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Upturn AI Summary - About
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
10/16/2026: CPSS (2-star) is currently NOT-A-BUY. Pass it for now.
Consumer Portfolio Services Inc is a specialized finance company focused on the non-prime automobile lending market. The company possesses a long-standing position in this niche, leveraging proprietary underwriting expertise and deep relationships with car dealerships to drive its lending volume. Its primary growth opportunity lies in refining its digital origination platform and optimizing portfolio performance, while the key risks include high sensitivity to interest rate cycles, economic downturns affecting borrower credit, and competition from fintech-driven lenders. The stock is best suited for investors who understand the risks of subprime credit and the cyclical nature of automotive finance, and they should monitor credit quality and funding costs.
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 offers growth potential tied to lending volume but is limited by capital constraints and industry volatility. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may find opportunity during periods of portfolio expansion and favorable credit cycles. |
| Value investor | Mixed fit | Value investors may look at the stock during market corrections, though the business model carries inherent credit risk. |
| Dividend investor | Weak fit | The company does not pay a regular dividend, making it unsuitable for pure income strategies. |
| Low-risk investor | Weak fit | The specialized subprime lending business carries high volatility and credit risk, unsuitable for low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant swings based on interest rates and credit market sentiment. |
| Valuation risk | Medium | Valuations are often depressed due to the inherent risks in the subprime auto lending segment. |
| Competition risk (specialized lenders) | Medium / high | The market is crowded with both traditional banks and fintech disruptors. |
| Business quality | Medium | While the firm is an experienced operator, the subprime model is naturally prone to cyclical credit losses. |
| Dividend income | Low / none | The lack of dividends makes the stock unattractive for income-focused investors. |
| Execution risk | Medium | The ability to accurately underwrite risk determines the long-term profitability of the loan portfolio. |
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 10/16/2026 |
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 200.43M USD | Price to earnings Ratio 10.05 | 1Y Target Price 14 |
Price to earnings Ratio 10.05 | 1Y Target Price 14 | ||
Volume (30-day avg) 28.6K shares | Beta 1.14 | 52 Weeks Range 7.39 - 10.49 | Updated Date 10/17/2026 |
52 Weeks Range 7.39 - 10.49 | Updated Date 10/17/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Automotive Lending | Interest and fees generated from retail installment contracts. | The company earns money by charging higher interest rates to subprime borrowers and managing loan portfolios. |
Valuation
Trailing PE 10.05 | Forward PE 3.95 | Enterprise Value 4.22B | Price to Sales(TTM) 0.95 |
Enterprise Value 4.22B | Price to Sales(TTM) 0.95 | ||
Enterprise Value to Revenue 20.19 | Enterprise Value to EBITDA - | Shares Outstanding 21.91M | Shares Floating 8.72M |
Shares Outstanding 21.91M | Shares Floating 8.72M | ||
Percent Insiders 39.86 | Percent Institutions 45.33 |
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.
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