Consumer Portfolio Services, Inc.
CPSS
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $204.0M
$9.40
▲ +6.70%
P/E
9.89
Mkt Cap
$204.0M
52-Wk Range
$7.30–$10.49
52-Week Range
$7.30 - $10.49
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 21.4% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established dealer relationships and network across five states since 1991
- Specialized expertise in subprime credit underwriting and risk assessment
- In-house servicing infrastructure reducing third-party dependencies
- Alternative financing source for dealers unable to place customers with traditional lenders
- Direct-to-consumer financing capability providing revenue diversification
Bear Case
1 risk
- Average volatility.
Growth
Strong growth ahead
Expansion of dealer network and geographic footprint
Value
Deep value opportunity - significant discount to Digital Payments peers
Momentum
Stable
-0.3% over 3m
Quality
Excellent
Excellent business quality
Dividend
None
No dividend
Smart-money signal
Who's buying CPSS right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 5, 2026
AUG 4, 2026
Most recent quarter reported revenue of $-112.3M. Reported EPS of $0.29. Gross margin 99.6%.
Reported EPS · last 4Q
0 of 1 beats
Q3 26
—
Revenue trend · last 8Q
—
+2%
+4%
+4%
-2%
+107%
+5%
-202%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$50.5M
$52.8M
$106.9M
$109.8M
$108.4M
$109.4M
$112.3M
-$112.3M
Margins · last 8Q
Gross
99.6%
Operating
60.6%
Profit
—
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How CPSS stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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