CPSS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $9.09
Market Cap (MRQ) $196M
P/E (TTM) 9.9
EPS (TTM) $0.92
Revenue (TTM) $452M
ROE (TTM) 6.9%
52W Range $7–$10

CPSS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
range
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Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.

Stock splits 1
Ex-date Split Type
March 15, 1996 2-for-1 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$434M
2016-12-31 → 2025-12-31
EPS$0.80
2016-12-31 → 2025-12-31
Free Cash Flow$288M
2016-12-31 → 2025-12-31
Net margin4.8%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend CPSS 5Y avg Peer Median Verdict
P/E (TTM) 9.95Y avg ≈8.0 ≈8.0 8.7 Overvalued
P/S (TTM) 0.45Y avg ≈0.5 ≈0.5 0.5 Fair value
P/B (MRQ) 0.65Y avg ≈0.7 ≈0.7 1.0 Undervalued
Price / FCF (TTM) 0.65Y avg ≈0.8 ≈0.8 · ·
Price / Cash Flow (TTM) 0.65Y avg ≈0.8 ≈0.8 1.2 Undervalued
Price / Tangible Book 0.65Y avg ≈0.9 ≈0.9 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -23.6%
Next Report Nov 09, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 10, 2026 $0.27 — —
Dec. 31, 2025 $0.21 $0.23 -10.5%
Sept. 30, 2025 $0.20 $0.26 -21.6%
June 30, 2025 $0.20 $0.27 -24.6%
March 31, 2025 $0.19 $0.31 -37.9%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 13
Metric Trend 202520242023202220212020201920182017201620152014
Revenue $434M$394M$352M$330M$268M$271M$346M$390M$434M$422M$364M$300M
SG&A Expense $53M$55M$50M$38M$35M$32M$33M$31M$27M$25M$20M$19M
Operating Expenses $406M$366M$291M$214M$202M$251M······
Interest Expense $232M$191M$147M$88M$75M$101M$111M$101M$92M$80M$58M$50M
Interest Income $423M$364M$329M$305M$266M$265M$337M$380M····
Pretax Income $28M$27M$61M$116M$66M$20M$9M$19M$32M$50M$61M$52M
Income Tax $9M$8M$16M$30M$18M$-2M$4M$4M$28M$20M$27M$23M
Net Income $19M$19M$45M$86M$48M$22M$5M$15M$4M$29M$35M$30M
EPS (Basic) $0.88$0.90$2.17$4.10$2.11$0.96$0.24$0.68$0.17$1.20$1.34$1.18
EPS (Diluted) $0.80$0.79$1.80$3.23$1.84$0.90$0.22$0.59$0.14$1.01$1.10$0.92
Shares (Basic) 21,889,00021,292,00020,896,00020,958,00022,562,00022,611,00022,416,00021,989,00022,687,00024,356,00025,935,00025,040,000
Shares (Diluted) 24,081,00024,325,00025,218,00026,589,00025,780,00024,003,00024,064,00024,988,00027,214,00029,035,00031,584,00032,032,000
EBITDA $881.0K$862.0K$847.0K······$777.0K$637.0K$428.0K
Balance Sheet 15
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents $6M$12M$6M$13M$30M$13M$5M$13M$13M$14M$19M$18M
PP&E (Net) $771.0K$943.0K$1M$2M$1M$828.0K$2M$2M$2M$2M$2M$1M
PP&E (Gross) $11M$11M$10M$10M$9M$8M$10M$9M$8M$8M$8M$7M
Accum. Depreciation $10M$10M$9M$8M$8M$7M$8M$8M$7M$6M$6M$6M
Other Non-current Assets $29M$36M$26M$31M$35M$32M$40M$27M$23M$30M$23M$24M
Total Assets $3.86B$3.49B$2.90B$2.75B$2.16B$2.15B$2.54B$2.49B$2.42B$2.41B$2.13B$1.83B
Accounts Payable $65M$70M$63M$55M$44M$43M$47M$32M$29M$25M$30M$22M
Total Liabilities $3.55B$3.20B$2.63B$2.52B$1.99B$2.01B$2.34B$2.29B$2.24B$2.22B$1.97B$1.71B
Long-term Debt ··········$24M$28M
Common Stock $24M$26M$29M$29M$55M$73M$71M$70M$72M$77M$81M$81M
Retained Earnings $286M$267M$248M$203M$117M$69M$140M$134M$120M$116M$86M$52M
