CPSS
Consumer Portfolio Services, Inc.
Price Chart
Latest Quote
$9.74
+0.09 (+0.93%)
Current Price
| Previous Close | $9.65 |
| Open | $9.75 |
| Day High | $9.75 |
| Day Low | $9.54 |
| Volume | 39,615 |
Stock Information
| Shares Outstanding | 21.70M |
| Total Debt | $3.69B |
| Cash Equivalents | $6.94M |
| Revenue | $202.70M |
| Net Income | $20.17M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $211.34M |
| P/E Ratio | 11.46 |
| EPS (TTM) | $0.85 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.89B |
| Sales | $202.70M |
| Income | $20.17M |
| Book/sh | $14.49 |
| Cash/sh | $0.32 |
| Employees | 956 |
Financial Ratios
| Quick Ratio | 2.67 |
| Current Ratio | 2.79 |
| Debt/Eq | 1172.90 |
| EPS Growth TTM | 18.00% |
Returns & Margins
| ROA | 0.52% |
| ROE | 6.58% |
| Gross Margin | 100.00% |
| Operating Margin | 15.36% |
| Profit Margin | 9.95% |
Ownership
| Insider Ownership | 33.41% |
| Institutional Ownership | 46.25% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.72 |
| P/S | 1.04 |
| P/B | 0.67 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $9.55 |
| SMA50 | $9.37 |
| SMA200 | $8.58 |
| RSI | 47.50 |
| ATR | 0.3886 |
| Shares Float | 8.90M |
| Short Float | 1.40% |
| Short Ratio | 3.89 |
| Volatility | 1.13 |
| Rel Volume | 2.09 |
Performance History
| Week | +1.67% |
| Month | -5.44% |
| Quarter | +26.49% |
| 6 Months | +0.72% |
| YTD | +6.22% |
| Year | +0.41% |
| 3 Years | -20.55% |
| 5 Years | +108.12% |
| 10 Years | +159.73% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $9.74 | 42,500 |
| 2026-06-17 | $9.65 | 32,300 |
| 2026-06-16 | $9.58 | 55,000 |
| 2026-06-15 | $9.58 | 9,800 |
| 2026-06-12 | $9.53 | 16,500 |
| 2026-06-11 | $9.58 | 14,900 |
| 2026-06-10 | $9.65 | 32,600 |
| 2026-06-09 | $9.24 | 11,100 |
| 2026-06-08 | $9.00 | 20,200 |
| 2026-06-05 | $9.43 | 18,800 |
| 2026-06-04 | $9.23 | 4,100 |
| 2026-06-03 | $9.15 | 22,800 |
| 2026-06-02 | $9.48 | 12,200 |
| 2026-06-01 | $9.78 | 8,400 |
| 2026-05-29 | $9.86 | 9,900 |
| 2026-05-28 | $9.84 | 17,500 |
| 2026-05-27 | $9.73 | 13,200 |
| 2026-05-26 | $9.59 | 33,700 |
| 2026-05-22 | $9.57 | 12,700 |
| 2026-05-21 | $9.85 | 19,000 |
| 2026-05-20 | $9.90 | 81,000 |
| 2026-05-19 | $10.30 | 14,300 |
About Consumer Portfolio Services, Inc.
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.
đ° Latest News
Consumer Portfolio Services Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-06T18:34:04Z
Consumer Portfolio Services Inc (CPSS) Q4 2025 Earnings Call Highlights: Strategic Growth ...
GuruFocus.com âĸ 2026-03-11T23:00:30ZConsumer Portfolio Services Q4 Earnings Call Highlights
MarketBeat âĸ 2026-03-11T18:58:22Z
Consumer Portfolio Services, Inc. Q4 2025 Earnings Call Summary
Moby âĸ 2026-03-11T12:30:00Z
Consumer Portfolio Services: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-03-10T20:34:55ZAlthough Consumer Portfolio Services, Inc. (NASDAQ:CPSS) insiders have sold lately, they have the highest ownership with 36% stake
Simply Wall St. âĸ 2026-02-05T13:09:47Z
Consumer Portfolio Services' (NASDAQ:CPSS) investors will be pleased with their splendid 114% return over the last five years
Simply Wall St. âĸ 2025-12-08T11:01:28Z
Consumer Portfolio Services Inc (CPSS) Q3 2025 Earnings Call Highlights: Navigating Growth ...
