Symbols / CPSS Stock $9.89 -2.75% Consumer Portfolio Services, Inc.

Financial Services • Credit Services • United States • NGM
CPSS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Charles E. Bradley Jr.
Exch · Country NGM · United States
Market Cap 214.60M
Enterprise Value 3.89B
Income 20.17M
Sales 202.70M
FCF (ttm) —
Book/sh 14.49
Cash/sh 0.32
Employees 956
Insider 10d —
IPO Oct 22, 1992
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 11.64
Forward P/E 6.82
PEG —
P/S 1.06
P/B 0.68
P/C —
EV/EBITDA —
EV/Sales 19.21
Quick Ratio 2.67
Current Ratio 2.79
Debt/Eq 1,172.90
LT Debt/Eq —
EPS (ttm) 0.85
EPS next Y 1.45
EPS Growth 26.30%
Revenue Growth 7.90%
EPS Gr Q/Q 18.00%
Rev Gr Q/Q —
Earnings (next) 2026-05-05
Earnings (prior) 2026-05-05
ROA 0.52%
ROE 6.58%
ROIC —
Gross Margin 100.00%
Oper. Margin 15.36%
Profit Margin 9.95%
Shs Outstand 21.70M
Shs Float 8.65M
Insider Own 33.41%
Instit Own 46.68%
Short Float 2.29%
Short Ratio 10.31
Short Interest 220.18K
52W High 10.49
vs 52W High -5.72%
52W Low 6.67
vs 52W Low 48.28%
Beta 1.11
Impl. Vol. 1.81%
Rel Volume 2.74
Avg Volume 23.14K
Volume 63.44K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $10.17
Price $9.89
Change -2.75%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$9.89
Latest analyst target
3. DCF / Fair value
$12.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$9.89
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2020-04-03 main JMP Securities — → Market Outperform $3
2018-06-08 up JMP Securities Market Perform → Market Outperform $6
2016-03-16 down JMP Securities Market Outperform → Market Perform —
2016-02-25 main Jefferies — → Buy $6
2015-01-02 main Jefferies — → Buy $10
2014-09-04 init Jefferies — → Buy $9
2014-07-08 init Compass Point — → Buy $10
2014-05-07 main JMP Securities — → Market Outperform $10
2013-06-12 init JMP Securities — → Market Outperform $11
2013-05-24 init Stephens & Co. — → Equal-Weight —
News
RSS: Latest CPSS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-27 SCHWEEN STEVEN HOWARD Officer — 30,000 $2.47 $74,100
2026-04-09 ROBINSON TERI L Officer — 660 $0.00 $0
2026-04-07 SCHWEEN STEVEN HOWARD Officer — 30,000 $3.53 $105,900
2026-03-13 WOOD DANIEL S Director — 20,000 $7.53 $150,600
2026-02-12 BHARWANI DENESH Officer — 9,000 $0.00 $0
2026-01-07 ROBINSON TERI L Officer — 1,320 $0.00 $0
2025-12-04 ROBERTS WILLIAM B. Director — 100,000 $8.69 $869,000
2025-09-22 GRASSO LOUIS M Director — 20,000 $2.47 $49,400
2025-09-16 JACKSON NOEL Officer — 9,369 $8.49 $79,578
2025-09-16 REYNOSO LISETTE Officer — 4,800 $3.83 $18,384
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
202.45
+0.10%
202.25
-1.53%
205.38
-15.20%
242.19
Operating Revenue
202.45
+0.10%
202.25
-1.53%
205.38
-15.20%
242.19
Selling General And Administration
171.04
-1.51%
173.65
+8.97%
159.37
+9.95%
144.94
Selling And Marketing Expense
22.80
+0.22%
22.75
+7.24%
21.22
-7.91%
23.04
General And Administrative Expense
148.24
-1.76%
150.90
+9.23%
138.15
+13.33%
121.90
Salaries And Wages
95.37
-0.86%
96.19
+9.13%
88.15
+4.59%
84.28
Other Gand A
52.87
-3.36%
54.71
+9.42%
50.00
+32.92%
37.62
Reconciled Depreciation
0.88
+2.20%
0.86
+1.77%
0.85
-47.65%
1.62
Net Income
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Pretax Income
28.00
+2.09%
27.43
-55.10%
61.10
-47.42%
116.19
Net Interest Income
197.17
+1.79%
193.71
-0.45%
194.59
-16.48%
233.00
Interest Expense