AOCI $-1M$-10.0K$-2M$-3M$-2M$-9M$-8M$-8M$-7M$-7M$-7M$-5M
Stockholders' Equity $310M$0$275M$228M$170M$133M$110M$197M$184M$186M$161M$127M
Liabilities + Equity $3.86B$3.49B$2.90B$2.75B$2.16B$2.15B$2.54B$2.49B$2.42B$2.41B$2.13B$1.83B
Shares Outstanding 21,842,45721,432,69821,174,85620,131,32321,143,76422,737,34222,530,91822,421,68821,488,58923,587,12625,616,46025,540,640
Cash Flow 16
Metric Trend 202520242023202220212020201920182017201620152014
D&A $881.0K$862.0K$847.0K$2M$2M$2M$1M$992.0K$934.0K$777.0K$637.0K$428.0K
Stock-based Comp ·$3M$3M$4M$2M$2M$2M$4M$6M$6M$5M$4M
Deferred Tax $1M$2M$6M·········
Other Non-cash $267M$211M$188M······$161M$147M$102M
Operating Cash Flow $289M$234M$238M$216M$198M$239M$217M$216M$216M$196M$188M$136M
CapEx $709.0K$433.0K$559.0K$2M$2M$24.0K$751.0K$1M$669.0K$1M$1M$823.0K
Investing Cash Flow $-590M$-770M$-360M$-714M$-115M$93M$-229M$-242M$-211M$-438M$-441M·
Debt Issued ·····$7M$6M$3M$4M$3M$2M$579.0K
Net Debt Issued ·········$3M$2M$579.0K
Stock Repurchased $9M$13M$20M$46M$26M$1M$1M$5M$12M$10M$6M$0
Net Stock Activity $-9M$-13M$-20M······$-10M$-6M$0
Financing Cash Flow $336M$548M$84M$484M$-50M$-328M$23M$31M$-7M$243M$255M·
Net Change in Cash $35M$12M$-37M$-14M$32M$3M$11M$5M$-2M$1M$1M$-4M
Taxes Paid $7M$12M$4M$16M$14M$-24M$-5M$417.0K$9M$33M$14M$7M
Free Cash Flow $288M$233M$237M······$195M$186M$135M
Levered FCF $128M$99M$129M······$148M$154M$107M
Profitability 5
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 4.5%4.9%12.9%······6.9%9.5%9.8%
Pretax Margin 6.5%7.0%17.4%······11.8%16.9%17.4%
EBITDA Margin 0.20%0.22%0.24%······0.18%0.18%0.14%
ROA 0.53%0.60%1.6%······1.3%1.7%1.8%
ROE 12.5%6.7%16.8%······16.9%24.1%26.6%
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.10.10.1······0.20.20.2
Per Share 5
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share $14.17$13.66$12.97······$7.89$6.29$4.98
Revenue / Share $18.04$16.18$13.96······$14.54$11.51$9.37
Cash Flow / Share $12.00$9.61$9.44······$6.76$5.94$4.24
Cash / Share $0.29$0.55$0.29······$0.59$0.75$0.70
EPS (TTM) $0.80$0.79$1.80$3.23$1.84$0.90$0.22$0.59$0.14$1.01$1.10$0.92
Growth Rates 9
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 10.4%11.8%6.8%23.1%-1.2%·······
Revenue CAGR 3Y 9.6%13.7%9.1%·········
Revenue CAGR 5Y 9.9%···········
EPS YoY 1.3%-56.1%-44.3%75.5%104.4%·······
EPS CAGR 3Y -37.2%-24.6%26.0%·········
EPS CAGR 5Y -2.3%···········
Net Income YoY 0.64%-57.6%-47.3%80.9%119.2%·······
Net Income CAGR 3Y -39.2%-26.1%27.9%·········
Net Income CAGR 5Y -2.3%···········
Valuation (TTM) 10
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $434M$394M$352M$330M$268M$271M$346M$390M$434M$422M$364M$300M
Net Income TTM $19M$19M$45M$86M$48M$22M$5M$15M$4M$29M$35M$30M
Market Cap $204M$233M$198M······$121M$133M$188M
P/E 11.713.75.22.76.44.715.35.129.65.14.78.0
P/S 0.50.60.6······0.30.40.6
P/B 0.70.80.7······0.60.81.5
P / Tangible Book 0.70.80.70.81.50.7······
P / Cash Flow 0.71.00.8······0.60.71.4
P / FCF 0.71.00.8······0.60.71.4
Earnings Yield 8.6%7.3%19.2%36.5%15.5%21.2%6.5%19.6%3.4%19.7%21.2%12.5%

