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Consumer Portfolio Services(NASDAQ) CPSS

Current Price$9.44
Market Cap$205.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+260%
5 Year+96%
1 Year+4%
1 Month-1%
Consumer Portfolio Services last closing stock price
MetricPriceDate
Last closeUSD 9.452026-07-24
Consumer Portfolio Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.96%USD 9.092026-07-17
1 month-0.94%USD 9.542026-06-24
3 month+11.57%USD 8.472026-04-24
Year to date+1.29%USD 9.332025-12-31
1 year+3.62%USD 9.122025-07-24
3 year-21.84%USD 12.092023-07-25
5 year+96.47%USD 4.812021-07-23
Since inception+260%USD 2.631992-10-22

Consumer Portfolio Services Financials at a Glance

Market Cap

$205.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$439.93M

Net Income (TTM)

$20.17M

EPS (TTM)

$0.85

P/E Ratio

11.18

Dividend

$0.00

Beta (Volatility)

1.12 (Average)

Price

$9.44

Volume

40

Open

$9.47

Previous Close

$9.44

Daily Range

$9.44 - $9.47

52-Week Range

$6.67 - $10.49

Estimated Earnings Date

Aug 10, 2026

CPSS News

3 Stocks That Blew the Market Away

Rick MunarrizApr 22, 2013

5 Reasons Not to Worry This Week

Rick MunarrizApr 15, 2013

5 of Last Week's Biggest Losers

Rick MunarrizApr 7, 2013

Consumer Portfolio Services, Inc.: Warming Up or Cooling Off?

Motley Fool StaffNov 25, 2009

Stocks of the Week

Matt KoppenhefferOct 8, 2007

8 Hot Stocks Under $8

Rick MunarrizAug 27, 2007

CPSS: Motley Fool Moneyball Superscore

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About Consumer Portfolio Services

Consumer Portfolio Services helps people with limited credit buy cars. The company works with car dealers to offer financing options. It makes car ownership possible for buyers who cannot get loans from banks.

Products and Services

  • Auto Contract Purchasing: Buys car loan contracts from dealers, mainly for buyers with lower credit scores. Substantially all revenue comes from interest earned on these contracts.
  • Contract Servicing: Manages and collects payments on car loans for itself and third parties.
  • Indirect Auto Financing: Provides loans through dealers to customers who cannot get traditional bank loans.
  • Direct Lending and Refinancing: Offers direct loans and refinancing to consumers, with refinancing starting in December 2025.
  • Acquisition of Contracts: Grows its loan portfolio by acquiring contracts through mergers and acquisitions.

Growth and Expansion

  • Acquired installment purchase contracts in four merger and acquisition deals since 1991.
  • Terminated direct lending platform in September 2023; launched consumer refinancing in December 2025.
  • Completed four securitizations in 2025, totaling $1.73 billion in receivables.
  • Expanded warehouse credit facility with Citibank to $335 million in December 2024.
  • Operates in 47 states, with servicing branches in five key states.

What Makes Consumer Portfolio Services Stand Out

The company specializes in sub-prime auto loans, serving customers overlooked by banks. Its automated loan approval system gives quick decisions to dealers. A broad dealer network and strong securitization track record support its business model.

Five Things You Need to Know

  • Total revenue was $434.5 million in 2025, up 10.4% from 2024.
  • Interest income reached $422.7 million in 2025, up 16.1% year-over-year.
  • Net income was $19.3 million in 2025, flat compared to 2024.
  • Managed portfolio was $3.78 billion at year-end 2025, up 8.3% from 2024.
  • Net charge-offs were 7.8% of the average portfolio in 2025, up from 7.6% in 2024.

Bottom Line

Consumer Portfolio Services has grown by focusing on sub-prime auto lending and dealer partnerships. Its adaptability and broad reach help it serve a unique market segment.

AI Generated • Apr 16, 2026

Industry

Consumer Finance

Sector

Financials

Employees

956

CEO

Charles E. Bradley, Jr., MBA

Website

www.consumerportfolio.com

Headquarters

Las Vegas, NV 89169, US

CPSS Financials

Key Financial Metrics (TTM)

Gross Margin

60.08%

Operating Margin

20.30%

Net Income Margin

4.58%

Return on Equity

6.54%

Return on Capital

6.81%

Return on Assets

0.50%

Earnings Yield

8.94%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$205.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

21.70M

Volume

40

Avg. Volume

27.64K

Financials (TTM)

Gross Profit

$264.33M

Operating Income

$89.29M

EBITDA

$90.15M

Operating Cash Flow

$298.91M

Capital Expenditure

-$1.03M

Free Cash Flow

$297.88M

Cash & ST Invst.

$6.94M

Total Debt

$3.69B

Consumer Portfolio Services Performance Analysis

Consumer Portfolio Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 314,426,00015.5%
20232023-12-31USD 340,014,0008.1%
20242024-12-31USD 372,506,0009.6%
20252025-12-31USD 427,970,00014.9%
Consumer Portfolio Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-302.7%
Q32025-09-30-1.2%
Q42025-12-310.9%
Q12026-03-312.7%
Consumer Portfolio Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.2375.4%
20232023-12-31USD 1.80-44.4%
20242024-12-31USD 0.79-56.1%
20252025-12-31USD 0.801.7%
Consumer Portfolio Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.3%
Q32025-09-30N/A
Q42025-12-315.0%
Q12026-03-3114.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$112.33M

+5.1%

Gross Profit

$111.88M

+111.4%

Gross Margin

99.60%

N/A

Market Cap

$205.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$214.49K

N/A

Employees

956

N/A

Net Income

$5.54M

+18.0%

EBITDA

$68.31M

+868.9%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$6.94M

-76.7%

Total Debt

$3.69B

+11.9%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$3.69B

+25.6%

Short Term Debt

$4.53M

-98.8%

Return on Assets

0.50%

N/A

Return on Invested Capital

2.21%

N/A

Free Cash Flow

$82.99M

+13.1%

Operating Cash Flow

$83.78M

+13.4%

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Questions About CPSS

What is the current price of Consumer Portfolio Services?

Consumer Portfolio Services is trading at $9.44 per share.

What is the 52-week range for Consumer Portfolio Services?

Over the past 52 weeks, Consumer Portfolio Services has traded between $6.67 and $10.49.

How much debt does Consumer Portfolio Services have?

As of the most recent reporting period, Consumer Portfolio Services reported total debt of $3.69B.

How much cash does Consumer Portfolio Services have on hand?

Consumer Portfolio Services reported $185.41M in cash and cash equivalents in its most recent financial results.

What is Consumer Portfolio Services’s dividend yield?

Consumer Portfolio Services does not currently have a dividend yield.

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