CPSS
NASDAQ
US
Consumer Portfolio Services, Inc. - Common Stock
$7.74
▲ +$0.00
(+0.00%)
Vol 10K
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$205.9M
P/E
10.6
ROE
6.5%
Margin
4.7%
D/E
1117.03
Beta
1.07
52W
$7–$13
Wall Street Consensus
7 analysts · May 20223
Strong Buy
3
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 0.0%
Next Report
May 11, 2026
| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Mar 2026 | — | — | — |
| Dec 2025 | $0.23 | $0.21 | $-0.02 |
| Sep 2025 | $0.26 | $0.20 | $-0.06 |
| Jun 2025 | $0.27 | $0.20 | $-0.07 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $52.8M | $52.0M | $51.1M | $49.3M | $50.1M |
| Net Income | $5.1M | $4.7M | $4.8M | $4.9M | $5.0M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 6.6% | 6.6% | 6.6% | 6.6% | 6.5% | 6.5% |
| P/E (TTM) | 10.90 | 9.62 | 8.70 | 9.61 | 9.15 | 10.56 |
| Net Margin | 4.5% | 4.8% | 4.8% | 4.8% | 4.7% | 4.7% |
| Gross Margin | 45.0% | 46.7% | 46.7% | 46.7% | 46.2% | 46.2% |
| D/E Ratio | 1119.50 | 1119.50 | 1119.50 | 1119.50 | 1117.03 | 1117.03 |
| Current Ratio | 0.26 | 0.26 | 0.26 | 0.26 | 0.16 | 0.16 |
Key Ratios
ROA (TTM)
0.5%
P/S (TTM)
0.49
P/B
0.8
EPS (TTM)
$0.81
CF/Share
$2.14
Rev Growth 3Y
+11.0%
52W High
$12.73
52W Low
$6.67
$6.67
52-Week Range
$12.73
Financial Health
Free Cash Flow
$75.7M
Net Debt
$3.5B
Cash
$6.3M
Total Debt
$3.5B
As of Dec 31, 2025
How does CPSS compare to Financial Services peers?
Peer group: Micro-cap Financial Services (All) · 234 companies
CPSS valuation vs Financial Services peers
P/E ratio
10.6
▼
9%
below
peers
(11.6)
vs Peers
vs Industry
Undervalued
P/S ratio
0.5
▼
84%
below
peers
(3.0)
vs Peers
vs Industry
Undervalued
P/B ratio
0.8
▼
39%
below
peers
(1.3)
vs Peers
vs Industry
Undervalued
Div yield
—
▼
0%
below
peers
(6.0%)
vs Peers
vs Industry
In line
CPSS profitability vs Financial Services peers
ROE
6.5%
▼
23%
below
peers
(8.4%)
vs Peers
vs Industry
Below avg
Net margin
4.7%
▼
48%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Gross margin
46.2%
▼
16%
below
peers
(54.9%)
vs Peers
vs Industry
Weak
ROA
0.5%
▼
75%
below
peers
(2.1%)
vs Peers
vs Industry
Weak
CPSS financial health vs Financial Services peers
D/E ratio
1117.0
▲
1194%
above
peers
(86.3)
vs Peers
vs Industry
High debt
Current ratio
0.2
▼
87%
below
peers
(1.2)
vs Peers
vs Industry
Low liquidity
Beta
1.1
▲
26%
above
peers
(0.9)
vs Peers
vs Industry
More volatile
CPSS fundamentals radar
CPSS
Peer median
Industry
CPSS profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CPSS vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
WOOD DANIEL S
Director · Mar 13
20000 shs
BHARWANI DENESH
Officer · Feb 12
9000 shs
ROBINSON TERI L
Officer · Jan 07
1320 shs
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As of Dec 31, 2025
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