# Consumer Portfolio Services, Inc. (CPSS)

> Source: Nexqual · https://nexqual.com/CPSS · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Consumer Portfolio Services, Inc. (CPSS), nexqual.com/CPSS" · informational, not investment advice.

**Price:** USD 9.9 (+7.03% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 9.25 · day 9.25–9.9 · 52w 7.46–10.49 · market cap $217M · NGM

## Key facts
- 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)
| 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)
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
Consensus None.

## Total return (dividends reinvested)
|  | 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) |

## Peers (Credit Services)
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%

## More
Full page: https://nexqual.com/CPSS · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in CPSS's own 10-K filed 2026-03-16 (https://www.sec.gov/Archives/edgar/data/889609/000168316826001856/cps_i10k-123125.htm):

| 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" |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter (ends 2026-06-30) | — | — | — | $0 | — |
| Current fiscal year (ends 2026-12-31) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |