CPSS Consumer Portfolio Services, Inc. - Common Stock
$9.21
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$7–$10
66% of range
Analyst Rating
STRONG BUY
7 analysts
Price Target
$14
+52% upside
P/E (TTM)
11.5
ROE
12.5%
Net Profit Margin
4.5%
CPSS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$9.21
Market Cap
$201M
P/E (TTM)
11.5
EPS (TTM)
$0.80
Revenue (TTM)
$434M
Div Yield
—
ROE
12.5%
Debt/Equity
—
52W Range
$7 – $10
CPSS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$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
Margins
4.5%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CPSS
Peer Median
P/E (TTM)
11.5
8.9
P/S (TTM)
0.5
0.9
P/B
0.6
1.0
Price / FCF
0.7
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CPSS
Peer Median
Net Profit Margin
4.5%
4.6%
ROA
0.53%
1.1%
ROE
12.5%
6.5%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CPSS
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CPSS
Peer Median
Revenue YoY
10.4%
—
Revenue CAGR 3Y
9.6%
—
Revenue CAGR 5Y
9.9%
—
EPS YoY
1.3%
—
Net Income YoY
0.64%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CPSS
Peer Median
CPSS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
7 analysts
- Strong Buy 3 42.9%
- Buy 3 42.9%
- Hold 1 14.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
1 analysts · 2026-05-08
Low
$14.00
High
$14.00
Median target
$14.00
+52.0%
Mean target
$14.00
+52.0%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.07%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.27 | — | — |
| Dec. 31, 2025 | $0.21 | $0.23 | -0.02% |
| Sept. 30, 2025 | $0.20 | $0.26 | -0.06% |
| June 30, 2025 | $0.20 | $0.27 | -0.07% |
| March 31, 2025 | $0.19 | $0.31 | -0.12% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CPSS | $204M | 11.7 | 10.4% | 4.5% | 12.5% | — |
| OPFI | — | 10.6 | — | — | 57.7% | — |
| TREE | $731M | 4.9 | 24.1% | 13.5% | 74.7% | 31.5% |
| OPRT | — | 10.0 | -4.5% | — | — | — |
| RM | $370M | 8.7 | 9.7% | 6.9% | 12.1% | — |
| MFIN | — | — | — | — | — | — |
| DFDV | — | — | — | — | — | — |
| KPLT | — | — | — | — | — | — |
| AXP | $253.79B | 24.1 | 6.4% | 26.2% | 32.9% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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) | 21,889,000 | 21,292,000 | 20,896,000 | 20,958,000 | 22,562,000 | 22,611,000 | 22,416,000 | 21,989,000 | 22,687,000 | 24,356,000 | 25,935,000 | 25,040,000 | |
| Shares (Diluted) | 24,081,000 | 24,325,000 | 25,218,000 | 26,589,000 | 25,780,000 | 24,003,000 | 24,064,000 | 24,988,000 | 27,214,000 | 29,035,000 | 31,584,000 | 32,032,000 | |
| EBITDA | $881.0K | $862.0K | $847.0K | · | · | · | · | · | · | $777.0K | $637.0K | $428.0K |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 21,842,457 | 21,432,698 | 21,174,856 | 20,131,323 | 21,143,764 | 22,737,342 | 22,530,918 | 22,421,688 | 21,488,589 | 23,587,126 | 25,616,460 | 25,540,640 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | · | · | · | · | · | · | 0.2 | 0.2 | 0.2 |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 11.7 | 13.7 | 5.2 | 2.7 | 6.4 | 4.7 | 15.3 | 5.1 | 29.6 | 5.1 | 4.7 | 8.0 | |
| P/S | 0.5 | 0.6 | 0.6 | · | · | · | · | · | · | 0.3 | 0.4 | 0.6 | |
| P/B | 0.7 | 0.8 | 0.7 | · | · | · | · | · | · | 0.6 | 0.8 | 1.5 | |
| P / Tangible Book | 0.7 | 0.8 | 0.7 | 0.8 | 1.5 | 0.7 | · | · | · | · | · | · | |
| P / Cash Flow | 0.7 | 1.0 | 0.8 | · | · | · | · | · | · | 0.6 | 0.7 | 1.4 | |
| P / FCF | 0.7 | 1.0 | 0.8 | · | · | · | · | · | · | 0.6 | 0.7 | 1.4 | |
| 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% |
Income Statement 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $121M | $112M | $109M | $108M | $110M | $107M | $105M | $101M | $96M | $92M | $92M | $92M | $85M | $83M | $83M | $90M | |
| SG&A Expense | $15M | $13M | $13M | $13M | $12M | $13M | $14M | $13M | $13M | $14M | $14M | $13M | $12M | $11M | $12M | $9M | |
| Operating Expenses | $112M | $104M | $102M | $101M | $103M | $100M | $98M | $94M | $89M | $85M | $82M | $78M | $66M | $65M | $65M | $56M | |
| Interest Expense | $64M | $60M | $59M | $59M | $59M | $55M | $53M | $50M | $47M | $42M | $40M | $38M | $36M | $33M | $29M | $23M | |
| Interest Income | $118M | $109M | $108M | $107M | $105M | $102M | $98M | $93M | $88M | $84M | $83M | $83M | $83M | $80M | $80M | $80M | |
| Pretax Income | $9M | $8M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $10M | $14M | $19M | $18M | $18M | $34M | |
| Income Tax | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $4M | $5M | $5M | $4M | $9M | |
| Net Income | $6M | $6M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $7M | $10M | $14M | $14M | $14M | $25M | |
| EPS (Basic) | $0.29 | $0.25 | $0.22 | $0.22 | $0.22 | $0.22 | $0.24 | $0.22 | $0.22 | $0.22 | $0.33 | $0.49 | $0.67 | $0.68 | $0.71 | $1.22 | |
| EPS (Diluted) | $0.27 | $0.24 | $0.21 | $0.20 | $0.20 | $0.19 | $0.21 | $0.20 | $0.19 | $0.19 | $0.30 | $0.41 | $0.55 | $0.54 | $0.62 | $0.95 | |
| Shares (Basic) | 21,633,000 | 21,777,000 | -43,657,000 | 22,209,000 | 21,893,000 | 21,444,000 | -42,457,000 | 21,343,000 | 21,263,000 | 21,143,000 | -41,542,000 | 21,154,000 | 20,866,000 | 20,418,000 | -21,344,221 | 20,911,000 | |
| Shares (Diluted) | 23,485,000 | 23,534,000 | -48,470,000 | 24,046,000 | 24,180,000 | 24,325,000 | -48,693,000 | 24,153,000 | 24,263,000 | 24,602,000 | -50,765,000 | 25,218,000 | 25,373,000 | 25,392,000 | -27,780,197 | 26,654,000 | |
| EBITDA | · | $225.0K | · | · | · | $249.0K | · | · | · | $215.0K | · | $199.0K | $211.0K | $231.0K | · | $406.0K |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $8M | $7M | $6M | $9M | $16M | $30M | $12M | $8M | $10M | $13M | · | $8M | $7M | $10M | · | $13M | |
| PP&E (Net) | $1M | $1M | $771.0K | $882.0K | $1M | $1M | $943.0K | $1M | $1M | $1M | · | $1M | $1M | $1M | · | $2M | |
| PP&E (Gross) | · | · | $11M | · | · | · | $11M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $10M | · | · | · | $10M | · | · | · | · | · | · | · | · | · | |
| Other Non-current Assets | $29M | $30M | $29M | $31M | $42M | $36M | $36M | $41M | $44M | $43M | · | $26M | $25M | $26M | · | $28M | |
| Total Assets | $4.42B | $4.05B | $3.86B | $3.81B | $3.76B | $3.67B | $3.49B | $3.46B | $3.29B | $3.01B | · | $2.88B | $2.85B | $2.84B | · | $2.65B | |
| Accounts Payable | $95M | $70M | $65M | $67M | $68M | $75M | $70M | $73M | $66M | $79M | · | $62M | $57M | $60M | · | $56M | |
