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Consumer Portfolio
CPSS.US
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.
571.58 B
CPSS.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Consumer FinanceIndustry
Industry Ranking37/50
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE6.58%C
    • Profit Margin9.92%B
    • Gross Margin100.00%A
  • Growth ScoreC
    • Revenue YoY6.67%C
    • Net Profit YoY-8.27%C
    • Total Assets YoY10.02%B
    • Net Assets YoY7.88%B
  • Cash ScoreB
    • Cash Flow Margin1008.42%B
    • OCF YoY6.67%C
  • Operating ScoreE
    • Turnover0.05E
  • Debt ScoreE
    • Gearing Ratio91.93%E

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    Consumer Portfolio Services Inc. Held Annual Shareholder Meeting

    Consumer Portfolio Services Inc. held its annual shareholder meeting on November 19, 2025. All nominated directors were elected, Crowe LLP was ratified as independent auditors, and the 2025 Equity Incentive Plan was approved. Shareholders also approved an advisory resolution on the frequency of future advisory votes on executive compensation.

    Reuters·
    US
    CPSS
    +1.52%
    Reuters·
    US
    CPSS
    +1.52%

    Consumer Portfolio Services Highlights AI in Loan Strategy

    Consumer Portfolio Services has updated its investor presentation, emphasizing the use of AI and machine learning to improve loan quality and operational efficiency. The company highlights its strong position in sub-prime auto financing, leveraging historical data for profitability. Analysts rate CPSS stock as Hold with a $8.50 target, noting stable financial performance but challenges with high leverage and low profitability margins.

    Tip Ranks·
    US
    CPSS
    +1.52%
    Tip Ranks·
    US
    CPSS
    +1.52%

    Consumer Portfolio Services, Inc September 2025 Investor Presentation

    Consumer Portfolio Services, Inc released an investor presentation on November 19, 2025, highlighting its financial performance and strategic initiatives. Key points include a managed portfolio of $3.89 billion, 56 consecutive profitable quarters, AI-driven originations scorecard, increased APRs from 17.72% to 19.89%, and strong demand for used vehicles. The presentation is based on an SEC filing dated November 19, 2025.

    TradingView·
    US
    CPSS
    +1.52%
    TradingView·
    US
    CPSS
    +1.52%

    Consumer Portfolio Services Faces Pushback on New Equity Incentive Plan

    Consumer Portfolio Services Inc. (CPSS) is facing opposition from its largest shareholder, Black Diamond Capital Management, regarding its proposed 2025 Equity Incentive Plan. Black Diamond plans to vote against the plan, citing concerns over stock underperformance and potential dilution of shareholder value. They argue that the CEO, who already holds a significant share and has been a major recipient of option awards, would benefit disproportionately from the new plan, potentially entrenching management amid ongoing underperformance.

    Reuters·
    US
    CPSS
    +1.52%
    Reuters·
    US
    CPSS
    +1.52%

    Consumer Portfolio | 8-K: FY2025 Q3 Revenue: USD 108.42 M

    LB filings·
    US
    CPSS
    +1.52%
    LB filings·
    US
    CPSS
    +1.52%
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