Consumer Portfolio Services (CPSS)
NASDAQ:CPSS
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Consumer Portfolio Services
(NASDAQ:CPSS)
Select Model
Select Model
Rating:69Neutral
Price Target:
$10.50
▲(26.51% Upside)
Action:ReiteratedDate:04/25/26
The score is driven primarily by solid cash-flow strength and a favorable earnings-call outlook (funding secured and plans for 2026 growth/margin improvement). Offsetting these positives are compressed/volatile profitability and credit/funding sensitivity typical of the business model, while technicals are only moderately supportive and valuation appears reasonable at ~10.6x earnings.
Positive Factors
Cash Generation
Improved operating cash flow and a ~283% rise in free cash flow indicate stronger cash conversion. Durable cash generation supports ongoing purchases of receivables, funds securitizations and servicing operations, and reduces dependence on short-term market funding under normal conditions.
Negative Factors
Historical Leverage
Very high historical leverage amplifies funding and credit risk for a specialty finance firm. Reliance on securitizations and warehouse lines makes the business sensitive to capital markets dislocations and rising rates, which can quickly pressure liquidity, interest expense and covenant flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Generation
Improved operating cash flow and a ~283% rise in free cash flow indicate stronger cash conversion. Durable cash generation supports ongoing purchases of receivables, funds securitizations and servicing operations, and reduces dependence on short-term market funding under normal conditions.
Read all positive factors
Consumer Portfolio Services (CPSS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$215.64M
Dividend YieldN/A
Average Volume (3M)22.31K
Price to Earnings (P/E)10.3
Beta (1Y)0.35
Revenue Growth14.89%
EPS Growth-2.08%
CountryUS
Employees943
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
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 Cap0.97
Enterprise Value/Revenue0.48
Enterprise Value/Gross Profit0.79
Enterprise Value/Ebitda2.37
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Consumer Portfolio Services Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
CPSS primarily makes money by acquiring auto loan receivables (retail installment sales contracts) at a price designed to generate returns over time and then collecting scheduled payments of principal and interest from borrowers while servicing th...
Consumer Portfolio Services Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 427.97M | 393.51M | 352.01M | 329.71M | 267.81M |
| Gross Profit | 426.21M | 207.56M | 227.68M | 270.29M | 207.16M |
| EBITDA | 260.03M | 28.29M | 61.94M | 117.81M | 67.42M |
| Net Income | 19.32M | 19.20M | 45.34M | 85.98M | 47.52M |
Balance Sheet | |||||
| Total Assets | 3.86B | 3.50B | 2.91B | 2.76B | 2.16B |
| Cash, Cash Equivalents and Short-Term Investments | 6.32M | 137.40M | 125.43M | 162.79M | 176.55M |
| Total Debt | 3.51B | 3.16B | 2.57B | 2.48B | 1.95B |
| Total Liabilities | 3.55B | 3.21B | 2.63B | 2.53B | 1.99B |
| Stockholders Equity | 309.54M | 292.77M | 274.67M | 228.39M | 170.21M |
Cash Flow | |||||
| Free Cash Flow | 289.00M | 233.32M | 237.42M | 213.78M | 196.22M |
| Operating Cash Flow | 289.00M | 233.75M | 237.98M | 215.93M | 198.19M |
| Investing Cash Flow | -590.12M | -769.71M | -359.53M | -713.90M | -115.36M |
| Financing Cash Flow | 335.93M | 547.92M | 84.19M | 484.21M | -50.44M |
Consumer Portfolio Services Technical Analysis
Positive
8.30
Price Trends
8.13
Positive
8.49
Positive
8.41
Positive
Market Momentum
0.14
Negative
65.82
Neutral
96.95
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CPSS, the sentiment is Positive. The current price of 8.3 is above the 20-day moving average (MA) of 7.99, above the 50-day MA of 8.13, and below the 200-day MA of 8.41, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 65.82 is Neutral, neither overbought nor oversold. The STOCH value of 96.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CPSS.
Consumer Portfolio Services Risk Analysis
Consumer Portfolio Services disclosed 33 risk factors in its most recent earnings report. Consumer Portfolio Services reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Consumer Portfolio Services Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $219.79M | 9.96 | 9.85% | 4.44% | 9.67% | -6.40% | |
69 Neutral | $215.64M | 10.30 | 6.34% | ― | 14.89% | -2.08% | |
69 Neutral | $311.97M | 6.48 | 13.16% | 2.99% | 10.51% | 53.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $260.71M | 18.74 | 6.66% | ― | -4.50% | ― | |
62 Neutral | $179.05M | -0.32 | 0.54% | 10.37% | -1.41% | -98.13% | |
52 Neutral | $209.24M | 27.32 | -5.53% | ― | 288.02% | 96.83% |
* Financial Sector Average
CPSS
Consumer Portfolio Services
9.91
0.87
9.62%
MFIN
Medallion Financial
9.21
0.53
6.08%
RM
Regional Management
33.88
6.19
22.36%
YRD
Yiren Digital
2.05
-4.19
-67.17%
LPRO
Open Lending
1.77
0.41
30.15%
OPRT
Oportun Financial
5.70
0.26
4.78%
Consumer Portfolio Services Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Consumer Portfolio Services Completes Major 2026 Securitization Deal
Positive
Apr 24, 2026
On April 22, 2026, Consumer Portfolio Services closed its second term securitization of 2026, a $514.07 million senior subordinate asset-backed note offering backed by $526.17 million in automobile receivables originated by the company and sold th...
Business Operations and StrategyPrivate Placements and Financing
Consumer Portfolio Services Expands Revolving Credit Facility Capacity
Positive
Apr 9, 2026
On April 6, 2026, Consumer Portfolio Services announced that it had amended its two-year revolving credit agreement with Capital One, N.A. and a subordinate lender on April 3, 2026, increasing the warehouse credit facility’s capacity from $1...
Executive/Board ChangesRegulatory Filings and Compliance
Consumer Portfolio Services Updates Executive Incentive Compensation Plans
Neutral
Apr 2, 2026
Consumer Portfolio Services disclosed finalized non-equity incentive plan compensation for its top executives for the fiscal year ended December 31, 2025, updating figures that had been left open in its March 16, 2026 annual filing. The revised co...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Consumer Portfolio Services Updates Investor Presentation on Subprime Lending
Positive
Mar 24, 2026
On Dec. 31, 2025, Consumer Portfolio Services released an updated 19‑slide investor presentation outlining its subprime auto lending business, portfolio metrics and operating model, which it also posted on its investor relations website. The...
Business Operations and StrategyPrivate Placements and Financing
Consumer Portfolio Services Completes $50 Million Residual Securitization
Positive
Mar 4, 2026
On March 4, 2026, Consumer Portfolio Services announced it had closed a $50 million securitization of residual interests from four securitizations originally issued between January and October 2025. In a private offering to qualified institutional...
Executive/Board Changes
Consumer Portfolio Services Adds Veteran Finance Expert to Board
Positive
Feb 24, 2026
On February 18, 2026, Consumer Portfolio Services, Inc. appointed Scott W. Carnahan to its board of directors to fill the vacancy created by the prior resignation of William B. Roberts, with Carnahan’s term running until the 2026 annual meet...
Executive/Board Changes
Consumer Portfolio Services announces director William Roberts’ resignation
Neutral
Feb 5, 2026
On January 30, 2026, Consumer Portfolio Services, Inc. announced that director William B. Roberts resigned from the company’s board, effective the same day. The company emphasized that his departure did not stem from any dispute or disagreem...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.