Consumer Portfolio Services, Inc. (CPSS) Stock

Consumer Portfolio Services, Inc. (CPSS) is a Financials stock trading at $9.31 (as of 2026-08-20), with a market capitalization of $200.46M and a trailing P/E of 9.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Consumer Portfolio Services, Inc. purchases and services retail automobile installment contracts originated by franchised and select independent automobile dealers, providing customers with indirect financing for purchases of new and used automobiles, light trucks, and passenger vans. It also serves as a source of dealer financing and acquires certain installment purchase contracts, with contract servicing conducted through branches in California, Nevada, Virginia, Florida, and Illinois.

Understand Consumer Portfolio Services, Inc.: how it makes money

Consumer Portfolio Services buys and services retail automobile contracts from dealers, providing indirect financing to customers with limited credit histories or past credit problems, and it earns money through the income generated by those purchased auto loan portfolios.

Profitability depends mainly on the credit performance of the auto receivables it purchases from dealers, since delinquency and charge-offs directly affect how much value is realized from its portfolio balances.

Business quality (Mixed): The company appears to be a credit-driven auto finance model, where portfolio size and delinquencies are key operating indicators.

Valuation: At 11× earnings, CPSS trades 11% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Meaningful portfolio scale: Assets Under Management are USD_B 3.94, and most of the portfolio is in the Fair Value Portfolio Balance (USD_B 3.65).
Credit collections show active recovery: Charge-Off Balance Collections Collected in Three Months is 40.0 percent, indicating ongoing efforts to collect from previously charged-off balances.
Dealership distribution supports origination flow: Dealers Funding Contracts Circularly is 4400 and Dealers That Send Applications is 8385, suggesting a broad dealer channel for applications.

Bear case

Elevated credit risk by customer profile: Average FICO Score is 578.0 and Delinquency Rate is 9.7 percent, indicating the portfolio serves borrowers with weaker credit histories.
Delinquency can pressure earnings: Delinquency and related outcomes are central to the model, so deterioration in Delinquency Rate could reduce the value realized from portfolio balances.
Economic sensitivity: Unemployment Rate is 4.3 percent, and rising unemployment could increase credit stress for borrowers, worsening delinquencies.

Valuation — source: SEC EDGAR (first-party)
Price	$9.31
Market Cap	$200.46M
P/E Ratio	9.3
EV / EBITDA	0.6
Price / Book	0.63
Price / Sales	0.44
FCF Yield	174.3%
DCF Value (model)	$11.96
DCF Upside vs Price	28.5%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$434.47M
Net Margin	4.4%
Return on Equity	6.8%
Revenue Growth (YoY)	10.6%
EPS Growth (YoY)	31.8%
FCF Growth (YoY)	94.9%

Valuation vs Sector & Industry
Stock P/E	9.3
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-38.7%
vs Industry	-28.2%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	Black Diamond Capital Management I, LLLP ($39.63M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Charles E. Bradley Jr.
Employees	943
Country	US
IPO Date	1992-10-22

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Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.