232.02
+21.32%
191.26
+30.43%
146.63
+67.53%
87.52
Interest Income
429.20
+11.49%
384.96
+12.82%
341.22
+6.46%
320.52
Tax Provision
8.68
+5.47%
8.23
-47.77%
15.75
-47.85%
30.21
Tax Rate For Calcs
0.00
+3.35%
0.00
+16.33%
0.00
-0.83%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Net Income From Continuing Operation Net Minority Interest
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Net Income From Continuing And Discontinued Operation
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Net Income Continuous Operations
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Normalized Income
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Net Income Common Stockholders
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Diluted EPS
0.80
+1.27%
0.79
-56.11%
1.80
-44.27%
3.23
Basic EPS
0.88
-2.22%
0.90
-58.53%
2.17
-47.07%
4.10
Basic Average Shares
21.89
+2.80%
21.29
+1.90%
20.90
-0.30%
20.96
Diluted Average Shares
24.08
-1.00%
24.32
-3.54%
25.22
-5.16%
26.59
Diluted NI Availto Com Stockholders
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Depreciation Amortization Depletion Income Statement
0.88
+2.20%
0.86
+1.77%
0.85
-47.65%
1.62
Depreciation And Amortization In Income Statement
0.88
+2.20%
0.86
+1.77%
0.85
-47.65%
1.62
Occupancy And Equipment
5.46
-2.73%
5.61
-12.00%
6.37
-15.41%
7.54
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,858.19
+10.43%
3,493.87
+20.32%
2,903.75
+5.48%
2,752.77
Cash And Cash Equivalents
6.32
-46.03%
11.71
+89.71%
6.17
-54.23%
13.49
Receivables
—
—
—
0.65
Accounts Receivable
—
—
—
0.65
Net PPE
0.77
-18.24%
0.94
-31.27%
1.37
-17.35%
1.66
Gross PPE
11.18
+4.80%
10.66
+3.23%
10.33
+4.81%
9.86
Accumulated Depreciation
-10.40
-7.04%
-9.72
-8.52%
-8.96
-9.30%
-8.20
Machinery Furniture Equipment
9.57
+6.05%
9.03
+3.04%
8.76
+5.72%
8.29
Leases
1.60
-2.08%
1.64
+4.33%
1.57
+0.00%
1.57
Total Liabilities Net Minority Interest
3,548.66
+10.86%
3,201.10
+21.76%
2,629.08
+4.15%
2,524.38
Payables And Accrued Expenses
65.24
-6.99%
70.15
+12.16%
62.54
+12.85%
55.42
Current Debt And Capital Lease Obligation
324.87
-20.94%
410.90
+75.58%
234.03
-17.98%
285.33
Current Debt
324.87
-20.94%
410.90
+75.58%
234.03
-17.98%
285.33
Long Term Debt And Capital Lease Obligation
3,158.54
+16.12%
2,720.05
+16.61%
2,332.51
+6.82%
2,183.63
Long Term Debt
3,158.54
+16.12%
2,720.05
+16.61%
2,332.51
+6.82%
2,183.63
Stockholders Equity
309.54
+5.73%
292.77
+6.59%
274.67
+20.26%
228.39
Common Stock Equity
309.54
+5.73%
292.77
+6.59%
274.67
+20.26%
228.39
Capital Stock
24.43
-5.03%
25.72
-10.31%
28.68
-0.79%
28.91
Common Stock
24.43
-5.03%
25.72
-10.31%
28.68
-0.79%
28.91
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
21.84
+1.91%
21.43
+1.22%
21.17
+5.18%
20.13
Ordinary Shares Number
21.84
+1.91%
21.43
+1.22%
21.17
+5.18%
20.13
Retained Earnings
286.38
+7.24%
267.06
+7.75%
247.86
+22.39%
202.51
Gains Losses Not Affecting Retained Earnings
-1.27
-12650.00%
-0.01
+99.46%
-1.87
+38.40%
-3.03
Total Equity Gross Minority Interest
309.54
+5.73%
292.77
+6.59%
274.67
+20.26%
228.39
Total Capitalization
3,468.08
+15.11%
3,012.82
+15.56%
2,607.18
+8.09%
2,412.02
Invested Capital
3,792.95
+10.78%
3,423.72
+20.50%
2,841.20
+5.33%
2,697.35
Total Debt
3,483.41
+11.26%
3,130.95
+21.99%
2,566.53
+3.95%
2,468.96
Net Debt
3,477.09
+11.47%
3,119.23
+21.83%
2,560.36
+4.27%
2,455.47
Net Tangible Assets
309.54
