Consumer Portfolio Services (CPSS) Stock Overview
Operates as a specialty finance company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
CPSS Community Fair Values
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Analyst Price Targets
Consumer Portfolio Services, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$9.57 |
| 52 Week High | US$10.49 |
| 52 Week Low | US$6.67 |
| Beta | 1.12 |
| 1 Month Change | 12.99% |
| 3 Month Change | 19.03% |
| 1 Year Change | 9.12% |
| 3 Year Change | -17.64% |
| 5 Year Change | 105.36% |
| Change since IPO | 264.57% |
Recent News & Updates
Recent updates
Consumer Portfolio Services Is A Value Trap
Summary Consumer Portfolio Services trades at a discount but faces significant risks as a specialized subprime auto lender in a volatile market. CPSS's financial performance is highly cyclical, with recent declines in revenue, net income, and returns on equity and assets. Rising subprime auto loan delinquencies, extreme leverage, and sector bankruptcies signal heightened risk and potential for further deterioration. Despite attractive free cash flow and valuation, CPSS is rated a 'Strong Sell' due to its deteriorating fundamentals and exposure to worsening economic conditions. Read the full article on Seeking AlphaFewer Investors Than Expected Jumping On Consumer Portfolio Services, Inc. (NASDAQ:CPSS)
Consumer Portfolio Services, Inc.'s ( NASDAQ:CPSS ) price-to-earnings (or "P/E") ratio of 11.2x might make it look like...Consumer Portfolio Services: Added To Watchlist
Summary CPSS faces elevated delinquency rates, but forecasts suggest potential improvement in used car delinquencies by 2025, indicating a possible turnaround. Despite rising delinquencies, CPSS has achieved 12% year-over-year portfolio growth and improved operational efficiency through AI-driven processes. CPSS trades at a 30% discount to book value, presenting a potential upside if delinquency rates stabilize and portfolio quality improves. Read the full article on Seeking Alpha
Surging Loan Originations And Tech Innovations Promise Bright Future For Financial Growth
Expansion in loan origination and strategic focus on technology upgrades signify potential for revenue growth and operational efficiency improvements.Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks
With a price-to-earnings (or "P/E") ratio of 6.1x Consumer Portfolio Services, Inc. ( NASDAQ:CPSS ) may be sending very...Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift Shares
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting Case
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Consumer Portfolio Services GAAP EPS of $0.91, revenue of $82.01M
Consumer Portfolio Services press release (NASDAQ:CPSS): Q2 GAAP EPS of $0.91. Revenue of $82.01M (+22.8% Y/Y). Pretax income of $34.2 million, a 147% increase over the prior year period. New contract purchases of $548.1 million, a 33.7% increase over the first quarter of 2022. Pretax income for the second quarter of 2022 was $34.2 million compared to pretax income of $13.9 million in the second quarter of 2021, an increase of $20.3 million. Total operating expenses for the second quarter of 2022 were $47.8 million compared to $52.9 million for the 2021 period for a decrease of $5.1 million, or 9.6%.Consumer Portfolio Services doubles credit facility to $200M
Consumer Portfolio Services (NASDAQ:CPSS) increased the capacity of its credit agreement with Ares Agent Services from $100M to $200M. Company may borrow on a revolving basis through January 31, 2024, after which CPS will have the option to repay the outstanding loans in full or to allow them to amortize through January 31, 2028.Shareholder Returns
| CPSS | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -3.2% | -0.4% | 1.1% |
| 1Y | 9.1% | 7.8% | 28.7% |
Return vs Industry: CPSS exceeded the US Consumer Finance industry which returned 7.7% over the past year.
Return vs Market: CPSS underperformed the US Market which returned 28.7% over the past year.
Price Volatility
| CPSS volatility | |
|---|---|
| CPSS Average Weekly Movement | 5.9% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: CPSS has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CPSS's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1991 | 956 | Charles Bradley | www.consumerportfolio.com |
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.
Consumer Portfolio Services, Inc. Fundamentals Summary
| CPSS fundamental statistics | |
|---|---|
| Market cap | US$207.66m |
| Earnings (TTM) | US$20.17m |
| Revenue (TTM) | US$202.70m |
Is CPSS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CPSS income statement (TTM) | |
|---|---|
| Revenue | US$202.70m |
| Cost of Revenue | US$0 |
| Gross Profit | US$202.70m |
| Other Expenses | US$182.53m |
| Earnings | US$20.17m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.93 |
| Gross Margin | 100.00% |
| Net Profit Margin | 9.95% |
| Debt/Equity Ratio | 1,166.9% |
How did CPSS perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/24 06:27 |
| End of Day Share Price | 2026/05/22 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Consumer Portfolio Services, Inc. is covered by 4 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| John Rowan | Brean Capital Historical (Janney Montgomery) |
| David Scharf | Citizens JMP Securities, LLC |
| John Hecht | Jefferies LLC |