| Total Liabilities | $4.10B | $3.74B | $3.55B | $3.50B | $3.46B | $3.38B | $3.20B | $3.18B | $3.01B | $2.73B | · | $2.61B | $2.60B | $2.59B | · | $2.43B | |
| Common Stock | $22M | $24M | $24M | $26M | $27M | $27M | $26M | $25M | $25M | $29M | · | $28M | $28M | $29M | · | $31M | |
| Retained Earnings | $298M | $292M | $286M | $281M | $277M | $272M | $267M | $262M | $257M | $252M | · | $241M | $230M | $216M | · | $188M | |
| AOCI | $-1M | $-1M | $-1M | $-10.0K | $-10.0K | $-10.0K | $-10.0K | $-2M | $-2M | $-2M | · | $-3M | $-3M | $-3M | · | $-2M | |
| Stockholders' Equity | $319M | $314M | $310M | $308M | $303M | $298M | $293M | $285M | $280M | $279M | $275M | $266M | $255M | $243M | $228M | $218M | |
| Liabilities + Equity | $4.42B | $4.05B | $3.86B | $3.81B | $3.76B | $3.67B | $3.49B | $3.46B | $3.29B | $3.01B | · | $2.88B | $2.85B | $2.84B | · | $2.65B | |
| Shares Outstanding | 21,598,965 | 21,695,835 | 21,842,457 | 22,143,708 | 22,224,186 | 21,503,198 | 21,432,698 | 21,405,198 | 21,304,643 | 21,147,743 | · | 21,113,152 | 21,151,966 | 20,496,144 | · | 20,607,286 |
Cash Flow 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $249.0K | $225.0K | $176.0K | $207.0K | $249.0K | $249.0K | $212.0K | $214.0K | $221.0K | $215.0K | $206.0K | $199.0K | $211.0K | $231.0K | $410.0K | $406.0K | |
| Stock-based Comp | $578.0K | $512.0K | · | $500.0K | $645.0K | $717.0K | · | $727.0K | $809.0K | $832.0K | · | $816.0K | $905.0K | $912.0K | $2M | $1M | |
| Other Non-cash | · | $78M | · | · | · | $68M | · | · | · | $47M | · | · | · | $50M | · | · | |
| Operating Cash Flow | $106M | $84M | $76M | $85M | $54M | $74M | $68M | $70M | $43M | $53M | $56M | $61M | $56M | $65M | $51M | $45M | |
| CapEx | $172.0K | $796.0K | $65.0K | $49.0K | $124.0K | $471.0K | $77.0K | $100.0K | $145.0K | $111.0K | $282.0K | $211.0K | $32.0K | $34.0K | $371.0K | $750.0K | |
| Investing Cash Flow | $-446M | $-251M | $-98M | $-131M | $-167M | $-194M | $-233M | $-219M | $-209M | $-109M | $-84M | $-83M | $-72M | $-121M | $-147M | $-168M | |
| Stock Repurchased | $2M | $1M | $3M | $981.0K | $5M | $0 | $0 | $2M | $9M | $2M | $1M | $652.0K | $11M | $7M | $5M | $7M | |
| Net Stock Activity | · | $-1M | · | · | · | $0 | · | · | · | $-2M | · | · | · | $-7M | · | · | |
| Financing Cash Flow | $335M | $180M | $42M | $38M | $89M | $166M | $23M | $162M | $282M | $81M | $11M | $8M | $2M | $62M | $86M | $127M | |
| Net Change in Cash | $-5M | $13M | $20M | $-8M | $-23M | $46M | $-142M | $12M | $116M | $26M | $-17M | $-13M | $-14M | $6M | · | · | |
| Taxes Paid | $4M | $80.0K | $99.0K | $1M | $5M | $-75.0K | $2M | $307.0K | $9M | $29.0K | $-837.0K | $-250.0K | $5M | $25.0K | $2M | $9M | |
| Free Cash Flow | · | $83M | · | · | · | $73M | · | · | · | $53M | · | · | · | $65M | · | · | |
| Levered FCF | · | $42M | · | · | · | $35M | · | · | · | $23M | · | · | · | $41M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 5.1% | 4.9% | · | 4.5% | 4.4% | 4.4% | · | 4.8% | 4.9% | 5.0% | · | 11.3% | 16.4% | 16.6% | · | 28.1% | |
| Pretax Margin | 7.4% | 7.1% | · | 6.5% | 6.3% | 6.4% | · | 6.8% | 7.0% | 7.1% | · | 15.4% | 21.9% | 22.2% | · | · | |
| EBITDA Margin | · | 0.20% | · | · | · | 0.23% | · | · | · | 0.23% | · | 0.22% | 0.25% | 0.28% | · | 0.45% | |
