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Consumer Portfolio Services, Inc. (CPSS) stock

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NASDAQ: CPSS Nasdaq Consumer Finance Next results ~January 21, 2027

B Fundamentals grade

Consumer Portfolio Services, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 5 selling0 purchases and 8 sales by directors and officers, last 12 monthsInsider trades
  • Funds29 adding, 21 cuttingOf 3 active managers that changed their stake, 1 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Consumer Portfolio Services files

10-Q filed October 30: Consumer Portfolio Services

Revenue for the twelve months to September 2026 was $475m, up 10.4% on a year earlier, faster than the 6.9% growth a quarter earlier. The diluted share count is down 2.8% on a year earlier, which lifts each remaining share. Its fundamentals grade moves from C+ to B.

Our model value for Consumer Portfolio Services is under review, so past values are not shown until it is resolved.

Source: 10-Q filed October 30, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Consumer Portfolio Services stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $452m, up 6.9% on a year earlier, slower than the 7.7% growth a quarter earlier. The diluted share count is down 2.2% on a year earlier, which lifts each remaining share.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 21, 2027 (estimated)

Consumer Portfolio Services, Inc.'s trailing-twelve-month revenue grew 10.4% year on year, with a free-cash-flow margin of 75.5%. Where it stands out: stock pay as % of revenue of 0.5% ranks 5 of 36 consumer finance companies we cover.

Current signal Free-cash-flow margin near historical high: TTM FCF margin of 75.5% is in the 90th percentile of its own history.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Growth speeding up. The growth rate is 3.5 points higher than a quarter earlier.
  • Strong cash generation. 75.5% of revenue turned into free cash flow.
  • Shrinking share count. Diluted shares fell 2.8% in a year, so each share owns more of the business.

Things to watch

  • Missing expectations. Earnings per share fell short of the consensus estimate in 4 of the last four quarters.

Latest results: FY2026 Q3

Filed October 30, 2026
Earnings per share
$0.21 against an average estimate of $0.23: missed by 8.7%
Revenue
$132m, up 21.7% on a year earlier
Share reaction
+0.5% in the first session after the results on October 23, 2026, against +0.2% for the S&P 500
Next report
October 22, 2026

Consumer Portfolio Services' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day-1.2%
  • 1 week+7.6%
  • 1 month+10.1%
  • This year+7.3%
  • 1 year+19.2%
  • 5 years+37.3%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$475M
Net margin
5.0%
EPS (TTM, diluted)
$1.01

Growth

Revenue growth
+10.4%
Change in growth rate
+3.5 pts
Share count change
−2.8%

Earnings

Last results
October 23, 2026
Next results (est.)
January 21, 2027

News & updates

Updated November 2, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Shareholder vote
  2. Results
  3. Agreement
  4. Agreement
  5. Insider trade
  6. Announcement
  7. Announcement
  8. Results
  9. Agreement
  10. Agreement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Consumer Portfolio Services, Inc. valuation models and calculator

No model value for Consumer Portfolio Services, Inc. at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Consumer Portfolio Services, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.61 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$60 ~$39–$94 Left out: out of range vs price (5.95x)
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$48 ~$40–$62 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$26 ~$18–$34 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$12 ~$16–$23 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$10 ~$12–$16 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: This model is withheld pending its input or assumption review.
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Consumer Portfolio Services, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

44 /100

Weak moat

How hard Consumer Portfolio Services's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 0.7% of total assets over 10 years.

  • Durability 0 / 20

    Net margin has been a median 5.3%; its worst year was -0.1%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 10 of 10 years, at a median 64.8% of revenue.

  • Discipline 19 / 20

    The diluted share count fell 7.5% over five years; stock-based pay has been a median 0.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (49 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

No analyst estimates are published for Consumer Portfolio Services, Inc.: too few analysts cover it.

Earnings against estimates

Quarter toEstimateActualSurprise
Dec 2025 $0.23 $0.21 −8.7%
Sept 2025 $0.25 $0.20 −20.0%
Jun 2025 $0.26 $0.20 −23.1%
Mar 2025 $0.30 $0.19 −36.7%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 23, 2026

No numeric guidance in Consumer Portfolio Services, Inc.'s latest earnings release (filed October 23, 2026). Some companies give their outlook only on the earnings call.

