CPSS · Consumer Portfolio Services, Inc.

Track CPSS — free

$9.26 +0.02 (+0.22%) At close · Aug 20

Market Cap

$200.31M

21.55M

Up next

Next earnings call

Nov 4, 2026 Est · unconfirmed · in 11 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +4%

above

Price vs 50-day avg −2%

below

RSI (14) 48

neutral

MACD trend Negative

52-week position 66%

mid-range

Momentum

relative strength

Strong

1-month return −2%

trailing

6-month return +14%

trailing

YTD return −1%

this year

Relative strength +3%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $9 › 200d $9 — 50d above 200d

Institutional flow Accumulating

+2% holders QoQ · +8 funds added

Insider flow Distributing

Net -$114.9K over 90 days · 100% sells

Short interest Rising

0.64% of float · ▲ +0.1% MoM · 6.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

62 holders — near 3-yr high, broad support

Squeeze score 44

elevated · 0–100

Fundamentals

Strong

Revenue growth +10%

Y/Y

EPS growth +1%

Y/Y

Free cash flow $288.3M

Valuation P/E 10.1

below peers

Balance sheet $17.9M

net debt

Quant / Vol

risk profile

Moderate

Volatility 42%

annualized · 1-yr

Max drawdown −22%

past year

ATR 3.4%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+4% Bullish

Price vs 50-day avg

−2% Neutral

RSI (14)

48 Neutral

MACD trend

Negative Bearish

52-week position

66% Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $9 › 200d $9 — 50d above 200d

Institutional flow Accumulating

+2% holders QoQ · +8 funds added

Insider flow Distributing

Net -$114.9K over 90 days · 100% sells

Short interest Rising

0.64% of float · ▲ +0.1% MoM · 6.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

62 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $7 Now $9 · 66% Range high $10

vs 200-day avg +4% vs 50-day avg -2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Annualized Net Charge-offs as % of Average Portfolio	7.9%	six months ended June 30, 2026	—

Average portfolio balance	$4.19B	Q2 2026	—

Contracts purchased	$1.29B	six months ended June 30, 2026	—

Contracts securitized	$878.83M	six months ended June 30, 2026	—

Delinquencies 31+ Days	9.97%	Q2 2026	—

Net interest margin	$102.52M	six months ended June 30, 2026	—

Recovery rates	32.1%	six months ended June 30, 2026	—

Repossession Inventory	2.19%	Q2 2026	—

Total Delinquencies and Repo. Inventory	12.16%	Q2 2026	—

Total portfolio balance	4.31B	Q2 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Credit Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
CPSS Consumer Portfolio Services, Inc. this stock	$200.31M	-0.8%	+10.4%	10.1	0.6%
V Visa Inc.	$652.62B	+4.3%	-4.9%	—	1.2%
MA Mastercard Inc	$502.58B	+0.5%	+16.4%	31.6	1.0%
AXP American Express Co	$223.63B	-10.5%	+13.4%	20.1	1.8%
COF Capital One Financial Corp	$138.96B	-12.3%	+36.6%	—	1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

% held: 45.8%
Net QoQ: -79.8K sh
Top holder: Black Diamond Capital Man…

Held Float

View

Held by Funds

Fund positions

109

View

Short & Settlement

Short Interest Rising

Shares short

137.4K

Days to cover: 6.6d
Change: +93 sh

View

Short Volume

Short vol %

45%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

103

Value: $958
As of: Jul 7, 2026

View

Off-Exchange

Off-exchange %

25.2%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$114.9K

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Financials

Revenue (FY)

$434.5M

Net income (FY): $19.3M
EPS diluted: $0.80

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 7, 2026
This year: 17

View

Proposed Sales

Value

$150.6K

Shares: 20.0K
Filed: Mar 16, 2026

View

Earnings & Events

Earnings Calls

Last call

Aug 5, 2026

View

Performance

	5D	20D	120D	MTD	YTD
CPSS	-3.9%	-1.8%	+14.3%	-0.6%	-0.8%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	-2.0%	-5.1%	+3.2%	-2.7%	-12.6%

Key facts CIK 889609 CUSIP 210502100 13F (30d) 58 filings 58 filers Visit website Investor relations

CPSS · Consumer Portfolio Services, Inc.

Price & Indicators

Up next

AI Brief

Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance