CPSS · Consumer Portfolio Services, Inc.
Market Cap
$203.26M
Shares
21.55M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.43
Open$9.44
Day$9.28–9.65
52W close$7.30–10.30
Avg vol 30d21K
Short int162K · 0.8% float · 10.2d
Short vol81%
Last earningsAug 5, 2026
DataJan 2020–Sep 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 4, 2026
Est · unconfirmed
· in 7 wks
filed Aug 7, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$451.56M
Trailing 12 months
Net income (TTM)
$21.61M
Trailing 12 months
Revenue growth YoY
+10.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
10.3
Trailing earnings · reciprocal yield 9.8%
FCF yield
171.9%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-2.9%
Year over year · fewer shares
Price change (1Y)
+6.8%
Trailing year
Short interest
0.8%
Latest settlement · 10.2 days to cover
AI Brief
Q2 FY26 earnings call · Aug 5, 2026
Q2 FY26
TL;DR. CPSS reported record Q2 2026 originations of $758 million, up 75% year-over-year, driving a 30% increase in net income to $6.2 million and a 35% rise in diluted EPS to $0.27, alongside improving credit metrics.
Bullish
- + New loan originations reached a record $757.7 million in Q2 2026, up 75% from $433.0 million a year earlier.
- + Revenues grew 11% to $121.4 million and pre-tax income grew 30% to $9.0 million versus Q2 2025.
- + Credit metrics improved, with 30+ day delinquencies (including repo inventory) falling to 12.16% from 13.14% and annualized net charge-offs falling to 7.28% from 7.45%.
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Strong Buy
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
High
Market backdrop
VIX 15.8 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+5%
above
Price vs 50-day avg
+1%
above
RSI (14)
53
neutral
MACD trend
Positive
52-week position
71%
mid-range
Volume (OBV)
Bullish div.
accumulating
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+20%
trailing
YTD return
+1%
this year
Relative strength
+2%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $9 › 200d $9 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +7 funds added
Insider flow
Distributing
Net -$1.4M over 90 days · 100% sells
Short interest
Rising
0.75% of float · ▲ +8.5% MoM · 10.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
62 holders — near 3-yr high, broad support
Squeeze score
50
elevated · 0–100
Fundamentals
Revenue growth
+10%
Y/Y
EPS growth
+1%
Y/Y
Free cash flow
$288.3M
Valuation
P/E 10.3
below peers
Balance sheet
$494.4M
net debt
Quant / Vol
risk profile
Volatility
42%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
4.4%
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 Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+5%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
53
Neutral
MACD trend
Positive
Bullish
52-week position
71%
Neutral
Volume (OBV)
Bullish div.
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $9 › 200d $9 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +7 funds added
Insider flow
Distributing
Net -$1.4M over 90 days · 100% sells
Short interest
Rising
0.75% of float · ▲ +8.5% MoM · 10.2 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 · 71%
Range high $10
vs 200-day avg +5%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
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.
|
$203.26M | +1.1% | +10.4% | 10.3 | 0.8% |
|
V
Visa Inc.
|
$661.04B | +5.6% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$498.62B | -0.3% | +16.4% | 31.3 | 0.9% |
|
AXP
American Express Co
|
$219.27B | -12.2% | +13.4% | 19.7 | 1.5% |
|
COF
Capital One Financial Corp
|
$127.79B | -14.1% | +36.6% | 12.5 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CPSS | +7.0% | -2.2% | +19.8% | +2.2% | +1.1% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | +8.2% | -0.4% | +2.0% | +2.5% | -11.0% |
Key facts
CIK
889609
CUSIP
210502100
13F (30d)
16 filings
16 filers
Visit website
Investor relations