Financial Services
Consumer Portfolio Services Inc(CPSS)
Live Price
Offline$9.74
+0.93% today
1Y Change
-1.91%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $220.00M
- Revenue Growth
- +8.8%
- EPS Growth
- -2.2%
- Dividend Yield
- 0.0%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Consumer Portfolio Services Inc (CPSS) is a Financial Services stock with a market cap of $220.00M and listed on NASDAQ. The stock last traded around $9.74 and down 1.9% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +8.8%, EPS growth of -2.2%, a dividend yield of 0.0%. What stands out right now is revenue +8.8%, EPS -2.2%, free cash flow +23.9% with operating margin 24.6% and ROIC 800.0%. Valuation is more restrained than many high-expectation growth names at P/E 10.7 and price/sales 0.7. Overall, the current profile looks closer to a quality compounder than a generic broad-market placeholder. Stock Foundry combines CPSS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+8.8% vs +3.4% peer median
Operating Margin
Above sector median
+24.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 11, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +8.8% and EPS is at -2.2%, with operating margin around 24.6%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.2% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 11, 2026 | โ | -2.7% | +3.5% | -6.7% |
2026 Mar 10, 2026 | -8.7% | -2.1% | +4.3% | +2.6% |
2025 Nov 10, 2025 | -20.0% | -8.3% | -7.3% | +3.0% |
Benchmark Edge
CPSS vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CPSS
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CPSS Max Drawdown
-27.92%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CPSS and SPY.
Company Overview
Consumer Portfolio Services Inc
NASDAQ
Consumer Portfolio Services Inc. is a specialty finance company focusing on indirect automobile financing. The company's primary function is to purchase and service used car loans originated by franchised automobile dealerships. This financial entity primarily impacts the automotive lending industry, playing a crucial role in providing credit facilities to non-prime consumers who might find it challenging to obtain financing through traditional banks or other lending institutions. By enabling car buyers with less-than-stellar credit profiles to secure loans, Consumer Portfolio Services Inc. facilitates broader access to vehicle ownership, thereby supporting the automotive retail sector. Headquartered in California, the company operates a robust portfolio-management system and employs advanced risk assessment techniques to minimize defaults while maximizing recovery on its loan book. It represents a vital component in the auto finance industry, contributing to the circulation of credit and sustaining credit markets by offering liquidity and financial solutions to dealers and consumers alike.
- Leadership
- Mr. Charles E. Bradley Jr.
- Employees
- 918
- Street Address
- 3800 Howard Hughes Parkway, Suite 1400
- Mailing
- Las Vegas, NV, 89169
- Region
- Las Vegas, NV, United States
- Last Updated
- May 8, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.7
- EV/EBITDA
- 2.6
- Price/Sales
- 0.7
- Price/Book
- โ
Growth
- Revenue
- +8.8%
- EPS
- -2.2%
- Free Cash Flow
- +23.9%
Profitability
- Gross Margin
- 64.5%
- Operating Margin
- 24.6%
- Net Margin
- 6.2%
- ROE
- 8.8%
- ROIC
- 800.0%
Balance Sheet
- Debt/Equity
- โ
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.