Positioning

Short interest
1.9%
of tradable shares
Days to cover
5.91
at average volume
Short interest, 1 month
+7%
to October 15, 2026
Held by institutions
45%
of shares
Held by insiders
39.9%
of shares
Employees
913
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +19.2%

$8.40 on October 31, 2025 to $10.01

ThenNowEffect
Revenue (last 12 months) $423m $452m +6.9%
Net margin 4.6% 4.8% +4.0%
P/E multiple 10.5x 11.0x +4.8%
Share count 24m 24m +2.2%

Biggest factor: revenue.

Last 3 years +1.1%

$9.90 on November 3, 2023 to $10.01

ThenNowEffect
Revenue (last 12 months) $341m $452m +32.3%
Net margin 19.7% 4.8% −75.7%
P/E multiple 3.9x 11.0x +184.3%
Share count 26m 24m +10.8%

Biggest factor: net margin.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
CPSS+180%−25%+6%+16%−14%+7%
Industry peers (median)+38%−34%+15%+30%+22%−4%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
CPSS67%42%58%50%50%27%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
CPSS−19%−69%−41%−29%−42%−20%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 82% from December 9, 2016 to March 19, 2020. Getting back needed a 440% gain, reached on August 25, 2021, 524 days after the low.

Price behaviour

52-week range
$7.53 – $10.30
From 52-week high
−2.8%
vs 50-day average
+7.1%
vs 200-day average
+10.8%
Volatility (1 year)
40%
Beta vs S&P 500
0.18

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
3 up, 9 down
typical move ±4.1%
After a week
4 up, 8 down
typical move ±7.0%
After a month
7 up, 4 down
typical move ±6.6%
Results releasedNext dayS&P 500 next day5 days21 days
October 23, 2026 +0.5% +0.2% +9.5% —
August 4, 2026 −4.4% +1.6% −4.2% −3.2%
May 5, 2026 +2.7% +2.2% −2.8% −6.9%
March 10, 2026 −8.6% −0.3% −2.7% +1.0%
November 10, 2025 −8.3% +1.8% −7.3% +5.9%
August 11, 2025 +2.9% +0.9% +4.0% +3.7%
May 13, 2025 −2.1% +0.8% −8.4% +5.2%
February 26, 2025 −3.3% −1.5% −7.7% −11.0%
November 1, 2024 −0.3% +0.2% +9.8% +5.6%
July 31, 2024 −5.5% +0.2% −17.7% −17.6%
May 13, 2024 −7.3% +0.5% +2.8% +7.4%
March 18, 2024 −3.7% +1.2% −6.6% +5.1%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Consumer Portfolio Services, Inc. in five measures

Fundamentals grade B
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Consumer Portfolio Services, Inc.
$350M $400M $450M $500M FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $352M Revenue (TTM), FY24 Q1: $360.7M Revenue (TTM), FY24 Q2: $371.7M Revenue (TTM), FY24 Q3: $380.2M Revenue (TTM), FY24 Q4: $393.5M Revenue (TTM), FY25 Q1: $408.6M Revenue (TTM), FY25 Q2: $422.5M Revenue (TTM), FY25 Q3: $430.4M Revenue (TTM), FY25 Q4: $434.5M Revenue (TTM), FY26 Q1: $439.9M Revenue (TTM), FY26 Q2: $451.6M Revenue (TTM), FY26 Q3: $475M $475M