GuruFocus.com âĸ 2025-11-12T01:04:42ZDespite recent sales, Consumer Portfolio Services, Inc. (NASDAQ:CPSS) insiders still hold the largest share with a 35% interest
Simply Wall St. âĸ 2025-08-29T13:03:40Z
Consumer Portfolio Services: Q2 Earnings Snapshot
Associated Press Finance âĸ 2025-08-11T22:06:17Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $202,446,000 | $202,249,000 | $205,383,000 | $242,185,000 |
| Operating Revenue | $202,446,000 | $202,249,000 | $205,383,000 | $242,185,000 |
| Expenses | ||||
| Interest Expense | $232,024,000 | $191,257,000 | $146,631,000 | $87,524,000 |
| Selling And Marketing Expense | $22,801,000 | $22,752,000 | $21,216,000 | $23,039,000 |
| General And Administrative Expense | $148,239,000 | $150,902,000 | $138,149,000 | $121,900,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Net Interest Income | $197,174,000 | $193,705,000 | $194,588,000 | $232,996,000 |
| Interest Income | $429,198,000 | $384,962,000 | $341,219,000 | $320,520,000 |
| Normalized Income | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Net Income From Continuing And Discontinued Operation | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Net Income Common Stockholders | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Net Income | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Net Income Including Noncontrolling Interests | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Net Income Continuous Operations | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Pretax Income | $28,003,000 | $27,431,000 | $61,097,000 | $116,193,000 |
| Depreciation Amortization Depletion Income Statement | $881,000 | $862,000 | $847,000 | $1,618,000 |
| Depreciation And Amortization In Income Statement | $881,000 | $862,000 | $847,000 | $1,618,000 |
| Per Share | ||||
| Diluted EPS | $0.80 | $0.79 | $1.80 | $3.23 |
| Basic EPS | $0.88 | $0.90 | $2.17 | $4.10 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $881,000 | $862,000 | $847,000 | $1,618,000 |
| Diluted Average Shares | $24,081,000 | $24,325,000 | $25,218,000 | $26,589,000 |
| Basic Average Shares | $21,889,000 | $21,292,000 | $20,896,000 | $20,958,000 |
| Diluted NI Availto Com Stockholders | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Tax Provision | $8,678,000 | $8,228,000 | $15,754,000 | $30,210,000 |
| Selling General And Administration | $171,040,000 | $173,654,000 | $159,365,000 | $144,939,000 |
| Other Gand A | $52,870,000 | $54,710,000 | $50,001,000 | $37,618,000 |
| Salaries And Wages | $95,369,000 | $96,192,000 | $88,148,000 | $84,282,000 |
| Occupancy And Equipment | $5,456,000 | $5,609,000 | $6,374,000 | $7,535,000 |
Fetched: 2026-06-19
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $309,536,000 | $292,770,000 | $274,668,000 | $228,389,000 |
| Total Assets | $3,858,193,000 | $3,493,868,000 | $2,903,746,000 | $2,752,768,000 |
| Cash And Cash Equivalents | $6,322,000 | $11,713,000 | $6,174,000 | $13,490,000 |
| Cash Cash Equivalents And Federal Funds Sold | $172,207,000 | $137,397,000 | $125,431,000 | $162,789,000 |
| Receivables | - | - | - | $649,000 |
| Accounts Receivable | - | - | - | $649,000 |
| Debt | ||||
| Net Debt | $3,477,091,000 | $3,119,234,000 | $2,560,360,000 | $2,455,468,000 |
| Total Debt | $3,483,413,000 | $3,130,947,000 | $2,566,534,000 | $2,468,958,000 |
| Long Term Debt And Capital Lease Obligation | $3,158,542,000 | $2,720,049,000 | $2,332,509,000 | $2,183,630,000 |
| Long Term Debt | $3,158,542,000 | $2,720,049,000 | $2,332,509,000 | $2,183,630,000 |
| Current Debt And Capital Lease Obligation | $324,871,000 | $410,898,000 | $234,025,000 | $285,328,000 |
| Current Debt | $324,871,000 | $410,898,000 | $234,025,000 | $285,328,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,548,657,000 | $3,201,098,000 | $2,629,078,000 | $2,524,379,000 |
| Payables And Accrued Expenses | $65,244,000 | $70,151,000 | $62,544,000 | $55,421,000 |
| Equity | ||||
| Common Stock Equity | $309,536,000 | $292,770,000 | $274,668,000 | $228,389,000 |
| Total Equity Gross Minority Interest | $309,536,000 | $292,770,000 | $274,668,000 | $228,389,000 |
| Stockholders Equity | $309,536,000 | $292,770,000 | $274,668,000 | $228,389,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,275,000 | $-10,000 | $-1,867,000 | $-3,031,000 |
| Retained Earnings | $286,385,000 | $267,060,000 | $247,857,000 | $202,514,000 |
| Other | ||||
| Ordinary Shares Number | $21,842,457 | $21,432,698 | $21,174,856 | $20,131,323 |
| Share Issued | $21,842,457 | $21,432,698 | $21,174,856 | $20,131,323 |
