Consumer Portfolio Services, Inc. (CPSS) Stock Score, Valuation & Financial Research
Consumer Portfolio Services, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for CPSS
Consumer Portfolio Services, Inc. currently has a Wall Street Score of 53/100. The stored market price is $9.49. Its financial score is 19/100. Its valuation score is 100/100. The latest WSS change is -0.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What Consumer Portfolio Services, Inc. does
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. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The comp
CPSS financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $9.49
- Market capitalization:
- $205.9M
- Revenue:
- $451.6M
- Net income:
- $21.6M
- Free cash flow:
- $288.3M
- Cash:
- $7.5M
- Total debt:
- $4.01B
- EPS:
- 0.99
- P/E ratio:
- 9.6x
- Financial score:
- 19/100
- Valuation score:
- 100/100
- Revenue score:
- 46/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $288.3M, showing positive cash generation.
- The balance sheet shows $7.5M of cash versus $4.01B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.2 points: CPSS decreased 0.2 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 19/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research CPSS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.