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

Company Overview

Consumer Portfolio Services, Inc. (NASDAQ: CPSS) is a specialty finance company focused on automobile lending. The company provides financing to consumers who may have limited or impaired credit histories and primarily supports the purchase of used vehicles.

Consumer Portfolio Services generally originates business through an indirect lending model. It purchases and services retail installment sales contracts generated by franchised and independent automobile dealers, allowing dealers to offer financing to customers while transferring the contracts to the company. Its activities include underwriting, loan servicing, payment collection and management of automobile finance receivables.

Founded in 1991, Consumer Portfolio Services serves the United States through relationships with automobile dealers and operates from its headquarters in Irvine, California. Its business is centered on providing access to vehicle financing for non-prime consumers and managing the associated loan portfolios over their terms.

Key Stats

• Today's Range: $8.96 to $9.48
• 50-Day Range: $8.81 to $9.64
• 52-Week Range: $7.30 to $10.49
• Volume: 30,752 shs
• Average Volume: 28,941 shs
• Market Capitalization: $193.39 million
• P/E Ratio: 9.75
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Hold

Consumer Portfolio Services Stock Analysis - MarketRank™

Consumer Portfolio Services scored higher than 36% of companies evaluated by MarketBeat, and ranked 692nd out of 854 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Consumer Portfolio Services has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Consumer Portfolio Services has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Consumer Portfolio Services is 9.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.53.

Price to Earnings Ratio vs. Sector

The P/E ratio of Consumer Portfolio Services is 9.75, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.58.

Price to Book Value per Share Ratio

Consumer Portfolio Services has a P/B Ratio of 0.64. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.06% 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 5.29.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 0.64%, 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.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.60

News Sentiment

Consumer Portfolio Services has a news sentiment score of 0.60. 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 lower news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Consumer Portfolio Services this week, compared to 2 articles on an average week.

Search Interest

3 people have searched for CPSS on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.0 / 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 $1,299,825.00 in company stock.

Percentage Held by Insiders

63.70% 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.

Company Calendar

• Last Earnings: 8/04/2026
• Today: 9/28/2026
• Next Earnings (Estimated): 11/09/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:CPSS
• CIK: 889609
• Web: www.consumerportfolio.com
• Phone: (949) 753-6800
• Fax: 949-753-6805
• Employees: 994
• Year Founded: 1991

Profitability

• EPS (Trailing Twelve Months): $0.92
• Trailing P/E Ratio: 9.75
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $19.33 million
• Net Margins: 4.78%
• Pretax Margin: 6.93%
• Return on Equity: 6.91%
• Return on Assets: 0.54%

Debt

• Debt-to-Equity Ratio: 10.43
• Current Ratio: 5.67
• Quick Ratio: 5.67

Sales & Book Value

• Annual Sales: $434.47 million
• Price / Sales: 0.45
• Cash Flow: $1.39 per share
• Price / Cash Flow: 6.44
• Book Value: $14.02 per share
• Price / Book: 0.64

Miscellaneous

• Outstanding Shares: 21,560,000
• Free Float: 7,824,000
• Market Cap: $193.39 million
• Optionable: Optionable
• Beta: 1.11