| ROA | 0.15% | 0.14% | · | 0.13% | 0.14% | 0.14% | · | 0.15% | 0.15% | 0.16% | · | 0.38% | 0.52% | 0.54% | · | 1.1% | |
| ROE | 2.0% | 1.8% | · | 1.6% | 1.6% | 1.6% | · | 1.7% | 1.7% | 1.8% | · | 4.3% | 6.2% | 6.5% | · | 13.4% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $452M | $437M | · | $426M | $413M | $395M | · | $380M | $365M | $352M | · | $350M | $340M | $330M | · | $315M | |
| Net Income TTM | $21M | $20M | · | $19M | $19M | $19M | · | $24M | $34M | $43M | · | $64M | $79M | $86M | · | $86M | |
| Market Cap | $207M | $168M | · | $167M | $218M | $186M | · | $201M | $209M | $160M | · | $191M | $247M | $219M | · | $150M | |
| P/E | 10.5 | 9.3 | · | 9.6 | 12.6 | 11.3 | · | 9.5 | 7.3 | 4.5 | · | 3.7 | 4.0 | 3.4 | · | 2.3 | |
| P/S | 0.5 | 0.4 | · | 0.4 | 0.5 | 0.5 | · | 0.5 | 0.6 | 0.5 | · | 0.5 | 0.7 | 0.7 | · | 0.5 | |
| P/B | 0.6 | 0.5 | · | 0.5 | 0.7 | 0.6 | · | 0.7 | 0.7 | 0.6 | · | 0.7 | 1.0 | 0.9 | · | 0.7 | |
| P / Tangible Book | 0.6 | 0.5 | · | 0.5 | 0.7 | 0.6 | · | 0.7 | 0.7 | 0.6 | · | 0.7 | 1.0 | 0.9 | · | 0.7 | |
| P / Cash Flow | · | 2.0 | · | · | · | 2.5 | · | · | · | 3.0 | · | · | · | 3.4 | · | · | |
| P / FCF | · | 2.0 | · | · | · | 2.5 | · | · | · | 3.0 | · | · | · | 3.4 | · | · | |
| Earnings Yield | 9.5% | 10.7% | · | 10.5% | 7.9% | 8.9% | · | 10.5% | 13.7% | 22.4% | · | 27.0% | 25.3% | 29.5% | · | 43.0% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 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 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $288M | $233M | $237M | — | — |
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Institutional owners (13F) 69 filers · $136.6M total · As of June 30, 2026
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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 13 (+3 vs prior Q) | 5 (+2 vs prior Q) | 17 (-1 vs prior Q) | 16 (-2 vs prior Q) | +419K |
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 | 36.88% | Shares |
| Black Diamond Capital Management I, LLLP | $49,195,148 | 5,127,165 | 36.00% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $14,734,571 | 1,535,651 | 10.78% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $3,989,822 | 415,823 | 2.92% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,795,888 | 395,611 | 2.78% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,261,898 | 339,958 | 2.39% | Shares |
| STATE STREET CORP | $1,879,104 | 195,842 | 1.38% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $1,838,181 | 191,549 | 1.35% | Shares |
| Empowered Funds, LLC | $1,456,118 | 151,758 | 1.07% | Shares |
| Allianz Asset Management GmbH | $867,398 | 90,401 | 0.63% | Shares |
| AMERICAN CENTURY COMPANIES INC | $706,960 | 73,680 | 0.52% | Shares |
| Verity & Verity, LLC | $630,794 | 65,742 | 0.46% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $595,706 | 62,085 | 0.44% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $592,462 | 61,747 | 0.43% | Shares |
| VANGUARD GROUP INC | $525,923 | 56,369 | 0.38% | Shares |
| BlackRock, Inc. | $333,685 | 34,777 | 0.24% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $267,873 | 27,918 | 0.20% | Shares |
| CITADEL ADVISORS LLC | $260,984 | 27,200 | 0.19% | Put option |
