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CPSS · Consumer Portfolio Services, Inc.
NASDAQ NMS - GLOBAL MARKET - BOATS Real Time Price • USD
Consumer Portfolio Services Inc (CPSS)
NASDAQ NMS - GLOBAL MARKET
Financial Services
$8.94
-0.04
(-0.45%)
● At close: October 21 at 4:00:00 PM EDT
DAY'S RANGE
$8.94
$8.94
$8.96
52-WEEK RANGE
$8.94
$7.39
$10.49
What's happening
- CPSS is down 0.45% today, trading at $8.94. — Live quote
- Volume today (833) is well below its 3-month average of 24,440. (Finnhub fundamentals)
- Reports earnings on 2026-11-05, 14 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Strong buy 3
Buy 3
Hold 1
Sell 0
Strong sell 0
Aggregate ratings for 2022-05-01 (7 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
CPSS
-3.86%
vs S&P 500
-16.64%
1-YEAR RETURN
CPSS
+14.85%
vs S&P 500
+0.29%
6-MONTH RETURN
CPSS
+5.65%
3-MONTH RETURN
CPSS
-1.54%
Earnings Trends (Quarterly EPS Actual vs Estimate)
2026-07-26 (Q2 2026)
$0.27
Est. $—
2026-01-26 (Q4 2025)
$0.21
Est. $0.23
MISS -10.5%
2025-10-26 (Q3 2025)
$0.20
Est. $0.26
MISS -21.6%
2025-07-26 (Q2 2025)
$0.20
Est. $0.27
MISS -24.6%
Valuation Measures & Ratios
Enterprise Value4$4.20B
Forward P/E53.66
PEG Ratio60.71
Price / Sales (TTM1)0.43
Price / Book70.65
EV4 / Revenue9.29
EV4 / EBITDA130.46
Profit Margin4.79%
Operating Margin6.93%
Return on Equity (ROE8)6.91%
Return on Assets (ROA9)0.54%
Avg Volume (3M)24,440
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $221.7M | $177.7M | $181.5M | $238.7M | $224.8M |
| P/E | 10.35 | 8.94 | 9.48 | 12.59 | 11.99 |
| Price/Sales | 0.49 | 0.41 | 0.43 | 0.58 | 0.57 |
| Price/Book | 0.69 | 0.57 | 0.59 | 0.79 | — |
| EV/Revenue | 0.47 | 0.39 | 0.40 | 0.54 | 0.49 |
| ROE | 6.71% | 6.33% | 6.22% | 6.26% | — |
| ROA | 0.48% | 0.49% | 0.50% | 0.50% | 0.51% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Shares Short162,007
Change from Prior Settlement+0.63%
% of Float—
Days to Cover (Short Ratio)5.37
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 13.7% on the provider's reported measure. Finnhub fundamentals ↗
- Trailing 52-week price return is +14.9%. Finnhub market metrics ↗
Potential concerns
- Net profit margin is 4.8%. Finnhub fundamentals ↗
- Latest SEC filing is Form 8-K, filed 2026-10-21; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on CPSS
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $121.4M | $112.3M | $108.4M | $109.8M | $106.9M | $100.6M | $95.9M | $91.7M |
| Net income | $6.2M | $5.5M | $4.9M | $4.8M | $4.7M | $4.8M | $4.7M | $4.6M |
| EPS (diluted) | $0.27 | $0.24 | $0.20 | $0.20 | $0.19 | $0.20 | $0.19 | $0.19 |
| EPS (basic) | $0.29 | $0.25 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 |
| Net margin | $5 | $5 | $4 | $4 | $4 | $5 | $5 | $5 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.42B | $4.05B | $3.86B | $3.81B | $3.76B | $3.67B | $3.49B | $3.46B |
| Total liabilities | $4.10B | $3.74B | $3.55B | $3.50B | $3.46B | $3.38B | $3.20B | $3.18B |
| Stockholders' equity | $319.2M | $314.4M | $309.5M | $307.6M | $303.1M | $0 | $0 | $285.1M |
| Cash & equivalents | $7.5M | $6.9M | $6.3M | $9.4M | $15.8M | $29.8M | $11.7M | $8.1M |
| Property, plant & equipment | $1.3M | $1.3M | $771.0K | $882.0K | $1.0M | $1.2M | $943.0K | $1.1M |
| Other non-current assets | $28.6M | $30.2M | $29.4M | $31.1M | $41.9M | $36.2M | $35.8M | $40.9M |
| Long-term debt | — | — | — | — | — | — | — | — |
| Common stock & paid-in capital | $22.4M | $23.7M | $24.4M | $26.2M | $26.6M | $26.7M | $25.7M | $25.0M |
| Retained earnings | $298.2M | $291.9M | $286.4M | $281.4M | $276.6M | $271.8M | $267.1M | $261.9M |
| Accumulated other comprehensive income (loss) | -$1.3M | -$1.3M | -$1.3M | -$10.0K | -$10.0K | -$10.0K | -$10.0K | -$1.9M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $106.1M | $83.8M | $75.8M | $84.9M | $54.5M | $73.9M | $68.0M | $69.8M |
| Investing cash flow | -$446.3M | -$250.7M | -$97.9M | -$131.4M | -$166.7M | -$194.1M | -$232.9M | -$219.0M |
| Financing cash flow | $335.0M | $180.1M | $42.4M | $38.2M | $88.9M | $166.3M | $23.2M | $161.7M |
| Free cash flow | $105.9M | $83.0M | $75.7M | $84.9M | $54.3M | $73.4M | $67.9M | $69.7M |
| Capital expenditures | $172.0K | $796.0K | $65.0K | $49.0K | $124.0K | $471.0K | $77.0K | $100.0K |
| Depreciation & amortization | $249.0K | $225.0K | $176.0K | $207.0K | $249.0K | $249.0K | $212.0K | $214.0K |
| Share-based compensation | $578.0K | $512.0K | — | $500.0K | $645.0K | $717.0K | $2.1M | $727.0K |
| Deferred income taxes | — | — | $1.3M | — | — | — | $2.0M | — |
| Change in inventory | — | — | — | — | — | — | — | — |
| Share repurchases | $2.5M | $1.2M | $2.6M | $981.0K | $5.1M | $0 | $0 | $1.7M |
| Debt issued | — | — | — | — | — | — | — | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $434.5M | $393.5M | $352.0M | $329.7M | $267.8M |
| Net income | $19.3M | $19.2M | $45.3M | $86.0M | $47.5M |
| EPS (diluted) | $0.80 | $0.79 | $1.80 | $3.23 | $1.84 |
| EPS (basic) | $0.88 | $0.90 | $2.17 | $4.10 | $2.11 |
| Net margin | $4 | $5 | $13 | $26 | $18 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $3.86B | $3.49B | $2.90B | $2.75B | $2.16B |
| Total liabilities | $3.55B | $3.20B | $2.63B | $2.52B | $1.99B |
| Stockholders' equity | $309.5M | $292.8M | $274.7M | $228.4M | $170.2M |
| Cash & equivalents | $6.3M | $11.7M | $6.2M | $13.5M | $29.9M |
| Property, plant & equipment | $771.0K | $943.0K | $1.4M | $1.7M | $1.1M |
| Other non-current assets | $28.8M | $35.8M | $25.9M | $31.0M | $34.8M |
| Long-term debt | — | — | — | — | — |
| Common stock & paid-in capital | $24.4M | $25.7M | $28.7M | $28.9M | $55.3M |
| Retained earnings | $286.4M | $267.1M | $247.9M | $202.5M | $116.5M |
| Accumulated other comprehensive income (loss) | -$1.3M | -$10.0K | -$1.9M | -$3.0M | -$1.6M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $289.0M | $233.8M | $238.0M | $215.9M | $198.2M |
| Investing cash flow | -$590.1M | -$769.7M | -$359.5M | -$713.9M | -$115.4M |
| Financing cash flow | $335.9M | $547.9M | $84.2M | $484.2M | -$50.4M |
| Free cash flow | $288.3M | $233.3M | $237.4M | $213.8M | $196.2M |
| Capital expenditures | $709.0K | $433.0K | $559.0K | $2.1M | $2.0M |
| Depreciation & amortization | $881.0K | $862.0K | $847.0K | $1.6M | $1.7M |
| Share-based compensation | — | $3.0M | $3.5M | $4.4M | $2.0M |
| Deferred income taxes | $1.3M | $2.0M | $6.0M | — | — |
| Change in inventory | — | — | — | — | — |
| Share repurchases | $8.7M | $12.8M | $20.3M | $46.1M | $25.7M |
| Debt issued | — | — | — | — | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding CPSS as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-08-04 to 2026-10-01
Recent transactions
- Insiders have net sold 137,500 shares over the last 182 days, across 0 purchases and 5 sales.