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $434M $394M $352M $330M $268M
Net Income $19M $19M $45M $86M $48M
Diluted EPS $0.80 $0.79 $1.80 $3.23 $1.84

Institutional owners (13F) 67 filers · $149.7M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 67
Value held $149.7M
New positions 7
Exited positions 5
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
7 (-7 vs prior Q) 5 (+2 vs prior Q) 22 (+5 vs prior Q) 16 (-5 vs prior Q) -80K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C. $50,400,032 5,127,165 33.67% Shares
Black Diamond Capital Management I, LLLP $49,195,148 5,127,165 32.87% Shares
DIMENSIONAL FUND ADVISORS LP $15,066,986 1,570,303 10.07% Shares
BlackRock, Inc. $6,297,485 656,330 4.21% Shares
VANGUARD GROUP INC $4,933,210 528,747 3.30% Shares
VANGUARD CAPITAL MANAGEMENT LLC $3,989,822 415,823 2.67% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $3,795,888 395,611 2.54% Shares
RENAISSANCE TECHNOLOGIES LLC $3,261,898 339,958 2.18% Shares
GEODE CAPITAL MANAGEMENT, LLC $2,168,057 225,929 1.45% Shares
STATE STREET CORP $1,879,104 195,842 1.26% Shares
Empowered Funds, LLC $1,456,118 151,758 0.97% Shares
Allianz Asset Management GmbH $867,398 90,401 0.58% Shares
NORTHERN TRUST CORP $813,820 84,817 0.54% Shares
ROYAL BANK OF CANADA $790,000 82,379 0.53% Shares
AMERICAN CENTURY COMPANIES INC $706,960 73,680 0.47% Shares
Verity & Verity, LLC $630,794 65,742 0.42% Shares
VANGUARD FIDUCIARY TRUST CO $595,706 62,085 0.40% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $592,462 61,747 0.40% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $267,873 27,918 0.18% Shares
CITADEL ADVISORS LLC $260,984 27,200 0.17% Put option
Bank of New York Mellon Corp $220,896 23,022 0.15% Shares
GOLDMAN SACHS GROUP INC $212,808 22,179 0.14% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $159,478 16,621 0.11% Shares
Russell Investments Group, Ltd. $142,524 14,854 0.10% Shares
Nuveen, LLC $129,628 13,510 0.09% Shares
RHUMBLINE ADVISERS $115,842 12,074 0.08% Shares
DEUTSCHE BANK AG\ $114,672 11,945 0.08% Shares
Corton Capital Inc. $89,520 11,857 0.06% Shares
MORGAN STANLEY $85,300 8,890 0.06% Shares
WELLS FARGO & COMPANY/MN $73,603 7,671 0.05% Shares
CITIGROUP INC $40,549 4,226 0.03% Shares
Vanguard Global Advisers, LLC $40,520 4,223 0.03% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $40,472 4,218 0.03% Shares
JPMORGAN CHASE & CO $38,453 4,035 0.03% Shares
NEW YORK STATE COMMON RETIREMENT FUND $37,152 3,872 0.02% Shares
BARCLAYS PLC $31,827 3,317 0.02% Shares
Police & Firemen's Retirement System of New Jersey $27,989 2,917 0.02% Shares
Tower Research Capital LLC (TRC) $18,835 1,963 0.01% Shares
FMR LLC $18,576 1,936 0.01% Shares
BNP PARIBAS FINANCIAL MARKETS $13,721 1,430 0.01% Shares
UBS Group AG $12,435 1,296 0.01% Shares
Ameritas Investment Partners, Inc. $10,295 1,073 0.01% Shares
Legal & General Group Plc $7,772 810 0.01% Shares
GROUP ONE TRADING LLC $5,325 555 0.00% Shares
Steward Partners Investment Advisory, LLC $5,277 550 0.00% Shares
Quarry LP $3,780 394 0.00% Shares
PNC Financial Services Group, Inc. $2,418 252 0.00% Shares
CWM, LLC $2,056 266 0.00% Shares
FIFTH THIRD BANCORP $1,785 186 0.00% Shares
COMERICA BANK $1,735 186 0.00% Shares