| GOLDMAN SACHS GROUP INC | $212,808 | 22,179 | 0.16% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $159,478 | 16,621 | 0.12% | Shares |
| RHUMBLINE ADVISERS | $115,842 | 12,074 | 0.08% | Shares |
| DEUTSCHE BANK AG\ | $114,672 | 11,945 | 0.08% | Shares |
| Bank of New York Mellon Corp | $90,941 | 9,478 | 0.07% | Shares |
| Corton Capital Inc. | $89,520 | 11,857 | 0.07% | Shares |
| Russell Investments Group, Ltd. | $82,517 | 8,600 | 0.06% | Shares |
| WELLS FARGO & COMPANY/MN | $73,603 | 7,671 | 0.05% | 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 |
| NEW YORK STATE COMMON RETIREMENT FUND | $37,152 | 3,872 | 0.03% | Shares |
| CITIGROUP INC | $35,473 | 3,697 | 0.03% | Shares |
| BARCLAYS PLC | $31,194 | 3,251 | 0.02% | Shares |
| MORGAN STANLEY | $28,536 | 2,974 | 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 |
| NORTHERN TRUST CORP | $12,608 | 1,314 | 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 |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $4,004 | 518 | 0.00% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $3,790 | 395 | 0.00% | Shares |
| Quarry LP | $3,780 | 394 | 0.00% | Shares |
| ROYAL BANK OF CANADA | $3,000 | 344 | 0.00% | Shares |
| Nuveen, LLC | $2,667 | 278 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $2,418 | 252 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $2,268 | 238 | 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 |
| Sterling Capital Management LLC | $1,718 | 179 | 0.00% | Shares |
| Arax Advisory Partners | $1,583 | 165 | 0.00% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $1,569 | 203 | 0.00% | Shares |
| GAMMA Investing LLC | $1,410 | 147 | 0.00% | Shares |
| UBS Group AG | $691 | 72 | 0.00% | Shares |
| Janney Montgomery Scott LLC | $495 | 51,586 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $481 | 50 | 0.00% | Shares |
| Allworth Financial LP | $173 | 18 | 0.00% | Shares |
| Essential Partners LLC | $67 | 7 | 0.00% | Shares |
| Transamerica Financial Advisors, LLC | $67 | 7 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $48 | 5 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $38 | 4 | 0.00% | Shares |
| IFP Advisors, Inc | $38 | 4 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $19 | 2 | 0.00% | Shares |
| Optiver Holding B.V. | $19 | 2 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $19 | 2 | 0.00% | Shares |
| HARBOR CAPITAL ADVISORS, INC. | $13 | 1,348 | 0.00% | Shares |
| True Wealth Design, LLC | $10 | 1 | 0.00% | Shares |
Company insiders 35 insiders · 8 officers · 7 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| John Patrick Harton | Sr. Vice President | June 1, 2020 A | 129,750 | 0 | 0 | $0 |
| Laurie Straten | Sr. Vice President | June 1, 2020 A | 122,250 | 0 | 0 | $0 |
| Jeffrey P Fritz | Executive Vice President | June 1, 2020 A | 280,000 | 0 | 0 | $0 |
| Mark Creatura | Sr. Vice President | June 1, 2020 A | 408,666 | 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 |
| Daniel S Wood | Director | July 24, 2026 M | 213,736 | 0 | 0 | $0 |
| Louis M Grasso | Director | June 1, 2020 A | — | 0 | 0 | $0 |
| Chris Adams | Director | June 1, 2020 A | 99,213 | 0 | 0 | $0 |
