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Consumer Portfolio Services, Inc.(CPSS)Earnings, Financials & Key Ratios
CPSS•NASDAQ
$9.00
11.3× P/E·Price updated Jul 7, 2026
AboutConsumer 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 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. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.Show more
- EBITDA$261M+822.2%
- Net Income$19M+0.6%
- EPS (Diluted)0.80+1.3%
- Gross Margin99.59%+88.8%
- EBITDA Margin60.96%+747.9%
- Operating Margin60.76%+771.6%
- Net Margin4.52%-7.5%
- ROE6.42%-5.2%
CPSS Price & Volume
Consumer Portfolio Services, Inc. (CPSS) stock price & volume — 10-year historical chart
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Leveraged Subprime Growth Faces Tightening Liquidity Constraints
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Expanding
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:High financial leverage
Key Thesis Takeaways
- Consumer Portfolio Services continues to scale its subprime auto loan portfolio, evidenced by revenue growth from $91.7 million in 2024Q1 to $112.3 million in 2026Q1.
- However, this expansion is heavily reliant on a capital structure with a debt-to-equity ratio of 11.74, which leaves the firm vulnerable to interest rate volatility and credit loss normalization.
- Investors should monitor the sustainability of this model as cash reserves have dwindled to $6.9 million, potentially limiting the firm's flexibility in future securitization cycles.
Verdict Logic
the combination of a precariously thin cash position of $6.9 million and a debt-to-equity ratio of 11.74 suggests significant solvency risks that outweigh the current 12.50 P/E valuation.
CPSS Growth Metrics
Consumer Portfolio Services, Inc. (CPSS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years1.64%
5 Years9.56%
3 Years9.08%
TTM-
Profit CAGR
10 Years-5.68%
5 Years-2.27%
3 Years-39.2%
TTM4.47%
EPS CAGR
10 Years-3.13%
5 Years-2.33%
3 Years-37.2%
TTM7.59%
Return on Capital
10 Years2.38%
5 Years3.6%
3 Years3.37%
Last Year7.09%
CPSS Recent Earnings
Consumer Portfolio Services, Inc. (CPSS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (33%)●Beat Revenue 1/12 qtrs (11%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$0.24
—
Rev
$112M
—
Q2 2026
Mar 10, 2026Metric
Actual
Est
EPS
$0.21-8.7%
$0.23
Rev
$109M-7.8%
$119M
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.20-20.0%
$0.25
Rev
$108M-2.0%
$111M
Q3 2025
Aug 11, 2025Metric
Actual
Est
EPS
$0.20-23.1%
$0.26
Rev
$110M-3.4%
$114M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.24 | $112M |
| Q2 2026 | Mar 10, 2026 | $0.21vs $0.23-8.7% | $109Mvs $119M-7.8% |
| Q4 2025 | Nov 10, 2025 | $0.20vs $0.25-20.0% | $108Mvs $111M-2.0% |
| Q3 2025 | Aug 11, 2025 | $0.20vs $0.26-23.1% | $110Mvs $114M-3.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Consumer Portfolio Services, Inc. (CPSS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $9.00 | $195.29M | 11.25 | 8.76% | 4.52% | 6.42% | — | |
| $53.93 | $912.21M | 14.04 | 26.79% | 22.28% | 11.66% | — | |
| $646.58 | $6.74B | 17.22 | 8.57% | 19.61% | 29.39% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — | |
| $45.40 | $13.92B | 19.16 | -25.75% | 8.92% | 9.19% | — | |
| $202.89 | $124.98B | 50.34 | 28.39% | 4.29% | 2.86% | — |
Compare CPSS vs Peers
Consumer Portfolio Services, Inc. (CPSS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPSS SEC Filings & Documents
Consumer Portfolio Services, Inc. (CPSS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CPSS Frequently Asked Questions
Consumer Portfolio Services, Inc. (CPSS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Consumer Portfolio Services, Inc.'s revenue?
Consumer Portfolio Services, Inc. (CPSS) reported $439.9M in revenue for fiscal year 2025.
How fast is Consumer Portfolio Services, Inc. growing?
Consumer Portfolio Services, Inc. (CPSS) grew revenue by 8.8% over the past year. This is steady growth.
Is CPSS profitable?
Yes, Consumer Portfolio Services, Inc. (CPSS) is profitable, generating $20.2M in net income for fiscal year 2025 (4.5% net margin).
Dividend & Returns
What is CPSS's return on equity?
Consumer Portfolio Services, Inc. (CPSS) has a return on equity (ROE) of 6.4%. This is below average, suggesting room for improvement.
What is Consumer Portfolio Services, Inc.'s free cash flow?
Consumer Portfolio Services, Inc. (CPSS) generated $298.0M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.