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Upturn AI SWOT - About
CPSS 
Consumer Portfolio Services Inc (CPSS)
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Upturn Advisory Summary
08/28/2025: CPSS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -28.17% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 217.32M USD | Price to earnings Ratio 12.76 | 1Y Target Price 15 |
Price to earnings Ratio 12.76 | 1Y Target Price 15 | ||
Volume (30-day avg) - | Beta 0.95 | 52 Weeks Range 7.99 - 12.73 | Updated Date 06/29/2025 |
52 Weeks Range 7.99 - 12.73 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.79 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.23% | Operating Margin (TTM) 13.76% |
Management Effectiveness
Return on Assets (TTM) 0.58% | Return on Equity (TTM) 6.69% |
Valuation
Trailing PE 12.76 | Forward PE 8.54 | Enterprise Value 3508135680 | Price to Sales(TTM) 1.15 |
Enterprise Value 3508135680 | Price to Sales(TTM) 1.15 | ||
Enterprise Value to Revenue 17.2 | Enterprise Value to EBITDA - | Shares Outstanding 21559800 | Shares Floating 8717703 |
Shares Outstanding 21559800 | Shares Floating 8717703 | ||
Percent Insiders 33.28 | Percent Institutions 48.65 |
Upturn AI SWOT
Consumer Portfolio Services Inc
Company Overview
History and Background
Consumer Portfolio Services, Inc. (CPS) was founded in 1991. It focuses on purchasing and servicing auto loans, primarily catering to borrowers with limited or no credit history.
Core Business Areas
- Auto Loan Purchasing and Servicing: CPS purchases retail installment sales contracts primarily from franchised auto dealers, providing indirect financing to subprime consumers.
Leadership and Structure
The leadership team includes Charles E. Bradley, Jr. (CEO). The organizational structure is typical of a financial services company, with departments focused on credit, servicing, collections, and finance.
Top Products and Market Share
Key Offerings
- Indirect Auto Financing: CPS's primary offering is indirect auto financing for subprime borrowers. Market share data is not readily available, but the subprime auto lending market is highly fragmented. Competitors include Exeter Finance, Credit Acceptance Corporation (CACC), and regional finance companies.
Market Dynamics
Industry Overview
The subprime auto lending market is characterized by higher risk, higher interest rates, and increased regulatory scrutiny. It's sensitive to economic conditions and consumer confidence.
Positioning
CPS positions itself as a provider of auto financing to underserved borrowers. Its competitive advantage lies in its experience and infrastructure for managing subprime auto loan portfolios.
Total Addressable Market (TAM)
The total addressable market for subprime auto loans is substantial, estimated in the tens of billions annually. CPS's position is as a niche player within this market.
Upturn SWOT Analysis
Strengths
- Established expertise in subprime auto lending
- Strong relationships with auto dealers
- Proprietary credit scoring models
Weaknesses
- High credit risk associated with subprime borrowers
- Sensitivity to economic downturns
- Reliance on wholesale funding
Opportunities
- Expansion into new geographic markets
- Development of new loan products
- Leveraging technology for improved efficiency
Threats
- Increased competition in the subprime auto lending market
- Changes in regulatory requirements
- Economic recession leading to higher loan defaults
Competitors and Market Share
Key Competitors
- CACC
- SC
- CNAC
Competitive Landscape
CPS operates in a highly competitive market with several large and regional players. It faces challenges in attracting and retaining borrowers, managing credit risk, and competing on price.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analysis of past financial performance, including revenue, net income, and loan portfolio growth.
Future Projections: Future projections are based on analyst estimates and require access to financial databases.
Recent Initiatives: Recent initiatives can be found in CPS's press releases and SEC filings.
Summary
Consumer Portfolio Services operates in the challenging subprime auto lending market. It possesses expertise in managing these loans but faces economic and regulatory risks. Future success relies on effective risk management, technological advancements, and strategic growth initiatives. Without additional investment, the business looks weak.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Consumer Portfolio Services Inc
Exchange NASDAQ | Headquaters Las Vegas, NV, United States | ||
IPO Launch date 1992-10-22 | CEO & Chairman Mr. Charles E. Bradley Jr. | ||
Sector Financial Services | Industry Credit Services | Full time employees 943 | |
Full time employees 943 | |||
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
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