Show all 67 institutional owners →

Activists & 5%+ owners 10 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Black Diamond Capital Management I, LLLP, Deckoff Stephen H Nov. 13, 2025 23.20% Amendment · SEC
BDCM CT, L.L.C., Black Diamond Holdings, LLLP, Deckoff Stephen H Aug. 26, 2025 23.10% Amendment · SEC
BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C., STEPHEN H. DECKOFF ×5 filings June 28, 2022 · Initial filing · SEC
Levine Leichtman Capital Partners IV, L.P., LLCP Partners IV GP, LLC, Levine Leichtman Capital Partners, Inc., Arthur E. Levine, Lauren B. Leichtman ×17 filings June 23, 2014 · Initial filing · SEC
Levine Leichtman Capital Partners II, L.P., LLCP California Equity Partners II, L.P., Levine Leichtman Capital Partners, Inc., Arthur E. Levine, Lauren B. Leichtman ×11 filings Aug. 23, 2007 · Initial filing Passive investment SEC
CHARLES E. BRADLEY, SR. (2) ×3 filings June 12, 2006 · Initial filing · SEC
Undisclosed reporting person April 22, 2002 · Initial filing · SEC
Undisclosed reporting person Nov. 2, 2001 · Initial filing · SEC
Undisclosed reporting person Nov. 2, 2001 · Initial filing Passive investment SEC
Undisclosed reporting person March 12, 2001 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 38 insiders · 22 officers · 11 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Charles E Bradley JR CEO Aug. 26, 2026 S 4,099,545 0 1 $-1,182,500
Michael T. Lavin President Aug. 11, 2026 A 504,119 0 0 $0
Teri Clements Exec. Vice President Oct. 1, 2026 G 538,733 0 0 $0
Noel Jackson Sr. Vice President Sept. 1, 2026 M 0 0 2 $-137,235
Catrina Marie Ralston Sr. Vice President Aug. 12, 2026 S 68,262 0 3 $-47,500
Charles E. Gonel Sr. Vice President Aug. 11, 2026 A 43,752 0 0 $0
Susan Ryan Sr. Vice President Aug. 11, 2026 A 79,546 0 0 $0
Michele L Baumeister Sr. Vice President Aug. 11, 2026 A 79,728 0 0 $0
Lisette Reynoso Sr. Vice President Aug. 11, 2026 A 5,797 0 0 $0
Steven Howard Schween Sr. Vice President Aug. 11, 2026 A 157,099 0 0 $0
Denesh Bharwani Exec. Vice President Aug. 11, 2026 A 361,881 0 0 $0
Chris Terry Exec. Vice President Aug. 11, 2026 A 269,212 0 0 $0
Robert E Riedl Sr Executive VP Aug. 11, 2026 A 452,679 0 0 $0
April Crisp Sr. Vice President June 6, 2025 S 42,591 0 0 $0
John Patrick Harton Sr. Vice President Sept. 16, 2024 S 255,604 0 0 $0
Laurie Straten Exec. Vice President May 15, 2024 M 206,040 0 0 $0
Jeffrey P Fritz Exec. Vice President Sept. 8, 2022 S 113,437 0 0 $0
Mark Creatura Sr. Vice President Sept. 20, 2021 M 345,616 0 0 $0
Curtis K Powell Sr. Vice President April 17, 2020 M 310,354 0 0 $0
Richard Brian Haskell Sr. Vice President May 12, 2016 A 0 0 0 $0
Isidoro Gutierrez Chief Administrative Officer April 5, 2012 D 7,418,112 0 0 $0
Jayne Ellen Holland Sr Vice President Dec. 10, 2009 A · 0 0 $0
