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Consumer Portfolio Services Inc (CPSS)



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Upturn Advisory Summary
06/30/2025: CPSS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $15
1 Year Target Price $15
0 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.22% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Analyst Ratings
Rating - | Target Price 15 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Consumer Portfolio Services Inc

Company Overview
History and Background
Consumer Portfolio Services, Inc. (CPS) was founded in 1991. It specializes in purchasing and servicing auto loans, particularly those made to individuals with less-than-perfect credit. Over time, CPS has refined its underwriting and servicing processes to manage risk in the subprime auto lending market.
Core Business Areas
- Auto Loan Purchasing: CPS purchases retail installment sales contracts primarily from franchised and select independent automobile dealerships in the United States. These contracts are generally made to customers with limited credit histories or past credit problems.
- Auto Loan Servicing: CPS services the auto loans it purchases, including collecting payments, managing defaults, and repossessing vehicles when necessary.
Leadership and Structure
As of 2023, Charles E. Bradley, Jr. serves as the Chief Executive Officer. The organizational structure includes departments focused on origination, servicing, collections, and finance.
Top Products and Market Share
Key Offerings
- Indirect Auto Loan Financing: CPS provides indirect auto loan financing to consumers with limited or damaged credit. It partners with dealerships to originate these loans. Market share data specific to CPS is difficult to ascertain due to the fragmented nature of the subprime auto lending market. Competitors include regional and national auto finance companies specializing in subprime lending. Competitors include Ally Financial (ALLY) and subprime specialists like Credit Acceptance Corporation (CACC)
Market Dynamics
Industry Overview
The subprime auto lending industry is characterized by higher risk and higher interest rates. It is sensitive to economic conditions and regulatory changes. The industry is cyclical, with performance fluctuating based on employment rates, interest rates, and consumer confidence.
Positioning
CPS positions itself as a provider of auto financing to consumers underserved by traditional lenders. Its competitive advantages include its experience in the subprime market and its established relationships with dealerships.
Total Addressable Market (TAM)
The total addressable market for subprime auto loans is estimated to be in the tens of billions of dollars annually. CPS's position is dependent on its ability to manage risk and maintain profitability within this segment.
Upturn SWOT Analysis
Strengths
- Established relationships with dealerships
- Expertise in subprime auto lending
- Sophisticated underwriting and servicing processes
- Geographic diversification
Weaknesses
- High reliance on purchased loans
- Vulnerability to economic downturns
- Higher cost of funds compared to prime lenders
- Potential for regulatory scrutiny
Opportunities
- Expansion into new geographic markets
- Increased demand for subprime auto loans due to economic factors
- Technological advancements in loan servicing
- Strategic partnerships with other financial institutions
Threats
- Increased competition from other subprime lenders
- Rising interest rates
- Economic recession
- Regulatory changes impacting subprime lending
Competitors and Market Share
Key Competitors
- CACC
- ALLY
- SC
- Capital One Financial (COF)
Competitive Landscape
CPS faces intense competition in the subprime auto lending market. Its success depends on its ability to manage risk, maintain profitability, and adapt to changing economic conditions. Compared to competitors like CACC and ALLY, CPSS has a smaller market share, indicating smaller business volume compared to other giants in the subprime auto lending industry. Smaller players are able to compete and thrive by focusing on niches within the subprime industry.
Growth Trajectory and Initiatives
Historical Growth: Requires updated financial data to be provided, as the last update date is not known.
Future Projections: Requires updated financial data to be provided, as the last update date is not known.
Recent Initiatives: Requires updated financial data to be provided, as the last update date is not known.
Summary
Consumer Portfolio Services operates in the high-risk subprime auto lending market. The company's strengths lie in its established relationships and experience. However, it faces vulnerabilities due to its reliance on purchased loans and exposure to economic downturns. Success hinges on effective risk management and adaptation to market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data. The AI-based fundamental rating is based on an algorithm and should not be the sole basis for investment decisions.
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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