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Consumer Portfolio Services, Inc. CPSS R2KFINANCIAL

Financial Services · Credit Services · United States
https://www.consumerportfolio.com
Company Profile ↓
$9.90
+13.27% 1Y
Mkt Cap$216.86M
P/E10.88
P/B0.63
52W High$10.30
52W Low$7.28
Book Value$14.89
EPS (TTM)$0.91

Company Overview

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 company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 10.9, below the sector median of 13.6.

Healthy Margins

Operating margin of 15.8% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $434.47M (+10.4% YoY); net profit $19.32M.
  • Trailing 12 Months Year-on-year growth — revenue +18.9%, earnings +35.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 7.1%, profit CAGR -2.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:7.10%
1 Year:18.90%

Compounded Profit Growth

5 Years:-2.27%
1 Year:35.00%

Stock Price Performance

1 Year:+13.27%
6 Months:+16.88%
3 Months:+6.80%
1 Month:+5.66%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 87% of range
$7.28 $10.30
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)64.34 · Neutral
Price Performance
1M+5.66%
3M+6.80%
6M+16.88%
1Y+13.27%
Valuation vs Sector

P/E of 10.88 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -2.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.88
Industry PE
13.55
Forward P/E
6.83
PEG Ratio
-
Book Value
$14.89
Price to Book
0.63
P/S
0.97
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
7.10%
Profit 5Y
-2.27%
Revenue (YoY)
18.90%
Earnings (YoY)
35.00%

Profitability & Returns

ROCE
-
ROE
6.94%
ROA
0.53%
Profit Margin
10.20%
Op Margin
15.81%
Gross Margin
100.00%
EPS (Latest Qtr)
$0.27
EPS (TTM)
$0.91

Balance Sheet & Liquidity

Debt/Equity
12.61
Quick Ratio
2.97
Current Ratio
3.09
Debt
$4.03B
Total Assets
$4.42B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
39.86%
Chg in Prom Hold
8.86%
FII / Inst Holding
45.33%
Chg in FII Hold
-0.74%

Financial Snapshot

Enterprise Value
$216.86M
Total Revenue (TTM)
$211.77M
EBITDA
-
Free Cash Flow
$288.29M
Operating Cash Flow
$350.54M
Shares Outstanding
21.91M
Gross Margin
100.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CPSS Consumer Portfolio Services, Inc. R2KFINANCIAL 9.90 10.88 $216.86M 0.00% - 6.94% 7.10% -2.27%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2014Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue 77.05M83.47M85.99M88.36M93.99M95.31M100.65M104.93M108.52M108.18M107.60M110.07M109.49M107.22M103.56M99.36M95.63M88.23M86.33M85.52M70.77M67.29M70.67M63.11M66.77M68.56M74.37M82.02M90.31M83.10M84.86M92.08M91.74M95.88M100.58M106.87M109.76M108.42M112.33M121.39M
Net Income 7.78M8.01M8.33M8.54M8.84M8.97M7.21M7.27M7.35M7.46M4.48M4.57M4.66M-9.95M3.15M3.17M3.20M1.74M1.80M1.84M10.79M2.97M3.77M5.16M9.71M13.68M21.11M25.32M25.41M13.82M13.95M10.38M4.59M4.67M4.80M4.69M4.80M4.85M5.54M6.23M
Diluted EPS 0.240.250.260.270.280.290.240.250.260.260.160.170.17-0.460.120.130.130.070.080.080.450.130.160.210.390.520.750.910.950.540.550.410.190.190.200.190.200.200.240.27

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 155.19M143.13M187.21M255.78M300.26M363.65M422.28M434.38M389.77M345.80M271.16M267.81M329.71M352.01M393.51M434.47M
Net Income -33.18M-14.46M69.41M21.00M29.52M34.68M29.30M3.77M14.86M5.41M21.68M47.52M85.98M45.34M19.20M19.32M
Diluted EPS -1.90-0.762.720.670.921.101.010.140.590.220.901.843.231.800.790.80

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -742.39M890.05M1.04B1.40B1.83B2.13B2.41B2.42B2.49B2.54B2.15B2.16B2.75B2.90B3.49B3.86B
Total Equity 32.80M2.42M-14.21M61.31M94.60M127.25M161.16M186.22M183.94M197.12M110.17M133.36M170.21M228.39M274.67M292.77M309.54M
Cash & Equivalents 12.43M16.25M10.09M12.97M22.11M17.86M19.32M13.94M12.73M12.79M5.29M13.47M29.93M13.49M6.17M11.71M6.32M
Long Term Debt ---87.19M76.80M27.56M24.18M----------
Total Liabilities -739.97M904.26M976.31M1.30B1.71B1.97B2.22B2.24B2.29B2.34B2.01B1.99B2.52B2.63B3.20B3.55B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 42.92M10.80M34.99M--187.56M196.33M215.65M216.21M216.78M238.77M198.19M215.93M237.98M233.75M289.00M
Investing Cash Flow 272.91M-154.98M-91.49M---441.29M-437.80M-210.62M-242.19M-229.35M93.03M-115.36M-713.90M-359.53M-769.71M-590.12M
Financing Cash Flow -312.02M138.02M59.38M--255.19M242.78M-7.02M31.40M23.29M-328.48M-50.44M484.21M84.19M547.92M335.93M
Capital Expenditure -283.00K-404.00K-394.00K-477.00K-823.00K-1.19M-1.08M-669.00K-1.08M-751.00K-24.00K-1.98M-2.15M-559.00K-433.00K-709.00K
Free Cash Flow 42.64M10.39M34.59M--186.36M195.25M214.98M215.13M216.03M238.74M196.22M213.78M237.42M233.32M288.29M
Share Buybacks 1.45M523.00K435.00K005.93M10.47M12.35M5.31M1.44M1.22M25.68M46.10M20.27M12.83M8.67M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % -21.4%-10.1%37.1%8.2%9.8%9.5%6.9%0.9%3.8%1.6%8.0%17.7%26.1%12.9%4.9%4.4%
ROE % -1,370.4%101.8%113.2%22.2%23.2%21.5%15.7%2.0%7.5%4.9%16.3%27.9%37.6%16.5%6.6%6.2%
ROCE % ----------------

