logo
Twitter
Discord
Email
logo
Consumer Portfolio Services, Inc.

Consumer Portfolio Services, Inc.

NASDAQ•CPSS
CEO: Mr. Charles E. Bradley Jr.
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 1992-10-22
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. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
Contact Information
3763 Howard Hughes Parkway, Las Vegas, NV, 89169, United States
949-753-6800
www.consumerportfolio.com
Market Cap
$192.02M
P/E (TTM)
9.9
27.8
Dividend Yield
--
52W High
$12.73
52W Low
$6.67
52W Range
33%
Rank52Top 73.5%
2.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$108.42M+7.80%
4-Quarter Trend

EPS

$0.22+0.00%
4-Quarter Trend

FCF

$85.39M+22.58%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Interest Income Strong Growth Nine months interest income reached 314.5M USD, marking an 18.3% increase over the prior year period.
Operating Cash Flow Rises Cash provided by operating activities totaled 213.2M USD for nine months, significantly improving liquidity position.
Total Assets Expansion Total assets grew to 3.81B USD as of September 30, 2025, reflecting successful portfolio growth initiatives.
Quarterly Earnings Stable Quarterly basic EPS held steady at $0.22 for both 2025 and 2024 periods, showing earnings consistency.

Risk Factors

High Substantial Indebtedness Total debt stands at $3.44B USD, heavily reliant on securitization debt, potentially impairing future operations.
Credit Loss Rate Increase Annualized net charge-offs increased slightly to 7.67% for nine months ended September 30, 2025.
Litigation Exposure Noted Ongoing legal proceedings concerning deficiency judgments present potential material adverse financial impact.
Extension Program Reliance Prudent extension program is integral, but reliance on extensions masks underlying obligor payment issues.

Outlook

New Credit Facility Secured Executed new $167.5M credit facility, extending maturity to April 2028 and increasing advance rate flexibility.
Recent Securitization Activity Completed fourth securitization in October 2025, issuing $384.6M asset-backed notes to fund operations.
Stock Repurchase Program Purchased 112.5M shares during the period, utilizing capital allocation for shareholder returns.
Tax Benefits Stable No unrecognized tax benefits for uncertain tax positions anticipated to change significantly over next 12 months.

Peer Comparison

Revenue (TTM)

B. Riley Financial, Inc.RILY
$922.23M
-32.9%
CPI Card Group Inc.PMTS
$515.58M
+12.5%
Consumer Portfolio Services, Inc.CPSS
$430.36M
+13.2%

Gross Margin (Latest Quarter)

Noah Holdings LimitedNOAH
80.1%
+0.1pp
B. Riley Financial, Inc.RILY
75.3%
+10.8pp
Peoples Bancorp of North Carolina, Inc.PEBK
72.6%
+1.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
RILY$272.01M1.2-56.0%89.4%
MRBK$203.80M10.211.4%0.0%
PEBK$194.31M11.611.9%1.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.0%
Moderate Growth
4Q Net Income CAGR
-1.9%
Stable Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 24, 2026
|
EPS:$0.23
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $108.42M+7.8%
    |
    EPS: $0.22+0.0%
    Miss
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 11, 2025|
    Revenue: $109.76M+14.5%
    |
    EPS: $0.22+0.0%
    Miss
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 12, 2025|
    Revenue: $106.87M+16.5%
    |
    EPS: $0.22+0.0%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 12, 2025|
    Revenue: $393.51M+11.8%
    |
    EPS: $0.90-58.5%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $100.58M+9.2%
    |
    EPS: $0.22-55.1%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $95.88M+13.0%
    |
    EPS: $0.22-67.2%
    Miss
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $91.74M+10.4%
    |
    EPS: $0.22-67.6%
    Miss
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 15, 2024|
    Revenue: $352.01M+6.8%
    |
    EPS: $2.17-47.1%
    Beat