CPSS · Consumer Portfolio Services, Inc.
$9.02
-0.01 (-0.11%)
At close · Oct 20
Return incl. dividend (before tax)
Market Cap
$194.64M
Shares
21.55M
Volume · Oct 20
7715
Avg daily vol (3M)
23.67K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.03
Open$9.25
Day$8.98–9.25
52W close$7.39–10.30
Avg vol 30d28K
Short int162K · 0.8% float · 5.4d
Short vol60%
Last earningsAug 5, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 4, 2026
Est · unconfirmed
· in 2 wks
filed Aug 7, 2026
call held Aug 5, 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)
9.8
Trailing earnings · reciprocal yield 10.2%
FCF yield
179.5%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$873.35M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-2.9%
Year over year · fewer shares
Price change (1Y)
+13.3%
Trailing year
Short interest
0.8%
Latest settlement · 5.4 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
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
Neutral
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+0%
above
Price vs 50-day avg
−3%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
56%
mid-range
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+1%
trailing
YTD return
−3%
this year
Relative strength
−7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $9 › 200d $9 — 50d above 200d
Institutional flow
Accumulating
6 of 62 funds reported for Sep 30 · net +1.2K sh shares · +1 new
Insider flow
Distributing
Net -$1.3M over 90 days · 100% sells
Short interest
Rising
0.75% of float · ▲ +0.6% MoM · 5.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
62 holders — near 3-yr high, broad support
Squeeze score
58
elevated · 0–100
Fundamentals
Revenue growth
+10%
Y/Y
EPS growth
+1%
Y/Y
Free cash flow
$288.3M
Valuation
P/E 9.8
below peers
Balance sheet
$494.4M
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
3.5%
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+0%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
56%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $9 › 200d $9 — 50d above 200d
Institutional flow
Accumulating
6 of 62 funds reported for Sep 30 · net +1.2K sh shares · +1 new
Insider flow
Distributing
Net -$1.3M over 90 days · 100% sells
Short interest
Rising
0.75% of float · ▲ +0.6% MoM · 5.4 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 · 56%
Range high $10
vs 200-day avg +0%
vs 50-day avg -3%
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 |
|---|---|---|---|
| Contracts purchased (units) | 32,857 | Three Months Ended June 30, 2026 filing | — |
| Managed portfolio outstanding (dollars) | $4.31B | Three Months Ended June 30, 2026 filing | — |
| Managed portfolio outstanding (units) | 235,760 | Three Months Ended June 30, 2026 filing | — |
| Number of Originations staff | 193 | Three Months Ended June 30, 2026 filing | — |
| Number of other staff | 71 | Three Months Ended June 30, 2026 filing | — |
| Number of Sales staff | 160 | Three Months Ended June 30, 2026 filing | — |
| Number of Servicing staff | 570 | Three Months Ended June 30, 2026 filing | — |
| Total number of employees | 994 | Three Months Ended June 30, 2026 filing | — |
| 31+ Days delinquencies | 9.97% | as of June 30, 2026 | — |
| Annualized Net Charge-offs as % of Average Portfolio | 7.28% | three months ended June 30, 2026 | — |
| Average portfolio balance | $4.19B | three months ended June 30, 2026 | — |
| Contracts purchased | $757.67M | three months ended June 30, 2026 | — |
| Contracts securitized | $526.17M | three months ended June 30, 2026 | — |
| Recovery rates | 33.3% | three months ended June 30, 2026 | — |
| Repossession Inventory | 2.19% | as of June 30, 2026 | — |
| Total Delinquencies and Repo. Inventory | 12.16% | as of June 30, 2026 | — |
| Total portfolio balance | $4.31B | as of June 30, 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CPSS
this stock
Consumer Portfolio Services, Inc.
|
$194.64M | -3.2% | +10.4% | 9.8 | 0.8% |
|
V
Visa Inc.
|
$727.78B | +14.9% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$539.97B | +8.0% | +16.4% | 33.9 | 0.7% |
|
AXP
American Express Co
|
$215.38B | -14.5% | +13.4% | 19.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$122.59B | -17.5% | +36.6% | 12.0 | 1.5% |
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
SEC Filings
Latest
8-K
- Filed
- Oct 13, 2026
- This year
- 22
Consumer Portfolio Services, Inc. amended its revolving credit agreement with Capital One, N.A. on October 9, 2026, increasing capacity from $390 million to $518 million. Total credit capacity reached $1.026 billion, with borrowing available through October 17, 2027.
ViewEarnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CPSS | -1.1% | -6.1% | +0.9% | -1.4% | -3.2% |
| SPY | -1.5% | -0.9% | +7.7% | +0.5% | +12.4% |
| vs SPY | +0.4% | -5.2% | -6.8% | -1.9% | -15.6% |