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Consumer Portfolio Services, Inc. (CPSS)

Profile

Full Name

Consumer Portfolio Services, Inc.

Ticker

NASDAQ: CPSS

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

October 22, 1992

Indexes

Not included

Website

https://www.consumerportfolio.com

Employees

943

Key Details

Price

$8.08(0.50%)

Market Cap

$178.33M(Small cap)

Last Dividend

-

TTM Dividend Yield

-

Annual Revenue

$372.51M(9.56% YoY)

Annual EPS

$0.79(-56.10% YoY)

PE Ratio

10.03

Next earnings date

Feb 25, 2026

Next ex-dividend date

N/A

Next split date

N/A

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    Analyst ratings

    Price

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    Current Price

    $8.08
    CPSS price is $8.08

    30-Day Relative Volume

    1.19
    CPSS 30-day relative volume is 1.19

    Price Performance

    Price Most Recent Change

    +0.5%
    CPSS price was up +0.5% on Nov 18, 2025

    Price YTD Change

    -25.6%
    CPSS price is down -25.6% since January 1st

    Price 1-Year Change

    -22.31%
    CPSS price is down -22.31% year-on-year

    Price 3-Year Change

    +3.46%
    CPSS price is up +3.46% over the past 3 years

    Price Range

    Price All-Time High

    $18.25
    CPSS price is currently -55.73% below its historical high of $18.25

    Price 3-Year Low

    $6.67
    CPSS price is currently +21.14% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $178.33M
    CPSS market cap is $178.33 million

    Market Cap 3-Year Change

    +11.72%
    CPSS market cap is up +11.72% over the past 3 years

    Market Cap All-Time High

    $317.89M
    CPSS market cap is currently -43.90% below its historical high of $317.89 million

    Market Cap Sector Percentile

    26.03%
    CPSS market cap is higher than 26.03% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +3.11%
    CPSS shares outstanding is up +3.11% year-on-year

    Shares Outstanding 3-Year Change

    +7.98%
    CPSS shares outstanding is up +7.98% over the past 3 years

    Technical Indicators

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    Beta

    0.52
    CPSS beta is 0.52

    200-day SMA

    $8.89
    CPSS price is currently -9.14% below its 200-day simple moving average

    50-day SMA

    $8.04
    CPSS price is currently +0.50% above its 50-day simple moving average

    14-Day RSI

    48.82
    CPSS 14-day relative strength index is 48.82

    Volume

    1.19
    CPSS 30-day relative volume is 1.19

    ATR

    $0.46
    CPSS average true range is $0.46

    10-day Historical Volatility

    57.94%
    CPSS 10-day historical volatility is 57.94%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $372.51M
    CPSS annual revenue is $372.51 million

    Revenue Analysts Estimate

    $435.70M
    CPSS annual revenue is currently -14.50% lower than the consensus analysts' forecast

    Revenue 1-Year Change

    +9.56%
    CPSS annual revenue is up +9.56% year-on-year

    Revenue Sector Percentile

    67.87%
    CPSS annual revenue is higher than 67.87% of companies in Financial Services sector

    EPS

    EPS

    $0.79
    CPSS annual earnings per share is $0.79

    EPS Analysts Estimate

    $0.82
    CPSS annual earnings per share is currently -3.73% lower than the consensus analysts' forecast

    EPS 1-Year Change

    -56.1%
    CPSS annual earnings per share is down -56.1% year-on-year

    EPS Sector Percentile

    44.46%
    CPSS annual earnings per share is higher than 44.46% of companies in Financial Services sector

