending. Improved underwriting throughput and incremental fundings can raise long-term yields per originator, scale dealer relationships, and enhance portfolio selection while preserving credit economics.
Bears Say
High Leverage HistoryA legacy of very high leverage amplifies sensitivity to funding cost cycles and raises refinancing risk for an asset-centric finance model. Even with improved liquidity, large securitization balances increase interest burden and constrain flexibility, elevating structural risk if credit or capital markets tighten.
Compressed And Volatile ProfitabilitySignificant margin compression and year-to-year volatility undermine earnings predictability and limit reinvestment capacity. Revenue gains have not translated into proportional net income, suggesting structural pressure from funding costs and vintage marks that can persist across quarters until funding or credit trends sustainably improve.
Legacy Vintage Credit DragUnderperforming 2022–2023 vintages materially depress recoveries and raise charge-offs, weighing on cash recoveries and net yields until those pools amortize. Management expects runoff by end‑2026, but until then legacy credit losses will structurally suppress margins and cash flow resilience.
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 $179.30M.
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 29 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
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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
Medallion Financial
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Regional Management
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Yiren Digital
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Open Lending
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Oportun Financial
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Ownership Overview
34.29% Insiders
10.77% Mutual Funds
26.48% Other Institutional Investors
22.63% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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