Consumer Portfolio Services, Inc. CPSS R2KFINANCIAL
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
Trades at a P/E of 10.3, below the sector median of 14.5.
Operating margin of 15.8% supports profitability.
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 +17.0%, 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: | 17.00% |
Compounded Profit Growth
| 5 Years: | -2.27% |
| 1 Year: | 35.00% |
Stock Price Performance
| 1 Year: | +7.55% |
| 6 Months: | +17.50% |
| 3 Months: | -0.32% |
| 1 Month: | -1.78% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)51.96 · Neutral
P/E of 10.33 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KFINANCIAL | 9.40 | 10.33 | $203.97M | 0.00% | - | 6.94% | 7.10% | -2.27% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Mar 2026 | Jun 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 | 106.87M | 109.76M | 108.42M | 112.33M | 121.39M |
| 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 | 5.54M | 6.23M |
| 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 | 0.24 | 0.27 |
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 | 329.71M | 352.01M | 393.51M | 434.47M |
| 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 |
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 | 2.16B | 2.75B | 2.90B | 3.49B | 3.86B |
| 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 | 170.21M | 228.39M | 274.67M | 292.77M | 309.54M |
| 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 | 29.93M | 13.49M | 6.17M | 11.71M | 6.32M |
| Long Term Debt | - | - | - | 87.19M | 76.80M | 27.56M | 24.18M | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | - | 739.97M | 904.26M | 976.31M | 1.30B | 1.71B | 1.97B | 2.22B | 2.24B | 2.29B | 2.34B | 2.01B | 1.99B | 2.52B | 2.63B | 3.20B | 3.55B |
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 | 198.19M | 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 | -115.36M | -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 | -50.44M | 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 | -1.98M | -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 | 196.22M | 213.78M | 237.42M | 233.32M | 288.29M |
| 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% | 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Black Diamond Capital Management I, LLLP | 23.79% | 5.13M | $48.30M |
| 2 | Dimensional Fund Advisors LP | 7.29% | 1.57M | $14.79M |
| 3 | Blackrock Inc. | 3.04% | 656.33K | $6.18M |
| 4 | Vanguard Capital Management LLC | 1.93% | 415.82K | $3.92M |
| 5 | Bridgeway Capital Management, LLC | 1.84% | 395.61K | $3.73M |
| 6 | Renaissance Technologies, LLC | 1.58% | 339.96K | $3.20M |
| 7 | Geode Capital Management, LLC | 1.05% | 225.93K | $2.13M |
| 8 | State Street Corporation | 0.91% | 195.84K | $1.84M |
| 9 | Empowered Funds, LLC | 0.70% | 151.76K | $1.43M |
| 10 | Allianz Asset Management GmbH | 0.42% | 90.40K | $851.58K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CPSS
Consumer Portfolio (CPSS) executive trades 7,500 shares - Stock Titan
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Empowered Funds LLC Takes Position in Consumer Portfolio Services, Inc. $CPSS - marketbeat.com
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Consumer Portfolio Services Inc. (CPSS) Key Financial Ratios – Valuation, Profitability & More - Value Research
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Consumer Portfolio Services Inc (CPSS) CEO and 10% Owner BRADLEY CHARLES E JR Sells 125,000 Shares - GuruFocus
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CPSS — Frequently Asked Questions
What is the current share price of Consumer Portfolio Services, Inc. (CPSS)?
As of 2026-09-07 16:24 PDT, Consumer Portfolio Services, Inc. (CPSS) trades at $9.40 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 $203.97M on NasdaqGM.
What is the P/E ratio of CPSS?
CPSS trades at a trailing price-to-earnings (P/E) ratio of 10.33. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 0.64.
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.