Source: SEC EDGAR filings. Retrieved November 3, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $352M
FY24 Q1 $360.7M
FY24 Q2 $371.7M
FY24 Q3 $380.2M
FY24 Q4 $393.5M
FY25 Q1 $408.6M
FY25 Q2 $422.5M
FY25 Q3 $430.4M
FY25 Q4 $434.5M
FY26 Q1 $439.9M
FY26 Q2 $451.6M
FY26 Q3 $475M
Revenue growth, TTM YoY Consumer Portfolio Services, Inc.
6% 8% 10% 12% 14% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: 6.8% Revenue growth, TTM YoY, FY24 Q1: 6.6% Revenue growth, TTM YoY, FY24 Q2: 8.9% Revenue growth, TTM YoY, FY24 Q3: 10.8% Revenue growth, TTM YoY, FY24 Q4: 11.8% Revenue growth, TTM YoY, FY25 Q1: 13.3% Revenue growth, TTM YoY, FY25 Q2: 13.7% Revenue growth, TTM YoY, FY25 Q3: 13.2% Revenue growth, TTM YoY, FY25 Q4: 10.4% Revenue growth, TTM YoY, FY26 Q1: 7.7% Revenue growth, TTM YoY, FY26 Q2: 6.9% Revenue growth, TTM YoY, FY26 Q3: 10.4% 10.4%

Source: SEC EDGAR filings. Retrieved November 3, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 6.8%
FY24 Q1 6.6%
FY24 Q2 8.9%
FY24 Q3 10.8%
FY24 Q4 11.8%
FY25 Q1 13.3%
FY25 Q2 13.7%
FY25 Q3 13.2%
FY25 Q4 10.4%
FY26 Q1 7.7%
FY26 Q2 6.9%
FY26 Q3 10.4%
FCF margin (TTM) Consumer Portfolio Services, Inc.
50% 60% 70% 80% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 67.4% FCF margin (TTM), FY24 Q1: 62.4% FCF margin (TTM), FY24 Q2: 57.2% FCF margin (TTM), FY24 Q3: 58.2% FCF margin (TTM), FY24 Q4: 59.3% FCF margin (TTM), FY25 Q1: 62.2% FCF margin (TTM), FY25 Q2: 62.8% FCF margin (TTM), FY25 Q3: 65.2% FCF margin (TTM), FY25 Q4: 66.4% FCF margin (TTM), FY26 Q1: 67.7% FCF margin (TTM), FY26 Q2: 77.4% FCF margin (TTM), FY26 Q3: 75.5% 75.5%

Source: SEC EDGAR filings. Retrieved November 3, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 67.4%
FY24 Q1 62.4%
FY24 Q2 57.2%
FY24 Q3 58.2%
FY24 Q4 59.3%
FY25 Q1 62.2%
FY25 Q2 62.8%
FY25 Q3 65.2%
FY25 Q4 66.4%
FY26 Q1 67.7%
FY26 Q2 77.4%
FY26 Q3 75.5%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 155 143 187 256 300 364 422 434 390 346 271 268 330 352 394 434 475
Net income −33 −14 69 21 30 35 29 4 15 5 22 48 86 45 19 19 24
Diluted EPS −$1.90 −$0.76 $2.72 $0.67 $0.92 $1.10 $1.01 $0.14 $0.59 $0.22 $0.90 $1.84 $3.23 $1.80 $0.79 $0.80 $1.01
Growth (year on year)
Revenue — −7.8% +30.8% +36.6% +17.4% +21.1% +16.1% +2.9% −10.3% −11.3% −21.6% −1.2% +23.1% +6.8% +11.8% +10.4% +10.4%
Net income — — — −69.7% +40.5% +17.5% −15.5% −87.2% — −63.6% — +119.2% +80.9% −47.3% −57.6% +0.6% +21.6%
Diluted EPS — — — −75.4% +37.3% +19.6% −8.2% −86.1% — −62.7% — +104.4% +75.5% −44.3% −56.1% +1.3% +25.2%
Margins
Net margin −21.4% −10.1% 37.1% 8.2% 9.8% 9.5% 6.9% 0.9% 3.8% 1.6% 8.0% 17.7% 26.1% 12.9% 4.9% 4.4% 5.0%
Free-cash-flow margin 27.5% 7.3% 18.5% 38.7% 45.0% 51.2% 46.2% 49.5% 55.2% 62.5% 88.0% 73.3% 64.8% 67.4% 59.3% 66.4% 75.5%
Cash flow
Cash from operations 43 11 35 99 136 188 196 216 216 217 239 198 216 238 234 289 360
Capital spending 0 0 0 0 1 1 1 1 1 1 0 2 2 1 0 1 1
Free cash flow 43 10 35 99 135 186 195 215 215 216 239 196 214 237 233 288 359
Stock-based pay 2 2 1 4 4 5 6 6 4 2 2 2 4 3 3 3 2
Free cash flow after stock pay 41 9 33 95 131 181 190 209 212 214 237 194 209 234 230 286 356
Balance sheet
Cash 16 10 13 22 18 19 14 13 13 5 13 30 13 6 12 6 5
Total debt 613 608 814 1,187 1,655 1,912 2,242 2,202 2,189 2,251 1,982 1,847 2,243 2,417 3,025 3,311 4,171
Net debt (negative = net cash) 597 598 801 1,165 1,637 1,893 2,228 2,189 2,176 2,246 1,968 1,817 2,230 2,411 3,014 3,305 4,166
Diluted shares 17m 19m 25m 32m 32m 32m 29m 27m 25m 24m 24m 26m 27m 25m 24m 24m 24m
Returned to shareholders
Buybacks 1 1 0 0 0 6 10 12 5 1 1 26 46 20 13 9 11
Total returned 1 1 0 0 0 6 10 12 5 1 1 26 46 20 13 9 11

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$11.4M
Returned to shareholders
3%
of free cash flow
Buybacks, last 3 fiscal years
$41.8M
Diluted share count
−2.8%
year over year
Total shareholder yield
5.2%
dividends 0.0% + buybacks 5.2% of market value

Competitors: side by side with peers

Closest by revenue in consumer finance
Last 12 months unless stated CPSS WRLD NAVI OPFI DAVE RM Median
Revenue, last 12 months $475m $592m $600m $364m $644m $684m $1.6bn
Revenue growth, last 12 months 10.4% 4.3% −35.6% 0.2% 48.6% 8.4% 10.4%
Revenue growth, 3-year average 11.5% −0.4% −23.7% 16.0% 39.6% 8.1% 11.3%
Revenue growth, latest quarter 21.7% 4.8% −3.8% −14.0% 29.6% 8.0% 10.6%
Operating margin — — — 38.3% −4.2% — 11.2%
Net margin 5.0% 6.6% −8.2% 28.0% 34.6% 7.0% 10.5%
Cash from operations / revenue 75.8% 44.9% 56.7% 111.3% 50.8% 47.4% 22.7%
Free-cash-flow margin 75.5% 44.2% — 105.9% 50.7% 46.7% 18.4%
Free-cash-flow margin, 3-year average 66.3% 44.8% — 100.4% 40.5% 46.3% 23.6%
Stock pay / revenue 0.5% 0.1% 2.5% 2.3% 5.8% 1.3% 1.3%
Change in share count −2.8% −10.8% −8.8% — −1.7% −3.9% −0.8%

Median of all 39 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

39 consumer finance companies
Measure Company Peer median Rank
Revenue growth Growth 10.4% 10.4% 20 of 39
Change in growth rate Growth +3.5pp +0.6pp 10 of 38
Net margin Profitability 5.0% 10.5% 27 of 39
Stock pay as % of revenue Cash generation 0.5% 1.3% 5 of 36
Change in share count Balance sheet -2.8% -0.0% 11 of 38

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$94.5M
Institutions reporting
62
Shares held vs prior quarter
▼ 1.1%
Positions opened / closed
7 / 5

Top buyers and sellers, Q2 2026: 29 institutions bought and 21 sold ; the biggest buyer was Blackrock, Inc (+22K shares) and the biggest seller Allianz Asset Management Gmbh (−70K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Black Diamond Capital Management I, LLLP $49.2M 5.1M 52.1% 0.0%
Dimensional Fund Advisors LP $15.1M 1.6M 15.9% ▲ 0.3%
Blackrock, Inc. $6.3M 656K 6.7% ▲ 3.4%
Vanguard Capital Management LLC $4M 416K 4.2% ▲ 0.5%
Bridgeway Capital Management, LLC $3.8M 396K 4.0% 0.0%
Renaissance Technologies LLC $3.3M 340K 3.5% ▼ 4.5%
Geode Capital Management, LLC $2.2M 226K 2.3% ▲ 3.4%
State Street Corp $1.9M 196K 2.0% 0.0%
Empowered Funds, LLC $1.5M 152K 1.5% 0.0%
Allianz Asset Management Gmbh $867,398 90K 0.9% ▼ 43.5%
Northern Trust Corp $813,820 85K 0.9% ▲ 2.7%
Royal Bank Of Canada $790,000 82K 0.8% ▲ 1.7%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Consumer Portfolio Services, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $2.4M 8 trades by 5 insiders · 0% under pre-set plans
Net ▼ $2.4M net selling
Insider Date Trade Shares Price Value
Jackson Noel Sr. Vice President September 1, 2026 Sell 7,500 $9.31 $69,825
Bradley Charles E Jr CEO August 26, 2026 Sell 125,000 $9.46 $1.2M
Ralston Catrina Marie Sr. Vice President August 12, 2026 Sell 3,617 $9.50 $34,362
Ralston Catrina Marie Sr. Vice President August 10, 2026 Sell 916 $9.50 $8,702
Ralston Catrina Marie Sr. Vice President August 7, 2026 Sell 467 $9.50 $4,436
Jackson Noel Sr. Vice President June 16, 2026 Sell 7,000 $9.63 $67,406
Wood Daniel S Director March 13, 2026 Sell 20,000 $7.53 $150,600
Roberts William B Director December 4, 2025 Sell 100,000 $8.69 $869,000

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 21, 2027 estimated from the company's past filing pattern, not announced

  • October 23, 2026
  • August 4, 2026
  • May 5, 2026
  • March 10, 2026
  • November 10, 2025
  • August 11, 2025

Recent SEC filings

Data status

When each part of this page on Consumer Portfolio Services, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Consumer Portfolio Services, Inc. in brief

What does Consumer Portfolio Services, Inc. do?
Consumer Portfolio Services, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is Consumer Portfolio Services, Inc.'s stock ticker?
Consumer Portfolio Services, Inc. trades under the ticker CPSS on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Consumer Portfolio Services, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Consumer Portfolio Services, Inc. reported revenue of $475M, 10.4% higher than a year earlier, according to its SEC filings.
What is Consumer Portfolio Services, Inc.'s free cash flow?
Consumer Portfolio Services, Inc.'s free-cash-flow margin is 75.5% of revenue over the trailing twelve months.
Who are Consumer Portfolio Services, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Black Diamond Capital Management I, LLLP, Dimensional Fund Advisors LP and Blackrock, Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Consumer Portfolio Services, Inc. buying back stock, and does it pay a dividend?
Consumer Portfolio Services, Inc. spent $11.4M on share repurchases over the trailing twelve months, and its diluted share count fell 2.8% over the year.
What is Consumer Portfolio Services, Inc.'s market cap?
On November 2, 2026, Consumer Portfolio Services, Inc.'s market capitalisation was about $236M, with a price-to-earnings ratio of 9.9 and net debt of $4.2B. Market figures come from third-party market data and may be delayed.
Who are Consumer Portfolio Services, Inc.'s competitors?
In our Consumer Finance peer group, the companies closest to Consumer Portfolio Services, Inc. are World Acceptance Corp, Navient Corp, Oppfi Inc., Dave Inc. and Regional Management Corp. The side-by-side comparison below sets their revenue, margins and growth against Consumer Portfolio Services, Inc.'s.
Are insiders buying or selling Consumer Portfolio Services, Inc. stock?
Over the last 12 months, Consumer Portfolio Services, Inc.'s directors and officers reported 0 open-market purchases and 8 sales on Form 4. The insider trading page charts every trade.
When is Consumer Portfolio Services, Inc.'s next earnings date?
Around January 21, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Consumer Portfolio Services, Inc. announces its own schedule.