Audited annual filings, TTM ratios and consensus forward estimates
Wall Street price targets and rating actions
Revenue disaggregation per 10-K filing
Annual filings (FY) with consensus forward estimates (hatched)
Current price $9.90
Latest analyst grade actions
| Date | Firm | Action | Previous | New grade |
|---|---|---|---|---|
| Apr 3, 20 | JMP Securities | maintain | Market Outperform | Market Outperform |
| Jun 8, 18 | JMP Securities | upgrade | Market Perform | Market Outperform |
| Mar 16, 16 | JMP Securities | downgrade | Market Outperform | Market Perform |
| Feb 25, 16 | Jefferies | maintain | Buy | Buy |
| Jan 2, 15 | Jefferies | maintain | Buy | Buy |
| Sep 4, 14 | Jefferies | maintain | Buy | Buy |
| Jul 8, 14 | Compass Point | maintain | Buy | Buy |
| May 7, 14 | JMP Securities | maintain | Market Outperform | Market Outperform |
| Jun 12, 13 | JMP Securities | maintain | Market Outperform | Outperform |
1255 daily bars · split adjusted
Daily · Wilder smoothing
Classic floor pivots from 2026-10-23
Computed from daily OHLCV bars
| Indicator | Value | Type | Action |
|---|---|---|---|
| RSI (14) | 64.34 | Oscillator | Neutral |
| Stochastic %K (14, 3, 3) | 54.93 | Oscillator | Neutral |
| Williams %R (14) | 0.00 | Oscillator | Sell |
| MACD (12, 26, 9) | 0.00 (Hist 0.05) | Oscillator | Strong Buy |
| Average Directional Index (14) | 15.99 (+DI 29.2 / -DI 17.1) | Trend | Neutral |
| EMA 20 | 9.25 | MA | Strong Buy |
| SMA 20 | 9.18 | MA | Strong Buy |
| EMA 50 | 9.28 | MA | Strong Buy |
| SMA 50 | 9.28 | MA | Strong Buy |
| SMA 200 | 9.01 | MA | Strong Buy |
SEC EDGAR filings · last 12 months
| Form | Filed | Accepted | Document |
|---|---|---|---|
| 8-K | Oct 23, 2026 | 2026-10-23 14:40:17 | View |
| 8-K | Oct 21, 2026 | 2026-10-21 16:31:48 | View |
| 8-K | Oct 13, 2026 | 2026-10-13 16:40:11 | View |
| ABS-15G | Oct 5, 2026 | 2026-10-05 16:14:14 | View |
| 4 | Oct 1, 2026 | 2026-10-01 16:25:48 | View |
| ARS | Sep 30, 2026 | 2026-09-30 16:52:58 | View |
| DEF 14A | Sep 30, 2026 | 2026-09-30 16:52:55 | View |
| 4 | Sep 3, 2026 | 2026-09-03 13:00:58 | View |
| 4 | Aug 28, 2026 | 2026-08-28 18:57:44 | View |
| 424B2 | Aug 26, 2026 | 2026-08-26 13:31:56 | View |
Proxy statement (DEF 14A) disclosures
Free float vs. closely held shares
13F institutional holdings are not available in the current data plan.
SEC Form 4 filings
| Date | Insider | Role | Type | Shares @ price | Value |
|---|---|---|---|---|---|
| Oct 1, 26 | Robinson Teri | officer: Exec. Vice President | G-Gift | 660 | — |
| Sep 1, 26 | Jackson Noel | officer: Sr. Vice President | M-Exempt | 7,500 @ $2.47 | $18.52K |
| Sep 1, 26 | Jackson Noel | officer: Sr. Vice President | M-Exempt | 7,500 @ $2.47 | $18.52K |
| Sep 1, 26 | Jackson Noel | officer: Sr. Vice President | S-Sale | 7,500 @ $9.31 | $69.83K |
| Aug 26, 26 | Bradley Charles E Jr | director, 10 percent owner, officer: CEO | S-Sale | 125,000 @ $9.46 | $1.18M |
| Aug 12, 26 | Ralston Catrina Marie | officer: Sr. Vice President | S-Sale | 3,617 @ $9.50 | $34.36K |
| Aug 11, 26 | Terry Chris | officer: Exec. Vice President | A-Award | 90,000 @ $9.20 | $828.0K |
| Aug 11, 26 | Schween Steven | officer: Sr. Vice President | A-Award | 60,000 @ $9.20 | $552.0K |
Stock news · updated daily
Diluted EPS up 50%; Net Income Increases 43%; Quarterly Loan Originations Grow by 109%; Total Portfolio Exceeds $4.7 Billion- Highest in Company History Diluted EPS up 50%; Net Income Increases 43%; Quarterly Loan Originations Grow by 109%; Total Portfolio Exceeds $4.7 Billion- Highest in Company History
LAS VEGAS, Nevada, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that it will hold a conference call on Monday, October 26, 2026 at 1:00 p.m. ET to discuss its third quarter 2026 operating results.
LAS VEGAS, Nevada, Oct. 21, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its fourth term securitization in 2026 on Wednesday October 21, 2026. The transaction is CPS's 61st senior subordinate securitization since the beginning of 2011, and the 44th consecutive securitization to receive a triple “A” rating from at least two rating agencies on the senior class of notes. It also marks the 111th securitization in the history of the Company.
LAS VEGAS, Nevada, Oct. 13, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that on October 9, 2026, it amended its two-year revolving credit agreement with Capital One, N.A. to increase the capacity of the facility. The amendment applies to both Capital One, N.A. and the subordinate lender, and increases the total capacity of the facility from $390 million to $518 million.
LAS VEGAS, Nevada, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of a $80.0 million securitization of residual interests from previously issued securitizations.
Consumer Portfolio Services, Inc. (CPSS) Q2 2026 Earnings Call Prepared Remarks Transcript
Consumer Portfolio Services NASDAQ: CPSS reported sharply higher second-quarter loan originations and improved profitability, as the subprime auto lender expanded its sales force, added dealers and maintained what management described as disciplined underwriting standards.
LAS VEGAS, NV, Aug. 04, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced earnings of $6.2 million, or $0.27 per diluted share for its second quarter ended June 30, 2026. This represents a 30% increase in net income compared to $4.8 million in the second quarter of 2025. Earnings per diluted share increased by 35% compared to $0.20 in the second quarter of 2025.
Reported EPS vs. consensus estimate
| Report date | EPS est. | EPS actual | Surprise | Revenue |
|---|---|---|---|---|
| Oct 22, 2026 | — | 0.30 | — | $131.9M |
| Aug 4, 2026 | — | 0.27 | — | $121.4M |
| May 5, 2026 | — | 0.24 | — | $112.3M |
| Mar 10, 2026 | 0.23 | 0.21 | Miss -8.7% | $109.4M |
| Nov 10, 2025 | 0.25 | 0.20 | Miss -20.0% | $108.4M |
| Aug 11, 2025 | 0.26 | 0.20 | Miss -23.1% | $109.8M |
TTM vs. 5-year historical average (annual ratios)
| Metric | CPSS | Historical (5Y) / ref | Status |
|---|---|---|---|
| P/E ratio (TTM) | 9.1x | 7.0x · sector 20.4x | Discount |
| Forward P/E (FY26E) | 4.0x | EPS est. 2.45 | Discount |
| Price / Book | 0.7x | 0.9x | Discount |
| Price / Sales | 0.5x | 0.6x | Discount |
| EV / EBITDA | 20.1x | 44.7x | Discount |
| Return on equity | 7.5% | — | Weak |
| Gross margin | 87.5% | 75.3% | Above hist. |
| Debt / Equity | 13.60 | 10.76 | Levered |
| Piotroski / Altman Z | 7/9 | Z 0.12 | Distress |
Discounted cash flow model