Consumer Portfolio Services vs Wealthfront
Consumer Portfolio Services is the larger business, with $434m of revenue in fiscal 2025 against $365m for Wealthfront (1.2 times as much). Wealthfront grew faster (18.2% against 10.4%). Consumer Portfolio Services kept more of each dollar of sales as profit: a net margin of 4.4% against -11.5%. Wealthfront carries less debt relative to equity (0.0% against 1069.6%).
| Latest fiscal year | Consumer Portfolio ServicesCPSS, 2025 | WealthfrontWLTH, 2026 |
|---|---|---|
| Revenue | $434m | $365m |
| Revenue growth | 10.4% | 18.2% |
| Net income | $19.3m | −$42.1m |
| Operating margin | — | — |
| Net margin | 4.4% | -11.5% |
| Return on equity | 12.5% | -13.4% |
| Free cash flow | $288m | — |
| Cash | $6.3m | $441m |
| Total debt | $3.31bn | $181,000 |
| Debt to equity | 1069.6% | 0.0% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $8.7m | $459,000 |
| Employees | 928 | 391 |
| Market value | $217m | $1.57bn |
| Price vs our value range | — | — |
| Moat score | 44 (Weak) | — |
| Insider trades, 12 months | 0 buys, 8 sales | 0 buys, 37 sales |