Consumer Portfolio Services (CPSS) Stock Price, News & Analysis

Company Overview

Consumer Portfolio Services, Inc. is a specialty finance company focused on originating and servicing retail installment contracts for the automotive industry. The company primarily serves subprime and near-prime borrowers by partnering with a network of franchised and independent auto dealers across the United States. By providing flexible financing solutions, CPS seeks to expand vehicle ownership opportunities for customers who may not qualify for traditional prime auto loans.

CPS operates through two principal segments: loan origination and servicing. In its origination segment, the company purchases retail installment contracts directly from dealer partners and retains servicing responsibilities. In its servicing segment, CPS manages both its owned portfolios and third-party portfolios, collecting payments, administering delinquencies, and coordinating repossession and resale activities when necessary. This dual–function model allows the company to capture servicing fees while maintaining exposure to loan performance.

Founded in 1991 and headquartered in Torrance, California, Consumer Portfolio Services has built its platform to support vehicle financing in all 50 states. The company’s capital-efficient structure includes securitization vehicles and warehouse facilities that enable it to fund origination volumes without relying solely on its balance sheet. CPS is listed on the Nasdaq Global Select Market under the ticker symbol CPSS.

Through its nationwide dealer network and integrated servicing capabilities, CPS aims to maintain portfolio performance and enhance returns. The company’s management team leverages decades of experience in subprime lending and asset recovery to navigate market cycles and regulatory requirements, positioning CPS as a specialized provider of auto finance solutions for underserved borrowers.

Key Stats

• Today's Range: $7.59 to $8.00
• 50-Day Range: $7.28 to $9.13
• 52-Week Range: $6.67 to $12.73
• Volume: 21,816 shs
• Average Volume: 21,405 shs
• Market Capitalization: $171.32 million
• P/E Ratio: 9.64
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Consumer Portfolio Services Stock Analysis - MarketRank™

Consumer Portfolio Services scored higher than 66% of companies evaluated by MarketBeat, and ranked 581st out of 950 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Consumer Portfolio Services.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 212.94%

Earnings Growth

Earnings for Consumer Portfolio Services are expected to grow by 212.94% in the coming year, from $0.85 to $2.66 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Consumer Portfolio Services is 9.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.45.

Price to Earnings Ratio vs. Sector

The P/E ratio of Consumer Portfolio Services is 9.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 238.93.

Price to Book Value per Share Ratio

Consumer Portfolio Services has a P/B Ratio of 0.56. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.63% of the float of Consumer Portfolio Services has been sold short.

Short Interest Ratio / Days to Cover

Consumer Portfolio Services has a short interest ratio ("days to cover") of 13.1, which indicates bearish sentiment.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 4.22%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Consumer Portfolio Services does not currently pay a dividend.

Dividend Growth

Consumer Portfolio Services does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.63% of the float of Consumer Portfolio Services has been sold short.

Short Interest Ratio / Days to Cover

Consumer Portfolio Services has a short interest ratio ("days to cover") of 13.1, which indicates bearish sentiment.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 4.22%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 1.66

News Sentiment

Consumer Portfolio Services has a news sentiment score of 1.66. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Consumer Portfolio Services this week, compared to 2 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Consumer Portfolio Services insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $79,543.00 in company stock.

Percentage Held by Insiders

69.00% of the stock of Consumer Portfolio Services is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

47.57% of the stock of Consumer Portfolio Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CPSS Stock Analysis - Frequently Asked Questions

How have CPSS shares performed this year?

Consumer Portfolio Services' stock was trading at $10.86 on January 1st, 2025. Since then, CPSS shares have decreased by 29.0% and is now trading at $7.71.

How were Consumer Portfolio Services' earnings last quarter?

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) released its quarterly earnings data on Monday, August, 11th. The credit services provider reported $0.20 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.26 by $0.06. The credit services provider earned $109.76 million during the quarter, compared to the consensus estimate of $109.63 million. Consumer Portfolio Services had a net margin of 4.60% and a trailing twelve-month return on equity of 6.59%.
Read the conference call transcript.

Who are Consumer Portfolio Services' major shareholders?

Consumer Portfolio Services' top institutional investors include Geode Capital Management LLC (0.99%), Verity & Verity LLC (0.55%), JPMorgan Chase & Co. (0.06%) and Police & Firemen s Retirement System of New Jersey (0.01%). Insiders that own company stock include Charles E Bradley Jr, William B Roberts, Greg Washer, John Patrick Harton, Chris Terry, Daniel S Wood, April Crisp and Noel Jackson.
View institutional ownership trends.

How do I buy shares of Consumer Portfolio Services?

Shares of CPSS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Consumer Portfolio Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Consumer Portfolio Services investors own include Meta Platforms (META), NVIDIA (NVDA), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA) and Home Depot (HD).

Company Calendar

• Last Earnings: 8/11/2025
• Today: 9/25/2025
• Next Earnings (Estimated): 10/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CPSS
• CIK: 889609
• Web: www.consumerportfolio.com
• Phone: (949) 753-6800
• Fax: 949-753-6805
• Employees: 740
• Year Founded: 1991

Profitability

• EPS (Trailing Twelve Months): $0.80
• Trailing P/E Ratio: 9.64
• Forward P/E Ratio: 9.07
• P/E Growth: N/A
• Net Income: $19.20 million
• Net Margins: 4.60%
• Pretax Margin: 6.62%
• Return on Equity: 6.59%
• Return on Assets: 0.54%

Debt

• Debt-to-Equity Ratio: 9.89
• Current Ratio: 8.03
• Quick Ratio: 8.03

Sales & Book Value

• Annual Sales: $393.51 million
• Price / Sales: 0.44
• Cash Flow: $1.37 per share
• Price / Cash Flow: 5.63
• Book Value: $13.68 per share
• Price / Book: 0.56

Miscellaneous

• Outstanding Shares: 22,220,000
• Free Float: 6,889,000
• Market Cap: $171.32 million
• Optionable: Optionable
• Beta: 0.95