    Profit

    Gross Profit

    $371.64M
    CPSS annual gross profit is $371.64 million

    Gross Margin

    99.77%
    CPSS annual gross profit margin is 99.77%

    Operating Profit

    $218.69M
    CPSS annual operating income is $218.69 million

    Operating Margin

    58.71%
    CPSS annual operating profit margin is 58.71%

    Net Income

    $19.20M
    CPSS annual net profit is $19.20 million

    Net Margin

    5.16%
    CPSS annual net profit margin is 5.16%

    Expenses

    Total Expenses

    $353.30M
    CPSS annual total expenses is $353.30 million

    Operating Expenses

    $152.96M
    CPSS annual total operating expenses is $152.96 million

    Cost Of Goods Sold

    $862.00K
    CPSS annual cost of goods sold is $862.00 thousand

    Selling, General & Administrative Expenses

    $0.00
    CPSS annual SG&A is $0.00

    Depreciation & Amortization

    $862.00K
    CPSS annual D&A is $862.00 thousand

    Interest Expense

    $191.26M
    CPSS annual interest expense is $191.26 million

    Income Tax

    $8.23M
    CPSS annual income tax is $8.23 million

    EBIT & EBITDA

    EBIT

    $197.69M
    CPSS annual earnings before interest & taxes is $197.69 million

    EBITDA

    $198.55M
    CPSS annual EBITDA is $198.55 million

    Balance Sheet

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    Assets

    Total Assets

    $3.50B
    CPSS annual total assets is $3.50 billion

    Non Current Assets

    $3.36B
    CPSS annual long term assets is $3.36 billion

    Current Assets

    $142.38M
    CPSS annual total current assets is $142.38 million

    Cash and Cash Equivalents

    $137.40M
    CPSS annual cash & cash equivalents is $137.40 million

    Accounts Receivable

    -
    CPSS annual accounts receivable value is unknown

    Inventory

    $0.00
    CPSS annual inventory is $0.00

    Liabilities

    Total Liabilities

    $3.21B
    CPSS annual total liabilities is $3.21 billion

    Long Term Liabilities

    $51.66M
    CPSS annual total long term liabilities is $51.66 million

    Current Liabilities

    $57.90M
    CPSS annual current liabilities is $57.90 million

    Accounts Payable

    -
    CPSS annual accounts payable value is unknown

    Debt

    Total Debt

    $3.16B
    CPSS annual total debt is $3.16 billion

    Total Debt 1-Year Change

    +22.81%
    CPSS annual total debt is up +22.81% year-on-year

    Long Term Debt

    $3.14B
    CPSS annual long term debt is $3.14 billion

    Short Term Debt

    $13.81M
    CPSS annual short term debt is $13.81 million

    Equity & Capital

    Shareholders Equity

    $292.77M
    CPSS annual stockholders equity is $292.77 million

    Book Value

    $292.77M
    CPSS annual book value is $292.77 million

    Retained Earnings

    $267.06M
    CPSS annual retained earnings is $267.06 million

    Working Capital

    $84.49M
    CPSS annual working capital is $84.49 million

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $233.75M
    CPSS annual cash from operations is $233.75 million

    Cash From Operations 1-Year Change

    -1.78%
    CPSS annual cash from operations is down -1.78% year-on-year

    Cash From Investing

    -$769.71M
    CPSS annual cash from investing is -$769.71 million

    Cash From Investing 1-Year Change

    -114.09%
    CPSS annual cash from investing is down -114.09% year-on-year

    Cash From Financing

    $547.92M
    CPSS annual cash from financing is $547.92 million

    Cash From Financing 1-Year Change

    +550.79%
    CPSS annual cash from financing is up +550.79% year-on-year

    CAPEX

    CAPEX

    $433.00K
    CPSS annual capital expenditures is $433.00 thousand

    CAPEX 1-Year Change

    -22.54%
    CPSS annual capital expenditures is down -22.54% year-on-year

    Free Cash Flow

    Free Cash Flow

    $233.32M
    CPSS annual free cash flow is $233.32 million

    Free Cash Flow 1-Year Change

    -1.73%
    CPSS annual free cash flow is down -1.73% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    99.77%
    CPSS annual gross profit margin is 99.77%

    Operating Margin

    58.71%
    CPSS annual operating profit margin is 58.71%

    Net Margin

    5.16%
    CPSS annual net profit margin is 5.16%

    ROA & ROE

    ROA

    0.60%
    CPSS annual return on assets is 0.60%

    ROE

    6.77%
    CPSS annual return on equity is 6.77%

    Valuation

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    PE Ratio

    PE Ratio

    10.03
    CPSS price to earnings ratio is 10.03

    PE Ratio Sector Percentile

    21.22%
    CPSS price to earnings ratio is higher than 21.22% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    0.58
    CPSS price to book ratio is 0.58

