Consumer Portfolio Services, Inc. CPSS R2K
Financial Services · Credit Services · United States
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.
READ MORE ›$9.86
+8.95% 1Y
Market & Price
Market Cap
$213.95M
Current Price
$9.86
High / Low (52W)
$10.30 / $7.28
Beta
1.11
Valuation
Stock P/E
11.60
Industry PE
12.01
Forward P/E
6.80
PEG Ratio
-
Book Value
$14.49
Price to Book
0.68
P/S
1.06
EV/EBITDA
-
Dividend Yield
-
Profitability & Returns
ROCE
-
ROE
6.58%
ROA
0.52%
Profit Margin
9.95%
Op Margin
15.36%
EPS (Latest Qtr)
$0.24
EPS (TTM)
$0.85
Balance Sheet & Liquidity
Debt/Equity
11.73
Quick Ratio
2.67
Current Ratio
2.79
Debt
$3.69B
Total Assets
$3.86B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
33.41%
Chg in Prom Hold
-
FII / Inst Holding
46.25%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$3.89B
Total Revenue (TTM)
$202.70M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$298.91M
Shares Outstanding
21.70M
Gross Margin
100.00%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
-5.80%
Profit 5Y
-39.20%
Revenue (YoY)
7.90%
Earnings (YoY)
26.30%
PROS
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -5.8% CAGR over 5 years.
- Earnings shrank at -39.2% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CPSS Consumer Portfolio Services, Inc. R2K | 9.86 | 11.60 | $213.95M | - | - | 6.58% | -5.80% | -39.20% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Ad space
Quarterly Results
Figures in USD.
| Metric | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 77.05M | 83.47M | 85.99M | 88.36M | 93.99M | 95.31M | 100.65M | 104.93M | 108.52M | 108.18M | 107.60M | 110.07M | 109.49M | 107.22M | 103.56M | 99.36M | 95.63M | 88.23M | 86.33M | 85.52M | 70.77M | 67.29M | 70.67M | 63.11M | 66.77M | 68.56M | 74.37M | 82.02M | 90.31M | 83.10M | 84.86M | 92.08M | 91.74M | 95.88M | 100.58M | 51.96M | 51.06M | 49.32M | 50.11M | 52.27M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 54.92M | 58.70M | 59.10M | 59.30M | 60.06M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.80M | 6.95M | 7.03M | 7.22M | 8.03M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.11M | 2.15M | 2.18M | 2.24M | 2.49M |
| Net Income | 7.78M | 8.01M | 8.33M | 8.54M | 8.84M | 8.97M | 7.21M | 7.27M | 7.35M | 7.46M | 4.48M | 4.57M | 4.66M | -9.95M | 3.15M | 3.17M | 3.20M | 1.74M | 1.80M | 1.84M | 10.79M | 2.97M | 3.77M | 5.16M | 9.71M | 13.68M | 21.11M | 25.32M | 25.41M | 13.82M | 13.95M | 10.38M | 4.59M | 4.67M | 4.80M | 4.69M | 4.80M | 4.85M | 4.98M | 5.54M |
| Diluted EPS | 0.24 | 0.25 | 0.26 | 0.27 | 0.28 | 0.29 | 0.24 | 0.25 | 0.26 | 0.26 | 0.16 | 0.17 | 0.17 | -0.46 | 0.12 | 0.13 | 0.13 | 0.07 | 0.08 | 0.08 | 0.45 | 0.13 | 0.16 | 0.21 | 0.39 | 0.52 | 0.75 | 0.91 | 0.95 | 0.54 | 0.55 | 0.41 | 0.19 | 0.19 | 0.20 | 0.19 | 0.20 | 0.20 | 0.21 | 0.24 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 155.19M | 143.13M | 187.21M | 255.78M | 300.26M | 363.65M | 422.28M | 434.38M | 389.77M | 345.80M | 271.16M | 267.81M | 242.19M | 205.38M | 202.25M | 202.45M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 87.52M | 146.63M | 191.26M | 232.02M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | 116.19M | 61.10M | 27.43M | 28.00M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 30.21M | 15.75M | 8.23M | 8.68M |
| Net Income | -33.18M | -14.46M | 69.41M | 21.00M | 29.52M | 34.68M | 29.30M | 3.77M | 14.86M | 5.41M | 21.68M | 47.52M | 85.98M | 45.34M | 19.20M | 19.32M |
| Diluted EPS | -1.90 | -0.76 | 2.72 | 0.67 | 0.92 | 1.10 | 1.01 | 0.14 | 0.59 | 0.22 | 0.90 | 1.84 | 3.23 | 1.80 | 0.79 | 0.80 |
Compounded Sales Growth
| 5 Years: | -5.80% |