| Greg Washer | Director | June 1, 2020 A | 250,744 | 0 | 0 | $0 |
| William B Roberts | Director | June 1, 2020 A | 749,078 | 0 | 0 | $0 |
| John C Warner | Director | May 13, 2009 A | — | 0 | 0 | $0 |
| Bruce E Fredrikson | Director | Jan. 30, 2008 A | 20,000 | 0 | 0 | $0 |
| Catrina Marie Ralston | — | Aug. 12, 2026 S | 68,262 | 0 | 3 | $-47,500 |
| Noel Jackson | — | Aug. 11, 2026 A | 0 | 0 | 1 | $-67,410 |
| Charles E. Gonel | — | Aug. 11, 2026 A | 43,752 | 0 | 0 | $0 |
| Susan Ryan | — | Aug. 11, 2026 A | 79,546 | 0 | 0 | $0 |
| Michele L Baumeister | — | Aug. 11, 2026 A | 79,728 | 0 | 0 | $0 |
| Lisette Reynoso | — | Aug. 11, 2026 A | 5,797 | 0 | 0 | $0 |
| Steven Howard Schween | — | Aug. 11, 2026 A | — | 0 | 0 | $0 |
| Denesh Bharwani | — | Aug. 11, 2026 A | 361,881 | 0 | 0 | $0 |
| Scott W. Carnahan | — | Aug. 11, 2026 A | — | 0 | 0 | $0 |
| Michael T. Lavin | — | Aug. 11, 2026 A | 504,119 | 0 | 0 | $0 |
| Teri Clements | — | Aug. 11, 2026 A | 539,393 | 0 | 0 | $0 |
| Chris Terry | — | Aug. 11, 2026 A | 269,212 | 0 | 0 | $0 |
| Robert E Riedl | — | Aug. 11, 2026 A | 452,679 | 0 | 0 | $0 |
| Charles E Bradley JR | — | Aug. 11, 2026 A | 4,224,545 | 0 | 0 | $0 |
| Brian Rayhill | — | Aug. 6, 2026 M | 251,319 | 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
Activists & 5%+ owners 10 positions
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.
ETF ownership Held by 29 ETFs
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% | 1,296 NS | April 30, 2026 | N-PORT |
| IWC · iShares Trust | 0.02% | 32,098 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 7,937 SH | Aug. 8, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 133,992 NS | April 30, 2026 | N-PORT |
| GSSC · Goldman Sachs ETF Trust | 0.01% | 7,080 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.01% | 90,819 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.00% | 238,617 SH | Aug. 8, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.00% | 41,768 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.00% | 4,172 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 452 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.00% | 62,332 NS | May 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 23,800 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 353 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 357 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.00% | 2,295 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 32,536 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 412 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 9 NS | May 31, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 2,357 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,379 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 40 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 98,505 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 309,206 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.00% | 53,089 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 721 SH | Aug. 8, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 280 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,025 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |