CPSS · Consumer Portfolio Services, Inc.

Track CPSS — free

$9.23 -0.19 (-2.02%) At close · Aug 31

Russell 2000 member Rebalance outlook locked

Market Cap

$203.05M

21.55M

Up next

Next earnings call

Nov 4, 2026 Est · unconfirmed · in 9 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

AI Brief

Q2 FY26 earnings call · Aug 5, 2026

Q2 FY26

TL;DR. CPS reported Q2 2026 net income up 30% to $6.2 million on record loan originations of $758 million (up 75% year-over-year), while credit metrics continued to improve and shareholder equity hit a record $319.2 million.

Bullish

+ Q2 loan originations hit a record $758 million, up 75% year-over-year, driven by sales force expansion to 149 reps (+60% YTD) and active dealers up 84% YoY to 11,889. new
+ Q2 net income rose 30% to $6.2 million and diluted EPS rose 35% to $0.27 versus prior-year quarter. new
+ Credit quality improved, with 30+ day delinquencies falling to 12.16% from 13.14% and net charge-offs declining to 7.28% from 7.45% year-over-year, while approval rate held at ~51%. new
+ Shareholders' equity reached a record $319.2 million, up 5% YoY, with total cash of $180.2 million. new
+ Revenue grew 11% to $121.4 million while core operating expenses rose only 3% over the prior-year six-month period, improving operating leverage. new

Bearish

− Interest expense rose 9% to $64 million as securitization debt grew to fund the larger portfolio, pressuring margins. new
− Management cited the Iran war and elevated interest rates as headwinds, wishing for rates to come down to ease securitization costs and inflation. new

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

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

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

Market backdrop VIX 14.9 · calm Equity put/call 0.70

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +3%

above

Price vs 50-day avg −2%

below

RSI (14) 47

neutral

MACD trend Positive

52-week position 65%

mid-range

Momentum

relative strength

Strong

1-month return −4%

trailing

6-month return +20%

trailing

YTD return −1%

this year

Relative strength +6%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $9 › 200d $9 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +8 funds added

Insider flow Distributing

Net -$1.3M over 90 days · 100% sells

Short interest Rising

0.69% of float · ▲ +8.7% MoM · 9.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

63 holders — near 3-yr high, broad support

Squeeze score 60

elevated · 0–100

Fundamentals

Excellent

Revenue growth +10%

Y/Y

EPS growth +1%

Y/Y

Free cash flow $288.3M

Valuation P/E 10.2

below peers

Balance sheet $4.9M

net debt

Quant / Vol

risk profile

Moderate

Volatility 42%

annualized · 1-yr

Max drawdown −22%

past year

ATR 3.1%

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 Buy

0 · 4 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+3% Bullish

Price vs 50-day avg

−2% Neutral

RSI (14)

47 Neutral

MACD trend

Positive Bullish

52-week position

65% Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $9 › 200d $9 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +8 funds added

Insider flow Distributing

Net -$1.3M over 90 days · 100% sells

Short interest Rising

0.69% of float · ▲ +8.7% MoM · 9.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

63 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $7 Now $9 · 65% Range high $10

vs 200-day avg +3% 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	$203.05M	-1.1%	+10.4%	10.2	0.7%
V Visa Inc.	$680.94B	+8.2%	-4.9%	—	1.2%
MA Mastercard Inc	$521.49B	+3.2%	+16.4%	32.7	0.8%
AXP American Express Co	$222.97B	-10.8%	+13.4%	20.1	1.6%
COF Capital One Financial Corp	$134.21B	-11.5%	+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: -79.7K sh
Top holder: Black Diamond Capital Man…

Held Float

View

Held by Funds

Fund positions

110

View

Short & Settlement

Short Interest Rising

Shares short

149.4K

Days to cover: 9.3d
Change: +12.0K sh

View

Short Volume

Short vol %

67%

As of: Aug 31, 2026

Short Total

View

Fails to Deliver

FTD shares

625

Value: $5.8K
As of: Aug 11, 2026

View

Off-Exchange

Off-exchange %

57.2%

Week of: Jul 27, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$1.3M

Buyers / Sellers: 0 / 3

Buyers Sellers

View

Financials

Revenue (FY)

$434.5M

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

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 25, 2026
This year: 19

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	+0.8%	-3.9%	+19.6%	-1.0%	-1.1%
SPY	+0.5%	+1.2%	+13.3%	+2.7%	+12.5%
vs SPY	+0.3%	-5.1%	+6.3%	-3.7%	-13.6%

Key facts CIK 889609 CUSIP 210502100 13F (30d) 54 filings 54 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