Consumer Portfolio Services, Inc. (CPSS) Stock Price & Analysis
Consumer Portfolio Services, Inc. (CPSS) closed at USD 9.9 on Friday, October 23, 2026, up 7.03% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 9.25; the Oct 23, 2026 session ranged USD 9.25–9.9 on volume of 75,336 shares. Market capitalization is $216.86M, with a 52-week range of USD 7.46–10.49 (NGM). Source: Nexqual, retrieved October 24, 2026 at 14:22 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CPSS.md
Key facts (CPSS)
- Last four reported quarters (through Jun 30, 2026): revenue $452M, net income $21.6M (4.8% margin) (SEC filings).
- Valuation: P/E 10.0x (avg 10.2x at the last 3 fiscal year-ends).
- Analysts: None.
- Total return with dividends: 1Y +22.2% vs S&P 500 +13.4%; 5Y +51.6% vs S&P 500 +76.9%.
- Next earnings: 2026-10-22, EPS estimate USD —, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CPSS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $268M | $330M | $352M | $394M | $434M | $452M |
| Net income | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M | $21.6M |
| EPS (diluted) | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 | — |
| Free cash flow | $196M | $214M | $237M | $233M | $288M | $349M |
| Net margin | 17.7% | 26.1% | 12.9% | 4.9% | 4.4% | 4.8% |
| Revenue growth | -1.2% | +23.1% | +6.8% | +11.8% | +10.4% | — |
| Cash + short-term investments | $29.9M | $13.5M | $6.2M | $11.7M | $6.3M | — |
| Total debt | $187M | $363M | $302M | $542M | $501M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CPSS)
P/E 10.0x · P/S 0.5x · P/FCF 0.6x · P/B 0.7x · FCF yield 161.15% · Earnings yield 9.96% · Buyback yield (TTM) 3.33%
P/E at fiscal year-ends: Dec 2025 11.6x, Dec 2024 13.8x, Dec 2023 5.2x.
Analysts (CPSS)
Consensus None.
Total return (dividends reinvested) (CPSS)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +22.2% | +51.6% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +22.3% | +8.7% |
| Volatility (annualized) | 39.8% | 54.6% |
| Max drawdown | -22.1% (Dec 2025→Mar 2026) | -66.2% (May 2022→Oct 2022) |
CPSS suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Ares Agent Services | “In June 2022, we increased the capacity of our credit agreement with Ares Agent Services, L.P. from $100 million to $200” |
| Partner | Capital Management | “In November 2024, we closed a revolving credit agreement with Oaktree Capital Management, which is subordinate to our credit agreement” |
Quoted from the company's 10-K filed Mar 16, 2026.
CPSS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter (ends Jun 2026) | — | — | — | $0 | — |
| Current fiscal year (ends Dec 2026) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
Key Statistics (as of October 24, 2026 at 14:22 UTC)
| Price | USD 9.9 |
|---|---|
| Change | ▲ 7.03% (up) |
| Previous Close | USD 9.25 |
| Open | USD 9.26 |
| Day Range | USD 9.25 – 9.9 |
| 52-Week Range | USD 7.46 – 10.49 |
| Volume | 75,336 shares |
| Market Cap | $216.86M |
| Exchange | NGM |
Technical Analysis (CPSS)
Nexqual's technical model rates CPSS "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 24, 2026 at 14:22 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 66.5 (neutral) |
| vs SMA50 | Above (USD 9.28) |
| MACD | 0 (positive) |
Analyst Ratings (CPSS)
Wall Street analysts rate CPSS "None", per Nexqual as of October 24, 2026 at 14:22 UTC.
| Consensus Rating | None |
|---|
Earnings (CPSS)
| Next Earnings Date | 2026-10-22 |
|---|
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, October 24, 2026 at 14:22 UTC.
Financials & Fundamentals (CPSS)
| Total Revenue | $223.84M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +22.70% |
| Gross Margin | +100.00% |
| Operating Margin | +16.42% |
| Profit Margin | +10.59% |
| ROE | +7.50% |
| Debt / Equity | 13.6 |
| Current Ratio | 5.79 |
| Total Cash | $5.15M |
| Total Debt | $4.41B |
Source: Nexqual, October 24, 2026 at 14:22 UTC.
Financial Health Score (CPSS)
Nexqual rates Consumer Portfolio Services, Inc.'s overall financial health "Mixed" across five dimensions, as of October 24, 2026 at 14:22 UTC.
| Growth | Solid — Revenue +10% YoY (annual) |
|---|---|
| Profitability | Weak — Net margin 4% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Finance Services) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Finance Services) |
| Efficiency | Mixed — ROE 8%, ROA 0.5% |
Ownership (CPSS)
| Insider Ownership | +39.86% |
|---|---|
| Institutional Ownership | +45.33% |
| Shares Outstanding | 21.91M |
| Float | 8.84M |
| Short % of Float | +1.83% |
Source: Nexqual, October 24, 2026 at 14:22 UTC.
Leadership (CPSS)
Consumer Portfolio Services, Inc. is led by Charles E. Bradley, CEO & Chairman, per Nexqual as of October 24, 2026 at 14:22 UTC.
| CEO & Chairman | Charles E. Bradley |
|---|---|
| President, COO & Chief Legal Officer | Michael T. Lavin |
| CFO & Executive VP | Denesh Bharwani |
| Secretary & Independent Director | Brian J. Rayhill |
| Executive Vice President of Sales & Originations | Teri L. Robinson |
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 October 24, 2026 at 14:22 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Black Diamond Capital Management I, LLLP | 23.41% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 4.68% |
| Bridgeway Capital Management, LLC | 1.81% |
| Renaissance Technologies | 1.55% |
| Empowered Funds, LLC | 0.69% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Dimensional Fund Advisors | 7.17% |
| BlackRock | 3% |
| Vanguard Group | 1.9% |
| Geode Capital | 1.03% |
| State Street | 0.89% |
Source: Nexqual, October 24, 2026 at 14:22 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 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 |
|---|---|---|---|
| SWRD | STEWARDS INC | USD 2.5 | ▼ 4.94% |
| QFIN | Qfin Holdings, Inc. | USD 5.26 | ▼ 3.84% |
| FINV | FinVolution Group | USD 2.94 | ▼ 3.92% |
| LU | Lufax Holding Ltd | USD 8.06 | ▼ 4.05% |
| GDOT | Green Dot Corporation | USD 12.36 | ▼ 0.24% |
| PRAA | PRA Group, Inc. | USD 19.08 | ▼ 4.43% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 14:22 UTC. This page is informational and not investment advice.
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