CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does CONSUMER PORTFOLIO SERVICES, INC. Do?
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 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. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada. CONSUMER PORTFOLIO SERVICES, INC. (CPSS) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Charles E. Bradley and employs approximately 740 people, headquartered in IRVINE, California. With a market capitalization of $168M, CPSS is one of the notable companies in the Financials sector.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Stock Rating — Reduce (April 2026)
As of April 2026, CONSUMER PORTFOLIO SERVICES, INC. receives a Reduce rating with a composite score of 40.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.CPSS ranks #2,886 out of 4,446 stocks in our coverage universe. Within the Financials sector, CONSUMER PORTFOLIO SERVICES, INC. ranks #710 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
CPSS Stock Price and 52-Week Range
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) currently trades at $8.24. The stock lost $0.11 (1.3%) in the most recent trading session. The 52-week high for CPSS is $10.51, which means the stock is currently trading -21.6% from its annual peak. The 52-week low is $6.67, putting the stock 23.6% above its annual trough. Recent trading volume was 13K shares, suggesting relatively thin trading activity.
Is CPSS Overvalued or Undervalued? — Valuation Analysis
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) carries a value factor score of 57/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 8.71x, compared to the Financials sector average of 14.88x — a discount of 41%. The price-to-book ratio stands at 0.55x, versus the sector average of 1.22x. The price-to-sales ratio is 0.39x, compared to 0.90x for the average Financials stock. On an enterprise value basis, CPSS trades at 5.84x EV/EBITDA, versus 3.26x for the sector.
Overall, CPSS's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
CONSUMER PORTFOLIO SERVICES, INC. Profitability — ROE, Margins, and Quality Score
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) earns a quality factor score of 25/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 6.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.5% versus the sector average of 1.2%.
On a margin basis, CONSUMER PORTFOLIO SERVICES, INC. reports gross margins of 0.0%. The operating margin is 6.5% (sector: 21.8%). Net profit margin stands at 4.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 13.1% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
CPSS Debt, Balance Sheet, and Financial Health
CONSUMER PORTFOLIO SERVICES, INC. has a debt-to-equity ratio of 1068.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.09x, suggesting adequate working capital coverage. Total debt on the balance sheet is $3.29B. Cash and equivalents stand at $9M.
CPSS has a beta of 0.40, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for CONSUMER PORTFOLIO SERVICES, INC. is 65/100, reflecting average volatility within the normal range for its sector.
CONSUMER PORTFOLIO SERVICES, INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, CONSUMER PORTFOLIO SERVICES, INC. reported revenue of $426M and earnings per share (EPS) of $0.22. Net income for the quarter was $19M. Gross margin was 0.0%. Operating income came in at $28M.
In Q3 2025, CONSUMER PORTFOLIO SERVICES, INC. reported revenue of $108M and earnings per share (EPS) of $0.22. Net income for the quarter was $5M. Revenue grew 7.8% year-over-year compared to Q3 2024. Operating income came in at $7M.
In Q2 2025, CONSUMER PORTFOLIO SERVICES, INC. reported revenue of $110M and earnings per share (EPS) of $0.22. Net income for the quarter was $5M. Revenue grew 14.5% year-over-year compared to Q2 2024. Operating income came in at $7M.
In Q1 2025, CONSUMER PORTFOLIO SERVICES, INC. reported revenue of $107M and earnings per share (EPS) of $0.22. Net income for the quarter was $5M. Revenue grew 16.5% year-over-year compared to Q1 2024. Operating income came in at $7M.
Over the past 8 quarters, CONSUMER PORTFOLIO SERVICES, INC. has demonstrated a growth trajectory, with revenue expanding from $92M to $426M. Investors analyzing CPSS stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
CPSS Dividend Yield and Income Analysis
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
CPSS Momentum and Technical Analysis Profile
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a momentum factor score of 34/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 67/100 reflects moderate short selling activity.
CPSS vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, CONSUMER PORTFOLIO SERVICES, INC. (CPSS) ranks #710 out of 891 stocks based on the Blank Capital composite score. This places CPSS in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing CPSS against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CPSS vs S&P 500 (SPY) comparison to assess how CONSUMER PORTFOLIO SERVICES, INC. stacks up against the broader market across all factor dimensions.
CPSS Next Earnings Date
No upcoming earnings date has been announced for CONSUMER PORTFOLIO SERVICES, INC. (CPSS) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy CPSS? — Investment Thesis Summary
The quantitative profile for CONSUMER PORTFOLIO SERVICES, INC. suggests caution. The quality score of 25/100 flags below-average profitability. Momentum is weak at 34/100, a headwind for near-term performance. Low volatility (stability score 65/100) reduces downside risk.
In summary, CONSUMER PORTFOLIO SERVICES, INC. (CPSS) earns a Reduce rating with a composite score of 40.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CPSS stock.
Related Resources for CPSS Investors
Explore more research and tools: CPSS vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CPSS head-to-head with peers: CPSS vs WTM, CPSS vs OPY, CPSS vs ACT.