Scott W. Carnahan Director Aug. 11, 2026 A · 0 0 $0
Brian Rayhill Director Aug. 6, 2026 M 251,319 0 0 $0
Daniel S Wood Director July 24, 2026 M 213,736 0 1 $-150,600
William B Roberts Director Dec. 4, 2025 S 485,702 0 1 $-869,000
Louis M Grasso Director Sept. 22, 2025 M 25,300 0 0 $0
Greg Washer Director June 13, 2025 M 329,311 0 0 $0
William Warwick Grounds Director June 24, 2022 A 4,600 0 0 $0
Chris Adams Director June 24, 2022 A 128,745 0 0 $0
John C Warner Director May 13, 2009 A · 0 0 $0
Bruce E Fredrikson Director May 13, 2009 A 20,000 0 0 $0
CITIGROUP INC 10% owner July 10, 2018 X 1,999,995 0 0 $0
John G Poole · Oct. 31, 2006 S 689,693 0 0 $0
MCCONNAUGHY JOHN E JR · Oct. 25, 2006 A 12,340 0 0 $0
Thomas L Chrystie · April 20, 2005 A · 0 0 $0
William L Brummund JR · Feb. 27, 2004 X 161,600 0 0 $0
Nicholas P Brockman · Feb. 27, 2004 X 149,100 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 20 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
EBIT · Harbor ETF Trust 0.10% 1,333 NS July 31, 2026 N-PORT
IWC · iShares Trust 0.02% 31,887 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 7,937 SH Aug. 19, 2026 Daily
DFAT · Dimensional ETF Trust 0.01% 133,992 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.00% 239,101 SH Sept. 11, 2026 Daily
DFAS · Dimensional ETF Trust 0.00% 44,093 NS July 31, 2026 N-PORT
RSSL · Global X Funds 0.00% 4,359 NS July 31, 2026 N-PORT
DFUV · Dimensional ETF Trust 0.00% 23,800 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 32,536 NS July 31, 2026 N-PORT
DFSV · Dimensional ETF Trust 0.00% 1,379 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 40 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 98,505 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 309,206 SH Aug. 19, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.00% 53,089 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 721 SH Aug. 19, 2026 Daily
DFAU · Dimensional ETF Trust 0.00% 280 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 1,025 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 8 NS July 31, 2026 N-PORT
IWN · iShares Trust · 91,169 SH Sept. 11, 2026 Daily

CPSS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 7 analysts BUY
Median target $14.00 +54.0%
3 42.9% Strong Buy
3 42.9% Buy
1 14.3% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

1 analysts · 2026-05-08

Mean target $14.00 +54.0%

Low$14.00 Mean$14.00 High$14.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
CPSS $204M 11.7 10.4% 4.5% 12.5% ·
OPRT · 10.0 -4.5% · · ·
KPLT · · · · · ·
TREE $731M 4.9 24.1% 13.5% 74.7% 31.5%
RM $370M 8.7 9.7% 6.9% 12.1% ·
MFIN · · · · · ·
DFDV · · · · · ·
AXP $253.79B 24.1 6.4% 26.2% 32.9% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 7, 2026