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Consumer Portfolio Services Inc(CPSS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CPSS
09/17/2026: CPSS (2-star) is currently NOT-A-BUY. Pass it for now.
Consumer Portfolio Services is a specialty finance company that provides subprime auto loans to credit-impaired consumers. The company operates in a cyclical market, relying on deep dealer relationships and proprietary underwriting models to price risk effectively. Its primary growth opportunity lies in leveraging digital tools to improve operational efficiency and expand its loan portfolio. However, the business faces significant risks, including high sensitivity to macroeconomic conditions, potential regulatory scrutiny, and competitive pressure from large financial institutions. The stock may suit value-oriented investors who are comfortable with the inherent volatility of subprime credit and the absence of dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company's growth is tied to credit cycle expansions rather than consistent, rapid scaling. |
| Momentum investor | Weak fit | The stock tends to be cyclical and often lacks consistent momentum outside of specific economic recoveries. |
| Value investor | Strong fit | CPS can appear undervalued relative to its book value when sentiment regarding credit quality is overly pessimistic. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The company's business model involves high leverage and exposure to credit-impaired borrowers, leading to significant volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock exhibits sharp price movements driven by interest rate news and economic data. |
| Valuation risk | Medium | Market pricing often fluctuates based on the perceived health of the subprime consumer. |
| Competition risk (Subprime Auto Lending) | High | Intense pressure from banks and large fintech lenders limits pricing power. |
| Business quality | Medium | The business relies on complex securitization structures which carry inherent risks. |
| Dividend income | Low / none | The company reinvests all capital, offering no yield to investors. |
| Execution risk | Medium | Success depends on accurately pricing risk in an environment with high default potential. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -7.27% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 204.55M USD | Price to earnings Ratio 10.43 | 1Y Target Price 14 |
Price to earnings Ratio 10.43 | 1Y Target Price 14 | ||
Volume (30-day avg) 21.5K shares | Beta 1.11 | 52 Weeks Range 7.30 - 10.49 | Updated Date 09/17/2026 |
52 Weeks Range 7.30 - 10.49 | Updated Date 09/17/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Finance Receivables | Interest and fee income generated from purchasing and servicing auto loans. | The company earns money by charging interest to consumers who need loans for cars. |
Valuation
Trailing PE 10.43 | Forward PE 3.95 | Enterprise Value 4.22B | Price to Sales(TTM) 0.97 |
Enterprise Value 4.22B | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 20.17 | Enterprise Value to EBITDA - | Shares Outstanding 21.55M | Shares Floating 8.72M |
Shares Outstanding 21.55M | Shares Floating 8.72M | ||
Percent Insiders 31.01 | Percent Institutions 46.07 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Consumer Portfolio Services Inc
Exchange NASDAQ | Headquarters 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 994 | |
Full time employees 994 | |||
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. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
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