+5.73%
292.77
+6.59%
274.67
+20.26%
228.39
Tangible Book Value
309.54
+5.73%
292.77
+6.59%
274.67
+20.26%
228.39
Cash Cash Equivalents And Federal Funds Sold
172.21
+25.34%
137.40
+9.54%
125.43
-22.95%
162.79
Line Of Credit
324.87
-20.94%
410.90
+75.58%
234.03
-17.98%
285.33
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
289.00
+23.63%
233.75
-1.78%
237.98
+10.21%
215.93
Cash Flow From Continuing Operating Activities
289.00
+23.63%
233.75
-1.78%
237.98
+10.21%
215.93
Net Income From Continuing Operations
19.32
+0.64%
19.20
-57.65%
45.34
-47.27%
85.98
Depreciation Amortization Depletion
0.88
+2.20%
0.86
+1.77%
0.85
-47.65%
1.62
Depreciation And Amortization
0.88
+2.20%
0.86
+1.77%
0.85
-47.65%
1.62
Other Non Cash Items
261.22
+16.46%
224.30
+15.89%
193.54
+43.21%
135.15
Stock Based Compensation
2.67
-9.71%
2.96
-14.64%
3.46
-21.75%
4.43
Unrealized Gain Loss On Investment Securities
-6.50
+69.05%
-21.00
-75.00%
-12.00
+21.48%
-15.28
Change In Working Capital
1.76
-18.50%
2.16
-88.85%
19.39
-18.96%
23.93
Change In Receivables
—
—
—
1.62
Changes In Account Receivables
—
—
—
1.62
Change In Payables And Accrued Expense
-6.17
-165.22%
9.46
+14.20%
8.29
-20.04%
10.36
Change In Other Current Assets
6.94
+169.21%
-10.03
-314.87%
4.67
+11.89%
4.17
Investing Cash Flow
-590.12
+23.33%
-769.71
-114.09%
-359.53
+49.64%
-713.90
Cash Flow From Continuing Investing Activities
-590.12
+23.33%
-769.71
-114.09%
-359.53
+49.64%
-713.90
Net PPE Purchase And Sale
-0.71
-63.74%
-0.43
+22.54%
-0.56
+73.99%
-2.15
Purchase Of PPE
-0.71
-63.74%
-0.43
+22.54%
-0.56
+73.99%
-2.15
Capital Expenditure
-0.71
-63.74%
-0.43
+22.54%
-0.56
+73.99%
-2.15
Net Other Investing Changes
—
0.12
-71.97%
0.45
-76.51%
1.90
Financing Cash Flow
335.93
-38.69%
547.92
+550.79%
84.19
-82.61%
484.21
Cash Flow From Continuing Financing Activities
335.93
-38.69%
547.92
+550.79%
84.19
-82.61%
484.21
Net Issuance Payments Of Debt
352.35
-38.15%
569.71
+494.85%
95.77
-81.84%
527.33
Issuance Of Debt
1,734.96
+14.52%
1,514.96
+22.62%
1,235.53
-22.63%
1,596.89
Repayment Of Debt
-1,294.62
-14.99%
-1,125.82
-3.62%
-1,086.51
-1.58%
-1,069.56
Long Term Debt Issuance
1,734.96
+14.52%
1,514.96
+22.62%
1,235.53
-22.63%
1,596.89
Long Term Debt Payments
-1,294.62
-14.99%
-1,125.82
-3.62%
-1,086.51
-1.58%
-1,069.56
Net Long Term Debt Issuance
440.34
+13.16%
389.13
+161.12%
149.03
-71.74%
527.33
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
-87.99
-148.73%
180.57
+439.09%
-53.25
-129.28%
181.87
Net Common Stock Issuance
-8.67
+32.40%
-12.83
+36.72%
-20.27
+56.02%
-46.10
Common Stock Payments
-8.67
+32.40%
-12.83
+36.72%
-20.27
+56.02%
-46.10
Repurchase Of Capital Stock
-8.67
+32.40%
-12.83
+36.72%
-20.27
+56.02%
-46.10
Proceeds From Stock Option Exercised
4.71
-31.90%
6.91
-58.31%
16.58
+8.54%
15.28
Net Other Financing Charges
-12.46
+21.48%
-15.87
-101.18%
-7.89
+35.86%
-12.30
Changes In Cash
34.81
+190.91%
11.97
+132.03%
-37.36
-171.52%
-13.76
Beginning Cash Position
137.40
+9.54%
125.43
-22.95%
162.79
-7.79%
176.55
End Cash Position
172.21
+25.34%
137.40
+9.54%
125.43
-22.95%
162.79
Free Cash Flow
288.29
+23.56%
233.32
-1.73%
237.42
+11.06%
213.78
Interest Paid Supplemental Data
218.12
+22.57%
177.95
+31.62%
135.20
+76.28%
76.70
Income Tax Paid Supplemental Data
6.83
-42.13%
11.80
+232.18%
3.55
-78.05%
16.18
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category