| 1 Year: | 7.90% |
Compounded Profit Growth
| 5 Years: | -39.20% |
| 1 Year: | 26.30% |
Stock Price Performance
| 1 Year: | +8.95% |
| 6 Months: | +17.66% |
| 3 Months: | +21.73% |
| 1 Month: | +8.11% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 742.39M | 890.05M | 1.04B | 1.40B | 1.83B | 2.13B | 2.41B | 2.42B | 2.49B | 2.54B | 2.15B | - | 2.75B | 2.90B | 3.49B | 3.86B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 12.43M | 16.25M | 10.09M | 12.97M | 22.11M | 17.86M | 19.32M | 13.94M | 12.73M | 12.79M | 5.29M | 13.47M | - | 13.49M | 6.17M | 11.71M | 6.32M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | 2.27M | 649.00K | - | - | - |
| Total Liabilities | - | 739.97M | 904.26M | 976.31M | 1.30B | 1.71B | 1.97B | 2.22B | 2.24B | 2.29B | 2.34B | 2.01B | - | 2.52B | 2.63B | 3.20B | 3.55B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | 87.19M | 76.80M | 27.56M | 24.18M | - | - | - | - | - | - | 2.18B | 2.33B | 2.72B | 3.16B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.47B | 2.57B | 3.13B | 3.48B |
| Total Equity | 32.80M | 2.42M | -14.21M | 61.31M | 94.60M | 127.25M | 161.16M | 186.22M | 183.94M | 197.12M | 110.17M | 133.36M | - | 228.39M | 274.67M | 292.77M | 309.54M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | 20.13M | 21.17M | 21.43M | 21.84M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 42.92M | 10.80M | 34.99M | - | - | 187.56M | 196.33M | 215.65M | 216.21M | 216.78M | 238.77M | - | 215.93M | 237.98M | 233.75M | 289.00M |
| Investing Cash Flow | 272.91M | -154.98M | -91.49M | - | - | -441.29M | -437.80M | -210.62M | -242.19M | -229.35M | 93.03M | - | -713.90M | -359.53M | -769.71M | -590.12M |
| Financing Cash Flow | -312.02M | 138.02M | 59.38M | - | - | 255.19M | 242.78M | -7.02M | 31.40M | 23.29M | -328.48M | - | 484.21M | 84.19M | 547.92M | 335.93M |
| Capital Expenditure | -283.00K | -404.00K | -394.00K | -477.00K | -823.00K | -1.19M | -1.08M | -669.00K | -1.08M | -751.00K | -24.00K | - | -2.15M | -559.00K | -433.00K | -709.00K |
| Free Cash Flow | 42.64M | 10.39M | 34.59M | - | - | 186.36M | 195.25M | 214.98M | 215.13M | 216.03M | 238.74M | - | 213.78M | 237.42M | 233.32M | 288.29M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | -13.76M | -37.36M | 11.97M | 34.81M |
| Share Buybacks | 1.45M | 523.00K | 435.00K | 0 | 0 | 5.93M | 10.47M | 12.35M | 5.31M | 1.44M | 1.22M | 25.68M | 46.10M | 20.27M | 12.83M | 8.67M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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% | 35.5% | 22.1% | 9.5% | 9.5% |
| ROE % | -1,370.4% | 101.8% | 113.2% | 22.2% | 23.2% | 21.5% | 15.7% | 2.0% | 7.5% | 4.9% | 16.3% | - | 37.6% | 16.5% | 6.6% | 6.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
33.41%
Institutions
46.25%
Public Float
69.46%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Black Diamond Capital Management I, LLLP | 23.63% | 5.13M | $50.55M |
| 2 | Dimensional Fund Advisors LP | 7.22% | 1.57M | $15.44M |
| 3 | Blackrock Inc. | 2.92% | 634.59K | $6.26M |
| 4 | Vanguard Capital Management LLC | 1.91% | 413.56K | $4.08M |
| 5 | Bridgeway Capital Management, LLC | 1.82% | 395.61K | $3.90M |
| 6 | Renaissance Technologies, LLC | 1.64% | 356.16K | $3.51M |
| 7 | Geode Capital Management, LLC | 1.01% | 218.48K | $2.15M |
| 8 | State Street Corporation | 0.90% | 195.80K | $1.93M |
| 9 | Allianz Asset Management GmbH | 0.74% | 160.04K | $1.58M |
| 10 | Empowered Funds, LLC | 0.70% | 151.76K | $1.50M |
Analyst View
Loading analyst coverage…
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CPSS
No recent headlines available.