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

Company Overview

Consumer Portfolio Services, Inc. (NASDAQ: CPSS) is a specialty finance company headquartered in Irvine, California, focused on the origination and servicing of retail automobile finance receivables. The company primarily acquires installment sales contracts from a network of franchised and independent auto dealers across the United States, providing financing solutions to subprime, near‐prime and prime market consumers. By partnering with dealers to facilitate retail automobile purchase financing, CPS offers flexible loan terms designed to meet diverse borrower credit profiles.

In addition to purchasing retail contracts, CPS offers a suite of services including securitization and whole loan sales aimed at optimizing capital structure and liquidity. The company’s in‐house loan servicing platform manages and administers loan collections, payment processing and portfolio monitoring for both its owned assets and third‐party portfolios. CPS leverages advanced analytics to mitigate credit risk and drive portfolio performance while adhering to stringent compliance standards.

CPS also provides ancillary products such as guaranteed asset protection (GAP) insurance, vehicle service contracts and other aftermarket offerings that enhance customer retention and dealer profitability. Through its dedicated reinsurance subsidiary, the company underwrites these products, offering customizable coverage solutions that complement its financing offerings and support long‐term customer relationships.

Founded in 1990, Consumer Portfolio Services serves a nationwide footprint, extending its market reach through strategic partnerships with over 2,000 dealerships in more than 40 states. The company is led by a seasoned executive management team with extensive experience in automotive finance, including its President and Chief Executive Officer, supported by a senior leadership group responsible for finance, operations and risk management. CPS’s integrated platform and dealer‐centric approach position it as a key player in the specialty auto finance industry.

Key Stats

• Today's Range: $9.97 to $10.03
• 50-Day Range: $8.59 to $10.10
• 52-Week Range: $7.99 to $12.73
• Volume: 4,540 shs
• Average Volume: 28,609 shs
• Market Capitalization: $216.25 million
• P/E Ratio: 12.70
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Consumer Portfolio Services Stock Analysis - MarketRank™

Consumer Portfolio Services scored higher than 77% of companies evaluated by MarketBeat, and ranked 312th out of 903 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 12.70, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of Consumer Portfolio Services is 12.70, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.00.

Price to Book Value per Share Ratio

Consumer Portfolio Services has a P/B Ratio of 0.73. 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

2.92% 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 15.2, which indicates bearish sentiment.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 7.05%, indicating that investor sentiment is improving significantly.

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

2.92% 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 15.2, which indicates bearish sentiment.

Change versus previous month

Short interest in Consumer Portfolio Services has recently decreased by 7.05%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.22

News Sentiment

Consumer Portfolio Services has a news sentiment score of 0.22. 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 0.73 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.

MarketBeat Follows

1 people have added Consumer Portfolio Services to their MarketBeat watchlist in the last 30 days.

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 $252,007.00 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 stock has decreased by 7.6% and is now trading at $10.03.

How were Consumer Portfolio Services' earnings last quarter?

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) posted its quarterly earnings results on Monday, May, 12th. The credit services provider reported $0.19 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.30 by $0.11. The credit services provider earned $106.87 million during the quarter, compared to analysts' expectations of $109.99 million. Consumer Portfolio Services had a trailing twelve-month return on equity of 6.68% and a net margin of 4.72%.
Read the conference call transcript.

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: 5/12/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/29/2025
• 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: N/A

Profitability

• EPS (Trailing Twelve Months): $0.79
• Trailing P/E Ratio: 12.70
• Forward P/E Ratio: 11.80
• P/E Growth: N/A
• Net Income: $19.20 million
• Net Margins: 4.72%
• Pretax Margin: 6.77%
• Return on Equity: 6.68%
• Return on Assets: 0.55%

Debt

• Debt-to-Equity Ratio: 9.83
• Current Ratio: 8.24
• Quick Ratio: 8.24

Sales & Book Value

• Annual Sales: $393.51 million
• Price / Sales: 0.55
• Cash Flow: $1.46 per share
• Price / Cash Flow: 6.86
• Book Value: $13.68 per share
• Price / Book: 0.73

Miscellaneous

• Outstanding Shares: 21,560,000
• Free Float: 6,684,000
• Market Cap: $216.25 million
• Optionable: Optionable
• Beta: 0.95