Consumer Portfolio Services, Inc.
CPSS · Price history
Price at last available close
$9.68
+$0.71 (+7.92%) 1M
2026-10-28
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Company & revenue
About Consumer Portfolio Services, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Consumer Portfolio Services, Inc. is a specialty finance company that purchases retail installment sales contracts from automobile dealerships, primarily for individuals with limited credit histories. The company funds these purchases through securitization markets and generates revenue primarily from the interest income earned on these contracts and servicing fees, while managing credit risk through its underwriting processes.
Products & services
Indirect automobile financing for used and new vehicles, and direct-to-consumer automobile loan refinancing.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Individuals with past credit problems, low incomes, or limited credit historiesSource
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Third-party service providers — Various unnamed third-party service providers that facilitate aspects of the company's business, including receivables originations, accounting, and collection systems.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
54
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
39
Poor
Financial Strength
25
Business Quality / Moat
61
Management
24
Growth Quality
44
Risk / Durability
53
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
69
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
64/100
Building Historical Record
Model Score 64/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for CPSS
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can CPSS maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is CPSS's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is CPSS's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is CPSS's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
54
Opportunity Score
69
Market Cap
$211.6M
P/E Ratio
9.3
EPS
$0.99
52-Week High
$10.49
52-Week Low
$7.30
Beta
1.11
Intrinsic Value
$26.40
Shares Outstanding
24.1M
Total Revenue
$451.6M
Total Debt
$4.01B
Dividend
No current dividend
Liquidation Value / Share
$13.26
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for CPSS
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on CPSS.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established dealer relationships in 48 states.
- +Access to securitization markets for long-term funding.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Dependence on securitization markets for funding.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
53
Sep 17, 2026
Change
+0.8
points
Current Score
54
Oct 1, 2026
Category Changes
CPSS increased 0.8 points because overall fundamentals improved.
Projected Score
Projected Score
59
Projected Change
+5.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 5.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$9.66
Model Intrinsic Value
$26.40
Difference
−$16.74
-63.4% vs IV
Margin of Safety
63.4%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $451.6M | $428.0M | $393.5M | $352.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $117.7M | $1.8M | $185.9M | $124.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $333.9M | $426.2M | $207.6M | $227.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $110.9M | $52.9M | $173.7M | $159.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $178.3M | $166.2M | $180.1M | $166.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $156.5M | $260.0M | $28.3M | $61.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $155.6M | $260.0M | $27.4M | $61.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $242.7M | $232.0M | $191.3M | $146.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $31.3M | $28.0M | $27.4M | $61.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $9.7M | $8.7M | $8.2M | $15.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $21.6M | $19.3M | $19.2M | $45.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.99 | $0.88 | $0.90 | $2.17 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 21.70M | 21.89M | 21.29M | 20.90M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 23.51M | 24.08M | 24.32M | 25.22M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$121.4M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.26
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+17.3%
Cash Change
-95.3%
Margin Change
+0.8 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, net income margin. Pressure indicators included cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 10.6%. EPS increased 30.0%. Cash declined 95.3%. Total debt increased 17.3%. Net income margin improved by 0.8 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
CPS Announces $80.0 Million Securitization of Residual Interests
Consumer Portfolio Services, Inc. (CPSS) Q2 2026 Earnings Call Prepared Remarks Transcript
Consumer Portfolio Services Q2 Earnings Call Highlights
CPS Announces Second Quarter 2026 Earnings
Rumor Mill · CPSS
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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