NASDAQ: CPSSConsumer Portfolio Services Inc Stock
$9.55+0.28 (+3.02%)
Updated Jul 28, 2026
CPSS Price
$9.55
Fair Value Price
N/A
Market Cap
$207.11M
52 Week Low
$6.67
52 Week High
$10.49
P/E
10.49x
P/B
0.66x
P/S
0.38x
PEG
3x
Dividend Yield
N/A
Revenue
$439.93M
Earnings
$20.17M
Gross Margin
78.8%
Operating Margin
60.55%
Profit Margin
4.6%
Debt to Equity
11.89
Operating Cash Flow
$299M
Beta
1.13
Next Earnings
Aug 10, 2026
Ex-Dividend
N/A
Next Dividend
N/A
CPSS Overview
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CPSS's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
B
CPSS
Ranked#17 of 48
Ranked#17 of 48
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $104.82 | A | |
| $30.04 | A | |
| $21.16 | A |
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CPSS News
Overview
Due Diligence Score
–
Industry Average (34)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CPSS scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CPSS ($9.55) is trading above its intrinsic value of $5.59, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CPSS is good value based on its earnings relative to its share price (10.49x), compared to the US market average (14.6x)
P/E vs Market Valuation
CPSS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more CPSS due diligence checks available for Premium users.
Valuation
CPSS price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.49x
Industry
30.35x
Market
14.6x
CPSS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CPSS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CPSS price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.66x
Industry
5.09x
CPSS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CPSS price to earnings growth (PEG)
For valuing profitable companies with growth potential
CPSS is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
CPSS's financial health
Profit margin
Revenue
$112.3M
Net Income
$5.5M
Profit Margin
4.9%
CPSS's Earnings (EBIT) of $266.40M... subscribe to Premium to read more.
Interest Coverage Financials
CPSS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.1B
Liabilities
$3.7B
Debt to equity
11.89
CPSS's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
CPSS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$83.8M
Investing
-$250.7M
Financing
$180.1M
CPSS's operating cash flow ($298.91M)... subscribe to Premium to read more.
Debt Coverage Financials
CPSS vs Credit Service Stocks
Consumer Portfolio Services Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.