    PB Ratio Sector Percentile

    9.22%
    CPSS price to book ratio is higher than 9.22% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    0.43
    CPSS price to sales ratio is 0.43

    PS Ratio Sector Percentile

    6%
    CPSS price to sales ratio is higher than 6% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $3.48B
    CPSS enterprise value is $3.48 billion

    Enterprise Value Sector Percentile

    77.65%
    CPSS enterprise value is higher than 77.65% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    14.32
    CPSS EV/EBITDA is 14.32

    EV/EBITDA Sector Percentile

    84.25%
    CPSS EV/EBITDA is higher than 84.25% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current Ratio

    2.46
    CPSS annual current ratio is 2.46

    Quick Ratio

    2.46
    CPSS annual quick ratio is 2.46

    Leverage

    Debt To Equity

    10.78
    CPSS annual debt to equity ratio is 10.78

    Interest Coverage Ratio

    1.03
    CPSS annual interest coverage ratio is 1.03

    Risk & Stability

    F-Score

    5
    CPSS piotroski f-score is 5

    Altman Z-Score

    0.46
    CPSS altman z-score is 0.46

    Analyst ratings

    Recent major analysts updates

    Apr 3, 20 JMP Securities
    Market Outperform
    Jun 8, 18 JMP Securities
    Market Outperform
    Mar 16, 16 JMP Securities
    Market Perform
    Feb 25, 16 Jefferies
    Buy
    Jan 2, 15 Jefferies
    Buy
    Sep 4, 14 Jefferies
    Buy
    Jul 8, 14 Compass Point
    Buy
    May 7, 14 JMP Securities
    Market Outperform
    Jun 12, 13 JMP Securities
    Market Outperform
    May 24, 13 Stephens & Co.
    Equal-Weight

    Institutional Ownership

    Screeners with CPSS included

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    • What is the ticker symbol for Consumer Portfolio Services, Inc.?
    • Does Consumer Portfolio Services, Inc. pay dividends?
    • What sector is Consumer Portfolio Services, Inc. in?
    • What industry is Consumer Portfolio Services, Inc. in?
    • What country is Consumer Portfolio Services, Inc. based in?
    • When did Consumer Portfolio Services, Inc. go public?
    • Is Consumer Portfolio Services, Inc. in the S&P 500?
    • Is Consumer Portfolio Services, Inc. in the NASDAQ 100?
    • Is Consumer Portfolio Services, Inc. in the Dow Jones?
    • When was Consumer Portfolio Services, Inc.'s last earnings report?
    • When does Consumer Portfolio Services, Inc. report earnings?

    What is the ticker symbol for Consumer Portfolio Services, Inc.?

    The ticker symbol for Consumer Portfolio Services, Inc. is NASDAQ:CPSS

    Does Consumer Portfolio Services, Inc. pay dividends?

    No, Consumer Portfolio Services, Inc. does not pay dividends

    What sector is Consumer Portfolio Services, Inc. in?

    Consumer Portfolio Services, Inc. is in the Financial Services sector

    What industry is Consumer Portfolio Services, Inc. in?

    Consumer Portfolio Services, Inc. is in the Credit Services industry

    What country is Consumer Portfolio Services, Inc. based in?

    Consumer Portfolio Services, Inc. is headquartered in United States

    When did Consumer Portfolio Services, Inc. go public?

    Consumer Portfolio Services, Inc.'s initial public offering (IPO) was on October 22, 1992

    Is Consumer Portfolio Services, Inc. in the S&P 500?

    No, Consumer Portfolio Services, Inc. is not included in the S&P 500 index

    Is Consumer Portfolio Services, Inc. in the NASDAQ 100?

    No, Consumer Portfolio Services, Inc. is not included in the NASDAQ 100 index

    Is Consumer Portfolio Services, Inc. in the Dow Jones?

    No, Consumer Portfolio Services, Inc. is not included in the Dow Jones index

    When was Consumer Portfolio Services, Inc.'s last earnings report?

    Consumer Portfolio Services, Inc.'s most recent earnings report was on November 10, 2025

    When does Consumer Portfolio Services, Inc. report earnings?

    The next expected earnings date for Consumer Portfolio Services, Inc. is February 25, 2026
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