Consumer Portfolio Services, Inc. (CPSS) AI Stock Analysis

Consumer Portfolio Services, Inc. operates as a specialty finance company based in Las Vegas, Nevada, primarily purchasing and servicing retail automobile contracts across the United States. Founded in 1991, the company acquires installment purchase contracts originated by franchised and select independent automobile dealers. These contracts provide indirect financing to consumers with limited credit histories or credit challenges. In addition to purchasing contracts through mergers, acquisitions, and non-affiliated lenders, the company directly offers financing solutions to sub-prime consumers purchasing new or used passenger vehicles. It maintains branches across key states including California, Nevada, Virginia, Florida, and Illinois.

Annual revenue grew from $267.8M in FY2021 to $428.0M in FY2025, representing a 5-year revenue CAGR of 9.6%. Net income reached a peak of $86.0M in FY2022 before declining to $19.2M in FY2024 and $19.3M in FY2025, with net margins finishing FY2025 at 4.5%. For FY2025, operating margin was 60.8%, up from 7.0% in FY2024. In the latest quarter ended June 30, 2026, quarterly revenue grew 18.9% year-over-year while quarterly earnings expanded 35.0%. Over the trailing twelve months, revenue totaled $211.8M with an operating margin of 15.8% and EPS of $0.91.

As of June 30, 2026, the company held $7.5M in cash and short-term investments compared to total debt of $4.01B, resulting in net debt of $4.00B and a debt-to-equity ratio of 12.56. Shareholders' equity was $319.2M against total assets of $4.42B, and the current ratio stood at 0.23. Operating cash flow reached $289.0M in FY2025, supporting free cash flow of $288.3M. In FY2025, capital expenditures were $709,000, and the company deployed $8.7M toward share buybacks, helping lower its share count by 12.3% over five years.

At $9.15 per share, Consumer Portfolio Services trades at a trailing P/E of 10.1x and a forward P/E of 3.9x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. The stock trades at a price-to-book ratio of 0.7x and a price-to-sales ratio of 0.9x, below the peer group median price-to-sales of 3.2x. Over the past year, the shares gained 13.0%, trailing the 16.8% return of the S&P 500, while its five-year return of 43.6% also trailed the index return of 83.0%.

Wall Street analysts set a mean price target of $14.00, representing an upside of 53.0% over the last close of $9.15. The consensus EPS estimate for the fiscal year ending December 31, 2026, is $1.45, reflecting projected EPS growth of 81.2%. Over the last four quarters, the company recorded 0 EPS beats against consensus estimates. The next earnings report is scheduled for November 9, 2026.

This page is an AI-written research summary of Consumer Portfolio Services, Inc. (CPSS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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