CPSS
Consumer Portfolio Services, Inc.Price & Indicators
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
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 NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Net interest margin | $48.66M | Three months ended March 31, 2026 | — |
| annualized net charge-offs | 8.57% | Q1 FY2026 call | — |
| average applications per month | 334,000 | Q1 FY2026 call | — |
| average payment | $542 | Q1 FY2026 call | — |
| capture rate | 7.65% | Q1 FY2026 call | — |
| core operating expenses as a percentage of managed portfolio | 4.6% | Q1 FY2026 call | — |
| fair value portfolio | $3.8B | Q1 FY2026 call | — |
| new and reactivated dealers added | 2,335 | Q1 FY2026 call | — |
| new loan originations | $533M | Q1 FY2026 call | — |
| portfolio yield | 11.3% | Q1 FY2026 call | — |
| recoveries | 32% | Q1 FY2026 call | — |
| return on managed assets | 0.8% | Q1 FY2026 call | — |
| sales representatives | 124 | Q1 FY2026 call | — |
| securitization | $345M | Q1 FY2026 call | — |
| total active dealers | 10,544 | Q1 FY2026 call | — |
| Annualized Net Charge-offs as % of Average Portfolio | 7.76% | Twelve months ended December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CPSS
this stock
Consumer Portfolio Services, Inc.
|
$201.36M | -0.5% | +6.8% | 10.9 | 0.6% |
|
V
Visa Inc.
|
$654.98B | +1.5% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$487.33B | -6.1% | +16.4% | 31.9 | 0.9% |
|
AXP
American Express Co
|
$246.71B | -2.9% | +13.4% | 22.6 | 1.6% |
|
COF
Capital One Financial Corp
|
$131.88B | -12.2% | +36.6% | 54.1 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CPSS | +1.1% | -3.1% | +12.6% | -3.3% | -0.5% |
| SPY | +1.3% | -0.2% | +10.1% | +1.1% | +10.7% |
| vs SPY | -0.2% | -3.0% | +2.5% | -4.4% | -11.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.