C

    Consumer Portfolio Services Inc (CPSS)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $9.23
    -0.19 (-2.02%)

    Market Cap: $198.95M

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    56%(20/36)
    Avg Surprise
    +43.91%
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    Reported Aug 4
    		$0.27N/AN/ABeat+35.0%
    Mar 26
    Reported May 5
    		$0.24N/AN/ABeat+23.9%
    Dec 25
    Reported Mar 10
    		$0.21$0.23-8.70%Miss+0.0%
    Sep 25
    Reported Nov 10
    		$0.20$0.25-20.00%Miss+0.0%
    Jun 25
    Reported Aug 11
    		$0.20$0.26-23.08%Miss+3.8%
    Mar 25
    Reported May 12
    		$0.19$0.30-36.67%Miss+1.8%
    Dec 24
    Reported Feb 25
    		$0.21$0.27-22.22%Miss-27.3%
    Sep 24
    Reported Oct 31
    		$0.20$0.21-4.76%Miss-61.5%
    Jun 24
    Reported Jul 30
    		$0.19$0.00N/ABeat-63.0%
    Mar 24
    Reported May 10
    		$0.19$0.00N/ABeat-64.1%
    Dec 23
    Reported Mar 15
    		$0.29$0.26+11.12%Beat-44.4%
    Sep 23
    Reported Nov 9
    		$0.52$0.18+188.89%Beat+0.0%
    Jun 23
    Reported Aug 2
    		$0.52$0.18+188.89%Beat-42.9%
    Mar 23
    Reported Apr 26
    		$0.52$0.18+188.89%Beat-30.7%
    Dec 22
    Reported Mar 9
    		$0.52$0.18+188.89%Beat-26.8%
    Sep 22
    Reported Nov 9
    		$0.52$0.18+188.89%Beat+0.0%
    Jun 22
    Reported Jul 25
    		$0.91$0.19+378.95%Beat+133.3%
    Mar 22
    Reported Apr 18
    		$0.75$0.75+0.00%Beat+257.1%
    Dec 21
    Reported Feb 14
    		$0.71$0.20+255.00%Beat+317.6%
    Sep 21
    Reported Oct 27
    		$0.52$0.19+173.68%Beat+225.0%
    Jun 21
    Reported Aug 11
    		$0.39$0.21+85.71%Beat+200.0%
    Mar 21
    Reported May 10
    		$0.21$0.23-8.70%Miss-53.3%
    Dec 20
    Reported Feb 23
    		$0.17$0.23-26.09%Miss+10525.0%
    Sep 20
    Reported Oct 19
    		$0.16$0.30-46.67%Miss+100.0%
    Jun 20
    Reported Jul 21
    		$0.13N/A-53.57%Miss+62.5%
    Mar 20
    Reported Apr 15
    		$0.45$0.19+136.84%Beat+542.9%
    Dec 19
    Reported Mar 16
    		$0.00N/A-98.00%Miss-98.8%
    Sep 19
    Reported Oct 29
    		$0.08$0.08+0.00%Beat-38.5%
    Jun 19
    Reported Jul 24
    		$0.08$0.08+0.00%Beat-38.5%
    Mar 19
    Reported Apr 18
    		$0.07N/A-58.82%Miss-41.7%
    Dec 18
    Reported Feb 12
    		$0.13$0.13+0.00%Beat-35.0%
    Sep 18
    Reported Oct 17
    		$0.13$0.12+8.33%Beat-23.5%
    Jun 18
    Reported Jul 24
    		$0.13$0.14-7.14%Miss-23.5%
    Mar 18
    Reported Apr 18
    		$0.12$0.13-7.69%Miss-25.0%
    Dec 17
    Reported Feb 14
    		$0.20$0.17+17.65%Beat-23.1%
    Sep 17
    Reported Oct 23
    		$0.17$0.17+0.00%Beat-34.6%
    Jun 17
    Reported Jul 24
    		$0.17$0.18-5.56%Miss-
    Mar 17
    Reported Apr 19
    		$0.16$0.20-20.00%Miss-
    Dec 16
    Reported Feb 14
    		$0.26$0.24+8.33%Beat-
    Sep 16
    Reported Oct 17
    		$0.26$0.24+8.33%Beat-

    Key Metrics

    Valuation
    P/E Ratio10.08EV/EBITDAN/A
    Price/FCF0.57xFCF Yield175.02%
    Profitability
    Profit Margin10.20%Operating Margin15.80%
    ROE6.94%ROIC0.52%
    Financial Health
    Debt/Equity12.03xInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.11Avg Volume16.15K
    52-Week High$10.4952-Week Low$7.15

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$9.29
    SMA 20$9.34
    SMA 50$9.38
    SMA 200$8.92
    EMA 10$9.33
    EMA 20$9.34
    EMA 50$9.35
    EMA 200$9.06

    MACD

    Line: -0.02Signal: -0.02Hist: 0.00

    ADX

    ADX: 10.8+DI: 17.9-DI: 19.0

    Aroon & PSAR

    Aroon Up16.0
    Aroon Down60.0
    PSAR$9.08

    Bollinger Bands

    Upper Band$9.63
    Lower Band$9.04
    %B Position637%(Upper)
    Band Width0.32

    RSI (14-Day)

    Neutral
    46.9

    Momentum Oscillators

    Stoch %K43.8
    Stoch %D49.7
    Williams %R-74.2
    ROC (10d)0.4%
    Momentum0.04
    CCI (20d)-31.4
    MFI (14d)59.8

    Volatility Measures

    ATR (14d)$0.28(3.0%)
    StdDev (20d)0.15
    Hist Vol31.8%(Moderate)

