Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
CPSS logo CPSS
Upturn stock ratingUpturn stock rating
CPSS logo

Consumer Portfolio Services Inc (CPSS)

Upturn stock ratingUpturn stock rating
$9.83
Last Close (24-hour delay)
Profit since last BUY4.57%
upturn advisory
Consider higher Upturn Star rating
BUY since 32 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: CPSS (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $15

1 Year Target Price $15

Analysts Price Target For last 52 week
$15Target price
Low$
Current$9.83
high$

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

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

Analyst Ratings

Rating -
Target Price 15
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Consumer Portfolio Services Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.