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Upturn AI SWOT - About
CPSS 
Consumer Portfolio Services Inc (CPSS)
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Upturn Advisory Summary
10/14/2025: CPSS (1-star) is currently NOT-A-BUY. Pass it for now.
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 -28.17% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
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. It focuses on purchasing, servicing, and managing portfolios of subprime automobile retail installment contracts. The company has evolved to leverage technology and data analytics in its operations.
Core Business Areas
- Subprime Auto Financing: CPS provides indirect financing of new and used automobiles to individuals with limited credit histories or past credit problems.
- Portfolio Management: CPS actively manages its portfolio of auto loans through collections, servicing, and risk management strategies.
Leadership and Structure
The leadership team consists of experienced professionals in finance and the auto lending industry. The organizational structure includes departments for origination, servicing, collections, risk management, and finance.
Top Products and Market Share
Key Offerings
- Indirect Auto Loans: CPS provides indirect auto financing to consumers through a network of franchised and independent automobile dealerships. Market share data is not readily available publicly for CPS specific product lines. Competitors include regional and national auto lenders specializing in subprime lending.
Market Dynamics
Industry Overview
The subprime auto lending industry is characterized by higher interest rates and higher risk of default compared to prime auto loans. It's influenced by economic conditions, interest rates, and regulatory oversight.
Positioning
CPS is a player in the subprime auto lending market, focusing on risk management and data-driven decision-making.
Total Addressable Market (TAM)
The TAM for subprime auto lending is estimated to be in the hundreds of billions of dollars. CPS's positioning is based on capturing a portion of this market through its dealer network and underwriting process.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Established dealer network
- Focus on risk management
- Proprietary scoring models
Weaknesses
- High reliance on subprime borrowers
- Sensitivity to economic downturns
- Regulatory scrutiny
- Higher cost of funds
Opportunities
- Expansion into new markets
- Technological innovation in lending processes
- Strategic partnerships with dealerships
- Increased demand for used vehicles
Threats
- Increased competition in the subprime auto lending market
- Changes in regulations affecting auto lending
- Economic recession leading to higher default rates
- Rising interest rates impacting borrower affordability
Competitors and Market Share
Key Competitors
- ALLY
- CACC
- SCUF
Competitive Landscape
CPS faces intense competition from larger financial institutions and specialized auto lenders. Its competitive advantage lies in its risk management expertise and established dealer network.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to real-time financial databases. Consumer Portfolio Services has experienced cyclical growth based on economic trends.
Future Projections: Future projections based on Analyst Estimates require access to real-time financial databases.
Recent Initiatives: Recent strategic initiatives undertaken by Consumer Portfolio Services, include investments in technology to improve underwriting and servicing capabilities.
Summary
Consumer Portfolio Services operates in the volatile subprime auto lending market. While their expertise in risk management and dealer network are strengths, they face economic sensitivity and regulatory scrutiny. Future success depends on adapting to changing market conditions and capitalizing on technological advancements. Access to real time financial data and market analysis is needed to determine current standing.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news outlets
- SEC.gov
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions can change rapidly, and investors should conduct their own due diligence before making 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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