    Volume Flow

    VWAP$9.32
    OBV1.1M
    AD Line436.2K
    CMF (20d)-0.154

    Volume Metrics

    Avg Vol (20d)16.3K
    Vol Ratio0.9x
    VWMA (20d)$9.35

    Pivot Points

    R3$9.75
    R2$9.67
    R1$9.55
    Pivot Point$9.47
    S1$9.35
    S2$9.27
    S3$9.15

    Advanced Oscillators

    TSI-1.70
    Ultimate Osc38.5
    KST-7.66

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$121.39M$112.33M$109.41M$108.42M$109.76M$106.87M$105.30M$100.58M$95.88M$91.74M$124.74M$92.08M
    Cost of RevenueN/A$450,000$58.84M$58.39M$57.92M$53.94M$51.79M$49.06M$44.76M$40.33M$38.68M$35.89M
    Gross ProfitN/A$111.88M$50.57M$50.03M$51.84M$52.94M$53.51M$51.52M$51.12M$51.41M$53.30M$56.19M
    Operating Expenses$112.35M$104.31M$102.19M$101.39M$102.81M$100.07M$97.95M$93.73M$89.21M$85.19M$114.89M$77.86M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$68.09M$7.22M$7.03M$6.95M$6.80M$7.35M$6.85M$6.67M$6.56M$9.84M$14.22M
    Interest Income$118.11M$108.72M$108.24M$107.17M$105.36M$101.93M$98.15M$93.16M$88.37M$84.29M$83.26M$83.26M
    Interest Expense$0$0$59.30M$0$0$0$52.52M$0$0$0$-32,759,000$0
    Income Before Tax$9.04M$8.03M$7.22M$7.03M$6.95M$6.80M$7.35M$6.85M$6.67M$6.56M$9.84M$14.22M
    Income Tax Expense$2.80M$2.49M$2.24M$2.18M$2.15M$2.11M$2.21M$2.06M$2.00M$1.97M$2.66M$3.84M
    Net Income$6.23M$5.54M$4.98M$4.85M$4.80M$4.69M$5.14M$4.80M$4.67M$4.59M$7.19M$10.38M
    EBITDA$12.47M$11.69M$10.65M$10.54M$10.36M$9.92M$10.40M$9.76M$12.61M$6.10M$12.47M$16.88M
    EBIT$9.04M$8.03M$7.22M$7.03M$6.95M$6.80M$7.35M$6.85M$6.67M$6.56M$9.84M$14.22M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Consumer Portfolio Services (NASDAQ:CPSS) CEO Charles Bradley Jr Sells 125,000 Shares

    Consumer Portfolio Services (NASDAQ:CPSS) CEO Charles Bradley Jr. sold 125,000 shares of the company's stock for $1.18 million, reducing his direct holdings by nearly 3%. The credit services provider reported Q2 earnings of $0.27 per share on $57.14 million in revenue, while institutional investors own 47.57% of the company. Analysts currently have a "Hold" rating on CPSS stock.

    MarketBeat•8/29/26•
    Somewhat-Bearish

    Consumer Portfolio Services (CPSS) lifts auto originations to $758M

    Consumer Portfolio Services (CPSS) reported strong financial performance for the quarter ended June 30, 2026, with auto contract purchases significantly increasing to $757.7 million and net income rising to $6.2 million. The company highlighted its record portfolio size of $4.31 billion and 59 consecutive profitable quarters, attributing growth to its sub-prime auto focus and AI-driven credit scorecards. Despite increased originations, delinquencies and net charge-offs saw modest improvements.

    Stock Titan•8/25/26•
    Neutral

    Consumer Portfolio Services (NASDAQ:CPSS) Share Price Passes Above Two Hundred Day Moving Average - Should You Sell?

    Consumer Portfolio Services (CPSS) stock has moved above its 200-day moving average, trading at $9.16 with a 200-day average of $8.96. Analyst sentiment has seen modest improvement with "Hold" ratings from Weiss Ratings, Wall Street Zen, and MarketBeat. The company recently reported quarterly EPS of $0.27 on $57.14 million in revenue, while insiders sold 12,000 shares worth approximately $114,910 in the past 90 days.

    MarketBeat•8/25/26•
    Neutral

    Consumer Portfolio (NASDAQ: CPSS) sells 10.25% notes backed by residual auto-loan stakes

    Consumer Portfolio Services, Inc. (CPSS) has completed an $80.0 million securitization of residual interests from its auto-loan securitizations. These asset-backed notes carry a 10.25% coupon and were purchased by a qualified institutional buyer in a private offering. The proceeds were partly used to repay a higher-coupon financing from March 2024, with the collateral from that transaction now securing the new notes.

    Stock Titan•8/22/26•
    Neutral

    Consumer Portfolio Services sells $80 million in notes at 10.25%

    Consumer Portfolio Services (Nasdaq: CPSS) has successfully closed an $80 million securitization of residual interests. A qualified institutional buyer purchased asset-backed notes with a 10.25% coupon, backed by residual interests from seven prior CPS securitizations. Part of the proceeds was used to repay higher-coupon residual interest financing from March 2024, with the notes offering monthly interest payments and principal payments as needed to maintain a minimum collateral ratio.

    Stock Titan•8/18/26•
    Somewhat-Bullish

    Frequently Asked Questions About CPSS

    Does CPSS pay dividends?
    Consumer Portfolio Services Inc (CPSS) does not currently pay a regular dividend.
    What is CPSS's P/E ratio?
    Consumer Portfolio Services Inc has a price-to-earnings (P/E) ratio of 10.08.
    What is CPSS's market cap?
    Consumer Portfolio Services Inc (CPSS) has a market capitalization of $198.95M with a current stock price of $9.23.

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