Shareholding Pattern

Insiders
39.86%
Institutions
45.33%
Public Float
75.37%

Top Institutional Holders

#Holder% HeldSharesValue
1 Black Diamond Capital Management I, LLLP 23.41% 5.13M $48.09M
2 Dimensional Fund Advisors LP 7.17% 1.57M $14.73M
3 Blackrock Inc. 3.00% 656.33K $6.16M
4 Vanguard Capital Management LLC 1.90% 415.82K $3.90M
5 Bridgeway Capital Management, LLC 1.81% 395.61K $3.71M
6 Renaissance Technologies, LLC 1.55% 339.96K $3.19M
7 Geode Capital Management, LLC 1.03% 225.93K $2.12M
8 State Street Corporation 0.89% 195.84K $1.84M
9 Empowered Funds, LLC 0.69% 151.76K $1.42M
10 Allianz Asset Management GmbH 0.41% 90.40K $847.96K

Analyst View

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Latest News

Recent headlines for CPSS

Google News hu, 22 Oct 2026

Consumer Portfolio Services: Q3 Earnings Snapshot - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxOTTRqRlpGNDhNWFhCSlEtQXlWTUMzcWw0eV92dUZDRDZQTFdCS2hkUFQ3R3ZpUTZUYjg2TEg0OU12UGRfN2JwbmM3alpmWmpwQTdvZmZGdnIyZ1NCWUJxa3gycVFxbDNCSmIybk1uSkhaYmpQck5objVTX3VLRzIxZEhqMmo3YXNEM2l0RG…

Google News Fri, 23 Oct 2026

Consumer Portfolio Services Q3 Revenue Rises 22% to $131.9 Million - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxQcVI5cGNyREdrRnhPLUUzdi1sNl9qdTIwN1dnVkhwZG13T096MGI4UUtTVnNYV09KaWNyWnMwcnZBaEJ0cWl6WHVKUzhZYU9kbGNha3FWX21yYkplQ29sRHZVRFVmTUloWkhhVmtsX1hxd2JZVFNjamFjbjdHZkZzaVdxQ2dXRFZxUkNfOX…

Google News hu, 22 Oct 2026

Consumer Portfolio Services will discuss third-quarter results Oct. 26. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxQX1VaVjVsT2lhTGUybDlRNy1vdDRzUVBxR1Iwa2oxTk5wTTlzSkZYei0wX0RwUURNem9FZExrdngxNDZyUGUtZjVhRU9JdWJYMjNRUm1PUi1PREJOUTlKZU83ODZxZE91UEwxLUJXa3F2QnpVdWE2MHlvYl9qTWdhQkVoRzRpdWkyZXIzY3…

Google News Fri, 23 Oct 2026

Consumer Portfolio Services Q3 2026 Earnings Results and Report - MarketBeat

<a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxQUmF5MS1xUDVLVGFxQndfVGxqQTdkQXNKcjV6dkhEQjVibWNrSGxHWkd2OUF6TXpFc0NNREdna2M2SWduR29oNHc3Ui15YXVRbE9EdTVWN1hZMmUxa0V5a1labzNNUmRSdXd4dWhOckd1ZU44QmpUWE5BUFQ1dk9VT24tSmtxa1lhSmVLOU…

Google News hu, 22 Oct 2026

CPS to Host Conference Call on Third Quarter 2026 Earnings - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxPUjFMNHdtZ1RtNmtzSmRKVGI1UGhRaFBibl9KRDZzTEFHNjRpVUpoS0tuc0E1clpQZW95QWlZQXFTd2hHT0Z1eVNRR2Y4S0wzWTlEYXVsUnMydFQwbi0weHhiRzVpRkhRQ3A3M2kxQ0NNY2lqSVJuZHJiaDk5VFRwLUZXSE1KdTVhOE42bG…

Google News Sat, 03 Oct 2026

CPSS Forecast — Price Target — Prediction for 2027 - TradingView

<a href="https://news.google.com/rss/articles/CBMiekFVX3lxTE5sWmFFXzNic1lvZXp5NWMwZm9vZ3RNY1hSOTdDZ2NXaFZQTGJxYkN6YmkwN0ZrTnlVSnhTQk5VWHNoWHg1OFFkUUxQS1RhVmZxd0wzTXU0cW8zdEphNEU1ZElCbWxfUGtjUlJpRElhQ2U1enZZUWlONDZn?oc=5" target="_blank">CPS…

CPSS — Frequently Asked Questions

What is the current share price of Consumer Portfolio Services, Inc. (CPSS)?

As of 2026-10-23 16:27 PDT, Consumer Portfolio Services, Inc. (CPSS) trades at $9.90 on NasdaqGM. Its 52-week range is $7.28 to $10.30.

What is the market capitalisation of CPSS?

Consumer Portfolio Services, Inc. (CPSS) has a market capitalisation of $216.86M on NasdaqGM.

What is the P/E ratio of CPSS?

CPSS trades at a trailing price-to-earnings (P/E) ratio of 10.88. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.63.

What is the return on equity (ROE) of CPSS?

CPSS has a return on equity (ROE) of 6.94%.

Is CPSS a good stock to buy?

This page provides a data-driven analysis of Consumer Portfolio Services, Inc. (CPSS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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