Consumer Portfolio Services, Inc.

Consumer Portfolio Services, Inc.

CPSS
Consumer Portfolio Services, Inc.US flagNASDAQ Global Market
9.15
USD
-0.33
- -
198.54MMarket Cap
Consumer Portfolio Services, Inc.
CPSS
(NASDAQ Global Market)

Recent

price

9.15

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.21
3.16
5.54
8.67
9.98
11.8
14.06
15.08
13.11
10.5
7.51
8.54
11.56
9.83
9.5
9.25
9.23
Revenue per Share
-1.9
-0.76
3.56
0.98
1.18
1.34
1.2
0.17
0.68
0.24
0.96
2.11
4.1
2.17
0.9
0.88
0.92
Basic EPS, GAAP
2.44
0.55
1.78
4.59
5.39
7.19
8.02
9.48
9.78
9.64
10.56
8.7
10.2
11.36
10.96
13.17
13.56
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.35
-0.3
3.44
4.44
5.28
6.47
7.92
8.42
9.31
9.42
6.28
7.62
11.04
13.23
13.75
14.2
14.37
Book Value per Share
0.05
-0.75
3.15
4.39
5.08
6.21
7.65
8.11
8.96
9.04
5.9
7.54
10.9
13.14
13.75
14.14
14.31
Tangible Book Value per Share
17
19
19
22
25
26
24
23
22
22
23
23
21
21
21
22
22
Basic Weighted Avg Shares
74
60
108
187
250
306
342
342
288
235
170
193
242
205
202
202
203
Sales/Revenue/Turnover
-22.88
- -
8.52
19.92
20.91
20.07
14.51
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
- -
- -
1
1
1
1
1
2
2
2
1
1
1
1
Depreciation Expense
-33
-14
69
21
30
35
29
4
15
5
22
48
86
45
19
19
20
Net Income, GAAP
- -
- -
- -
43.49
43.5
43.5
41
88.26
20.54
41
- -
27.72
26
25.79
30
30.99
30.99
Effective Tax Rate (%)
-45.07
-24.07
64.39
11.25
11.81
11.34
8.56
1.1
5.15
2.3
12.76
24.68
35.5
22.08
9.49
9.55
9.95
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
672
851
937
1,267
1,627
1,744
2,096
2,100
2,120
2,155
1,850
1,840
2,184
2,333
2,720
3,159
3,201
LT Debt
2
-14
61
95
127
161
186
184
197
203
133
170
228
275
293
310
314
Total Equity
- -
- -
- -
1.77
1.85
1.77
1.31
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-170.07
- -
- -
25.83
25.89
23.11
16.25
1.96
7.51
2.6
12.28
30.29
42.65
17.85
6.75
6.4
6.57
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
341
325
467
LT Borrowings
3,095
3,159
3,201
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
22
22
22
Market Capitalization
164
204
170

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
9
6
7
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
67
65
70
ST Debt
341
325
467
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.45%
18.88%
5.73%
Free Cash Flow
4.99%
4.81%
23.56%
Net Income, GAAP
52.53%
19.18%
0.64%
Sales/Revenue/Turnover
-2.76%
4.51%
0.1%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
50
49
51
53
202
2025
52
51
49
50
202
2026
52
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.22
0.22
0.24
0.9
2025
0.22
0.22
0.22
0.23
0.88
2026
0.25
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Consumer Portfolio Services, Inc. (CPSS) operates as a specialty finance company that provides indirect subprime auto financing solutions to a nationwide network of independent and franchised automobile dealers located throughout the United States. The company purchases retail installment sales contracts originated by these dealers primarily for purchases of used vehicles by consumers with less-than-perfect credit histories; it offers a range of flexible financing programs including standard, road-to-reapproval, and first-time buyer options, supported by proprietary credit scoring models and portfolio management systems. CPSS maintains a portfolio of auto loans across various risk tiers, with services encompassing contract purchasing, servicing, and collection activities. Founded in 1991 and headquartered in Las Vegas, Nevada, the company focuses on the subprime automotive finance segment, targeting individual consumers seeking vehicle financing through dealer networks in all 50 U.S. states. It operates without significant international presence or notable subsidiaries, functioning as a standalone public entity listed on the Nasdaq under the ticker CPSS. In recent developments, CPSS reported strong quarterly financial performance in 2025, including portfolio growth and stable delinquencies amid competitive market conditions; the company continues to emphasize portfolio optimization and compliance enhancements without major acquisitions, partnerships, or structural changes announced in the past 1-2 years.

Company News

APIChat
  • Consumer Portfolio Services, Inc. (CPSS) Q1 2026 Earnings Call Prepared Remarks Transcript

  • CPS Announces First Quarter 2026 Earnings

  • Contrasting Consumer Portfolio Services (NASDAQ:CPSS) & Jefferies Financial Group (NYSE:JEF)

  • CPS Announces $514.07 Million Senior Subordinate Asset-Backed Securitization

  • CPS Announces Credit Facility Capacity Increase

  • Consumer Portfolio Services, Inc. (CPSS) Q4 2025 Earnings Call Prepared Remarks Transcript

  • CPSS Reports Earnings

  • CPS Announces Fourth Quarter and Full Year 2025 Earnings

  • CPS to Host Conference Call on Fourth Quarter 2025 Earnings

  • CPS Announces $50.0 Million Securitization of Residual Interests

  • Consumer Portfolio Services (NASDAQ:CPSS) vs. Bread Financial (NYSE:BFH) Head-To-Head Survey

  • CPS Announces $345.61 Million Senior Subordinate Asset-Backed Securitization

  • Financial Survey: Consumer Portfolio Services (NASDAQ:CPSS) vs. BB Seguridade Participacoes (OTCMKTS:BBSEY)

  • CPS Announces New $900 Million Forward Flow Agreement

  • Black Diamond Announces Intent to Vote “Against” CPSS Equity Incentive Plan

  • Consumer Portfolio Services, Inc. (CPSS) Q3 2025 Earnings Call Prepared Remarks Transcript

  • CPS Announces Third Quarter 2025 Earnings

  • CPS to Host Conference Call on Third Quarter 2025 Earnings

  • CPS Announces $384.6 Million Senior Subordinate Asset-Backed Securitization

  • CPS Announces Closing of $167.5 Million Credit Facility