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CPSS 
Consumer Portfolio Services Inc (CPSS)
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Upturn Advisory Summary
12/19/2025: CPSS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -18.94% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/19/2025 |
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. The company began as a provider of indirect automobile financing and has since evolved to become a significant player in the subprime auto loan market. Key milestones include its IPO in 1993, expanding its servicing capabilities, and navigating various economic cycles and regulatory changes in the financial services industry.
Core Business Areas
- Loan Origination and Servicing: CPS originates and services automobile loans for customers with limited credit history or prior credit difficulties. They purchase installment loan contracts from automobile dealers and service these loans on behalf of the purchasers. This is their primary and most substantial business segment.
- Portfolio Acquisition: CPS also engages in acquiring portfolios of automobile loans from other originators or financial institutions. This allows them to expand their servicing portfolio and revenue streams.
Leadership and Structure
The company is led by a management team that oversees its operations, risk management, and strategic direction. The organizational structure is designed to support its core functions of loan underwriting, servicing, and portfolio management.
Top Products and Market Share
Key Offerings
- Automobile Loan Financing: CPS offers financing for new and used automobiles to individuals who may not qualify for traditional bank loans due to credit history. The revenue is generated from interest on these loans and servicing fees. Competitors include other subprime auto lenders such as Ally Financial (ALLY), Santander Consumer USA Holdings Inc. (SC), and many smaller regional players.
Market Dynamics
Industry Overview
The subprime auto lending market is characterized by higher interest rates and higher risk of default compared to prime lending. It serves a significant portion of the population that relies on automobile transportation but faces credit challenges. The industry is influenced by economic conditions, interest rate environments, and regulatory scrutiny.
Positioning
CPS is positioned as a specialized lender in the subprime auto finance sector. Its competitive advantage lies in its established servicing infrastructure, risk assessment capabilities for this specific customer segment, and dealer relationships. However, it operates in a segment with inherent higher credit risk.
Total Addressable Market (TAM)
The Total Addressable Market (TAM) for auto financing, including subprime, is substantial, running into hundreds of billions of dollars annually in the US. CPS targets a specific niche within this market. Its positioning is focused on a segment of this TAM that is underserved by traditional lenders.
Upturn SWOT Analysis
Strengths
- Established expertise in subprime auto lending and servicing.
- Strong relationships with automobile dealerships.
- Proprietary risk assessment and underwriting models.
- Diversified revenue streams from origination and servicing fees.
Weaknesses
- High susceptibility to economic downturns and rising unemployment.
- Concentration risk in the automobile loan portfolio.
- Dependence on dealer referral programs.
- Potential for increased regulatory oversight in the subprime lending space.
Opportunities
- Expansion into adjacent lending products.
- Leveraging technology to improve underwriting and servicing efficiency.
- Acquiring loan portfolios from other institutions.
- Growth in underserved consumer segments.
Threats
- Rising interest rates increasing borrowing costs and default risk.
- Increased competition from fintech lenders and traditional banks expanding into subprime.
- Stricter government regulations on lending practices.
- Economic recessions leading to higher delinquency and repossession rates.
Competitors and Market Share
Key Competitors
- Ally Financial Inc. (ALLY)
- Santander Consumer USA Holdings Inc. (SC)
- Capital One Financial Corporation (COF)
- Ford Motor Credit Company, LLC (subsidiary of F)
Competitive Landscape
CPS holds a niche position in the subprime auto finance market. Its advantages are its specialization and established infrastructure. However, it faces intense competition from larger, more diversified financial institutions and specialized subprime lenders. Its disadvantages include a smaller scale compared to major players, making it potentially more vulnerable to market shocks and regulatory shifts.
Growth Trajectory and Initiatives
Historical Growth: CPS has shown historical growth driven by an increase in loan originations and servicing volume. Growth can be cyclical, influenced by the economic environment and the company's ability to manage credit risk effectively.
Future Projections: Future growth projections are typically based on analyst estimates and the company's strategic plans. Factors influencing projections include market demand for subprime auto loans, interest rate forecasts, and regulatory changes.
Recent Initiatives: Recent initiatives might include enhancements to their underwriting technology, expansion of their dealer network, or strategic partnerships aimed at increasing loan origination volume or improving operational efficiency.
Summary
Consumer Portfolio Services Inc. is a specialized player in the subprime auto finance market. The company's core strength lies in its established expertise in originating and servicing loans for credit-challenged consumers. Its primary revenue comes from interest on these loans and servicing fees. While it benefits from a significant addressable market, it faces considerable risks from economic downturns, rising interest rates, and intense competition from larger financial institutions. Continued focus on robust risk management and efficient operations is crucial for navigating these challenges and capitalizing on growth opportunities.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg)
- Industry Reports on Auto Finance
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data and financial metrics are estimates and subject to change. Actual financial performance and market position may vary. Investors should conduct their own due diligence.
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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