- Most recent: Robinson Teri (Exec. Vice President) — Gift of 660 shares on 2026-10-01.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Purchases (open market)0 sh(0 txns)
Sales (open market)137,500 sh(5 txns)
Net Shares-137,500
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Robinson Teri | Exec. Vice President | Gift | 2026-10-01 | 660 |
| Jackson Noel | Sr. Vice President | Option exercise | 2026-09-01 | 7,500 |
| BRADLEY CHARLES E JR | CEO | Open market sale | 2026-08-26 | 125,000 |
| Ralston Catrina Marie | Sr. Vice President | Open market sale | 2026-08-12 | 3,617 |
| Lavin Michael T. | President | Option exercise | 2026-08-06 | 45,829 |
| Rayhill Brian | Director | Option exercise | 2026-08-06 | 30,000 |
| Bharwani Denesh | Exec. Vice President | Option exercise | 2026-08-05 | 60,000 |
| TERRY CHRIS | Exec. Vice President | Option exercise | 2026-08-05 | 60,000 |
| Baumeister Michele L | Sr. Vice President | Option exercise | 2026-08-04 | 30,000 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-10-01 | Robinson Teri | Exec. Vice President | Gift | 660 | $0.00 |
| 2026-09-01 | Jackson Noel | Sr. Vice President | Option exercise | 7,500 | $2.47 |
| 2026-09-01 | Jackson Noel | Sr. Vice President | Open market sale | 7,500 | $9.31 |
| 2026-08-26 | BRADLEY CHARLES E JR | CEO | Open market sale | 125,000 | $9.46 |
| 2026-08-12 | Ralston Catrina Marie | Sr. Vice President | Open market sale | 3,617 | $9.50 |
| 2026-08-10 | Ralston Catrina Marie | Sr. Vice President | Open market sale | 916 | $9.50 |
| 2026-08-07 | Ralston Catrina Marie | Sr. Vice President | Open market sale | 467 | $9.50 |
| 2026-08-06 | Lavin Michael T. | President | Option exercise | 45,829 | $2.47 |
| 2026-08-06 | Lavin Michael T. | President | Option exercise | 28,647 | $3.53 |
| 2026-08-06 | Lavin Michael T. | President | Option exercise | 61,353 | $3.53 |
| 2026-08-06 | Lavin Michael T. | President | Tax withholding | 36,525 | $9.57 |
| 2026-08-06 | Lavin Michael T. | President | Gift | 99,304 | $0.00 |
| 2026-08-06 | Lavin Michael T. | President | Gift | 99,304 | $0.00 |
| 2026-08-06 | Rayhill Brian | Director | Option exercise | 30,000 | $3.53 |
| 2026-08-06 | Rayhill Brian | Director | Tax withholding | 11,066 | $9.57 |
| 2026-08-05 | BRADLEY CHARLES E JR | CEO | Option exercise | 300,000 | $3.53 |
| 2026-08-05 | Bharwani Denesh | Exec. Vice President | Option exercise | 60,000 | $3.53 |
| 2026-08-05 | TERRY CHRIS | Exec. Vice President | Option exercise | 60,000 | $3.53 |
| 2026-08-05 | TERRY CHRIS | Exec. Vice President | Tax withholding | 27,787 | $9.18 |
| 2026-08-04 | Baumeister Michele L | Sr. Vice President | Option exercise | 30,000 | $3.53 |
| 2026-08-04 | Baumeister Michele L | Sr. Vice President | Tax withholding | 14,171 | $9.31 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 04:16 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-21 | 8-K | 2026-10-21 | View on SEC.gov → |
| 2026-10-13 | 8-K | 2026-10-09 | View on SEC.gov → |
| 2026-10-01 | 4 | 2026-10-01 | View on SEC.gov → |
| 2026-09-03 | 4 | 2026-09-01 | View on SEC.gov → |
| 2026-08-28 | 4 | 2026-08-26 | View on SEC.gov → |
| 2026-08-25 | 8-K | 2026-08-25 | View on SEC.gov → |
| 2026-08-21 | 8-K | 2026-08-18 | View on SEC.gov → |
| 2026-08-14 | 4 | 2026-08-12 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
Recent news
Headlines about CPSS (Consumer Portfolio Services, Inc.). Links open the publisher — we don’t host full articles.
-
Consumer Portfolio Services Completes $797.36M Subprime Auto Receivables Securitization 2026-D
Kalkine Media · 2026-10-21 -
About $797M in subprime car loans back Consumer Portfolio Services (CPSS)'s note deal.
Stock Titan · 2026-10-21 -
CPS Announces $767.85 Million Senior Subordinate Asset-Backed Securitization
Yahoo · 2026-10-21 -
Investors bought $768 million in notes backed by car loans from Consumer Portfolio Services.
Stock Titan · 2026-10-21 -
Understanding the Setup: (CPSS) and Scalable Risk
Stock Traders Daily · 2026-10-21 -
Wall Street Zen upgrades Consumer Portfolio Services stock to Buy
AD HOC NEWS · 2026-10-20 -
CPS sets October 27 vote: Consumer Portfolio Services stock trades at P/ E 10.05 - ad-hoc-news.de
ad-hoc-news.de · 2026-10-17 -
Consumer Portfolio Services (NASDAQ:CPSS) Upgraded at Wall Street Zen
MarketBeat · 2026-10-17
No headlines in this category right now — try “All”.