| Tangible Book Value | $309,536,000 | $292,770,000 | $274,668,000 | $228,389,000 |
| Invested Capital | $3,792,949,000 | $3,423,717,000 | $2,841,202,000 | $2,697,347,000 |
| Total Capitalization | $3,468,078,000 | $3,012,819,000 | $2,607,177,000 | $2,412,019,000 |
| Capital Stock | $24,426,000 | $25,720,000 | $28,678,000 | $28,906,000 |
| Common Stock | $24,426,000 | $25,720,000 | $28,678,000 | $28,906,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Line Of Credit | $324,871,000 | $410,898,000 | $234,025,000 | $285,328,000 |
| Net PPE | $771,000 | $943,000 | $1,372,000 | $1,660,000 |
| Accumulated Depreciation | $-10,404,000 | $-9,720,000 | $-8,957,000 | $-8,195,000 |
| Gross PPE | $11,175,000 | $10,663,000 | $10,329,000 | $9,855,000 |
| Leases | $1,604,000 | $1,638,000 | $1,570,000 | $1,570,000 |
| Machinery Furniture Equipment | $9,571,000 | $9,025,000 | $8,759,000 | $8,285,000 |
Fetched: 2026-06-19
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $288,292,000 | $233,322,000 | $237,421,000 | $213,783,000 |
| Operating Activities | ||||
| Operating Cash Flow | $289,001,000 | $233,755,000 | $237,980,000 | $215,932,000 |
| Cash Flow From Continuing Operating Activities | $289,001,000 | $233,755,000 | $237,980,000 | $215,932,000 |
| Investing Activities | ||||
| Capital Expenditure | $-709,000 | $-433,000 | $-559,000 | $-2,149,000 |
| Investing Cash Flow | $-590,117,000 | $-769,713,000 | $-359,532,000 | $-713,900,000 |
| Cash Flow From Continuing Investing Activities | $-590,117,000 | $-769,713,000 | $-359,532,000 | $-713,900,000 |
| Net Other Investing Changes | - | $125,000 | $446,000 | $1,899,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-8,672,000 | $-12,828,000 | $-20,273,000 | $-46,096,000 |
| Financing Cash Flow | $335,926,000 | $547,924,000 | $84,194,000 | $484,209,000 |
| Cash Flow From Continuing Financing Activities | $335,926,000 | $547,924,000 | $84,194,000 | $484,209,000 |
| Net Other Financing Charges | $-12,461,000 | $-15,869,000 | $-7,888,000 | $-12,299,000 |
| Net Common Stock Issuance | $-8,672,000 | $-12,828,000 | $-20,273,000 | $-46,096,000 |
| Other | ||||
| Repayment Of Debt | $-1,294,616,000 | $-1,125,824,000 | $-1,086,507,000 | $-1,069,563,000 |
| Issuance Of Debt | $1,734,958,000 | $1,514,958,000 | $1,235,534,000 | $1,596,890,000 |
| Interest Paid Supplemental Data | $218,117,000 | $177,949,000 | $135,203,000 | $76,696,000 |
| Income Tax Paid Supplemental Data | $6,828,000 | $11,799,000 | $3,552,000 | $16,182,000 |
| End Cash Position | $172,207,000 | $137,397,000 | $125,431,000 | $162,789,000 |
| Beginning Cash Position | $137,397,000 | $125,431,000 | $162,789,000 | $176,548,000 |
| Changes In Cash | $34,810,000 | $11,966,000 | $-37,358,000 | $-13,759,000 |
| Proceeds From Stock Option Exercised | $4,708,000 | $6,913,000 | $16,581,000 | $15,277,000 |
| Common Stock Payments | $-8,672,000 | $-12,828,000 | $-20,273,000 | $-46,096,000 |
| Net Issuance Payments Of Debt | $352,351,000 | $569,708,000 | $95,774,000 | $527,327,000 |
| Net Short Term Debt Issuance | $-87,991,000 | $180,574,000 | $-53,253,000 | $181,868,000 |
| Net Long Term Debt Issuance | $440,342,000 | $389,134,000 | $149,027,000 | $527,327,000 |
| Long Term Debt Payments | $-1,294,616,000 | $-1,125,824,000 | $-1,086,507,000 | $-1,069,563,000 |
| Long Term Debt Issuance | $1,734,958,000 | $1,514,958,000 | $1,235,534,000 | $1,596,890,000 |
| Net PPE Purchase And Sale | $-709,000 | $-433,000 | $-559,000 | $-2,149,000 |
| Purchase Of PPE | $-709,000 | $-433,000 | $-559,000 | $-2,149,000 |
| Change In Working Capital | $1,762,000 | $2,162,000 | $19,395,000 | $23,933,000 |
| Change In Other Current Assets | $6,940,000 | $-10,028,000 | $4,667,000 | $4,171,000 |
| Change In Payables And Accrued Expense | $-6,172,000 | $9,464,000 | $8,287,000 | $10,364,000 |
| Other Non Cash Items | $261,221,000 | $224,304,000 | $193,541,000 | $135,147,000 |
| Stock Based Compensation | $2,670,000 | $2,957,000 | $3,464,000 | $4,427,000 |
| Unrealized Gain Loss On Investment Securities | $-6,500,000 | $-21,000,000 | $-12,000,000 | $-15,283,000 |
| Depreciation Amortization Depletion | $881,000 | $862,000 | $847,000 | $1,618,000 |
| Depreciation And Amortization | $881,000 | $862,000 | $847,000 | $1,618,000 |
| Net Income From Continuing Operations | $19,325,000 | $19,203,000 | $45,343,000 | $85,983,000 |
| Change In Receivables | - | - | - | $1,620,000 |
| Changes In Account Receivables | - | - | - | $1,620,000 |
| Short Term Debt Payments | - | - | - | - |
Fetched: 2026-06-19