Consumer Portfolio Services, Inc. (CPSS) Stock Price & Analysis
Consumer Portfolio Services, Inc. (CPSS) rose 0.21% to USD 9.45 as of July 25, 2026 at 06:49 UTC, according to Nexqual real-time market data.
CPSS last closed at USD 9.43; the session ranged USD 9.41–9.55 on volume of 10,616 shares. Market capitalization is $205.05M, with a 52-week range of USD 6.67–10.49 (NGM). Source: Nexqual, July 25, 2026 at 06:49 UTC.
Key Statistics (as of July 25, 2026 at 06:49 UTC)
| Price | USD 9.45 |
|---|---|
| Change | ▲ 0.21% (up) |
| Previous Close | USD 9.43 |
| Open | USD 9.43 |
| Day Range | USD 9.41 – 9.55 |
| 52-Week Range | USD 6.67 – 10.49 |
| Volume | 10,616 shares |
| Market Cap | $205.05M |
| Exchange | NGM |
Technical Analysis (CPSS)
Nexqual's technical model rates CPSS "NEUTRAL" based on 3 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 06:49 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 52.49 (neutral) |
| vs SMA50 | Below (USD 9.53) |
| MACD | -0.05 (negative) |
Analyst Ratings (CPSS)
Wall Street analysts rate CPSS "None", per Nexqual as of July 25, 2026 at 06:49 UTC.
| Consensus Rating | None |
|---|
Earnings (CPSS)
| Next Earnings Date | 2026-08-10 |
|---|
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2025-12-31 | USD 0.21 vs est 0.23 ▼ miss |
| 2025-09-30 | USD 0.2 vs est 0.25 ▼ miss |
| 2025-06-30 | USD 0.2 vs est 0.26 ▼ miss |
| 2025-03-31 | USD 0.19 vs est 0.3 ▼ miss |
Source: Nexqual, July 25, 2026 at 06:49 UTC.
Financials & Fundamentals (CPSS)
| Total Revenue | $202.70M |
|---|---|
| Revenue Growth (YoY) | +7.90% |
| Gross Margin | +100.00% |
| Operating Margin | +15.36% |
| Profit Margin | +9.95% |
| ROE | +6.58% |
| Debt / Equity | 1,172.9 |
| Current Ratio | 2.79 |
| Total Cash | $6.94M |
| Total Debt | $3.69B |
Source: Nexqual, July 25, 2026 at 06:49 UTC.
Financial Health Score (CPSS)
Nexqual rates Consumer Portfolio Services, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:49 UTC.
| Growth | Solid — Revenue +10% YoY (annual) |
|---|---|
| Profitability | Solid — Operating margin 15% |
| Balance Sheet | Weak — $7M cash vs $3.69B debt |
| Cash Flow | Solid — Operating cash flow $299M |
| Efficiency | Mixed — ROE 7%, ROA 0.5% |
Ownership (CPSS)
| Insider Ownership | +29.98% |
|---|---|
| Institutional Ownership | +46.30% |
| Shares Outstanding | 21.70M |
| Float | 9.02M |
| Short % of Float | +1.43% |
Source: Nexqual, July 25, 2026 at 06:49 UTC.
Leadership (CPSS)
Consumer Portfolio Services, Inc. is led by Charles E. Bradley (age 65), CEO & Chairman, per Nexqual as of July 25, 2026 at 06:49 UTC.
| CEO & Chairman | Charles E. Bradley (age 65) |
|---|---|
| President, COO & Chief Legal Officer | Michael T. Lavin (age 52) |
| CFO & Executive VP | Denesh Bharwani (age 57) |
| Secretary & Independent Director | Brian J. Rayhill (age 62) |
| Executive Vice President of Sales & Originations | Teri L. Robinson (age 62) |
Major Backers & Investors (CPSS)
Notable institutional backers of Consumer Portfolio Services, Inc. include Black Diamond Capital Management I, LLLP, DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio, Bridgeway Capital Management, LLC, according to Nexqual as of July 25, 2026 at 06:49 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Black Diamond Capital Management I, LLLP | 23.63% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 4.72% |
| Bridgeway Capital Management, LLC | 1.82% |
| Renaissance Technologies | 1.64% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Dimensional Fund Advisors | 7.84% |
| BlackRock | 3.92% |
| Vanguard Group | 3.34% |
| Geode Capital | 1.01% |
| State Street | 0.9% |
| Allianz Asset Management GmbH | 0.74% |
Source: Nexqual, July 25, 2026 at 06:49 UTC.
From Consumer Portfolio Services, Inc.'s Latest SEC 10-K Filing (filed 2026-03-16)
Key Strengths & Strategy (as disclosed to the SEC)
- From inception through December 31, 2025, we have purchased a total of approximately $24.7 billion of automobile contracts from dealers.
- If, upon review by our proprietary automated decisioning system, or in some cases, one of our credit analysts, we determine that the applicant and structure of the automobile financing contract meets our criteria, we advise the dealer of our decision to approve the contract and the terms under which we will purchase it.
- We may, nonetheless, suffer a loss upon theft or physical damage of any financed vehicle if the customer fails to maintain insurance as required by the automobile contract and is unable to pay for repairs to or replacement of the vehicle.   Our technology and human expertise provides for a 360-degree evaluation of an applicant's employment and residence stability, income level and affordability, and creditworthiness in relation to the desired collateral securing the automobile contract.
- We have developed our credit scores utilizing statistical risk management techniques and historical performance data from our managed portfolio.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| OMCC | Old Market Capital Corporation | USD 4.2 | ▲ 0% |
| SNFCA | Security National Financial Cor | USD 9.48 | ▲ 0.96% |
| CZWI | Citizens Community Bancorp, Inc | USD 23.56 | ▲ 1.86% |
| CWBC | Community West Bancshares | USD 25 | ▼ 6.54% |
| CRWS | Crown Crafts, Inc. | USD 2.99 | ▼ 0.33% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:49 UTC. This page is informational and not investment advice.