CPSS

Consumer Portfolio Service Inc

9.40

Sep 04 • 3:59 PM ET +0.59 (6.70%)

9.40

Aftermarket • 4:15 PM ET 0.00 (0.00%)

Financial Credit Services USA Micro NASD

Peers: HTT MFIN LX OPRT RM WRLD PRAA EZPW CACC ENVA

| Held by: VTI IWM BSVO DFAT DFMC VXF IWN AVUV VTWO BUSM

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Index	RUT
Market Cap	202.62M
Enterprise Value	4.05B
Income	21.61M
Sales	451.55M
Book/sh	14.78
Cash/sh	8.36
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	913
IPO	Oct 22, 1992

P/E	10.30
Forward P/E	-
PEG	-
P/S	0.45
P/B	0.64
P/C	1.12
P/FCF	0.58
EV/EBITDA	14.74
EV/Sales	8.97
Quick Ratio	2.37
Current Ratio	2.37
Debt/Eq	12.62
LT Debt/Eq	12.61
Option/Short	Yes / Yes

EPS (ttm)	0.91
EPS next Y	-
EPS next Q	-
EPS this Y	-
EPS next Y	-
EPS next 5Y	-
EPS past 3/5Y	-37.16% -2.33%
Sales past 3/5Y	10.82% 7.31%
EPS Y/Y TTM	9.36%
Sales Y/Y TTM	11.35%
EPS Q/Q	33.77%
Sales Q/Q	13.70%
Earnings	Aug 04 AMC
EPS/Sales Surpr.	- -

Insider Own	59.16%
Insider Trans	-1.27%
Inst Own	22.08%
Inst Trans	-0.45%
ROA	0.53%
ROE	6.94%
ROIC	0.50%
Gross Margin	99.81%
Oper. Margin	60.69%
Profit Margin	4.79%
SMA20	1.11%
SMA50	0.54%
SMA200	5.13%
Trades

Shs Outstand	21.60M
Shs Float	8.80M
Short Float	1.70%
Short Ratio	6.77
Short Interest	0.15M
52W High	10.49 -10.39%
52W Low	7.15 31.47%
Volatility	7.59% 3.91%
ATR (14)	0.44
RSI (14)	51.96
Beta	1.14
Rel Volume	1.19
Avg Volume	22.06K
Volume	26,210

Perf Week	-0.21%
Perf Month	-1.78%
Perf Quarter	-0.32%
Perf Half Y	17.50%
Perf YTD	0.75%
Perf Year	27.03%
Perf 3Y	-0.11%
Perf 5Y	72.16%
Perf 10Y	144.16%
Recom	1.00
Target Price	15.00
Prev Close	8.81
Price	9.40
Change %	6.70%

Date	Action	Analyst	Rating Change	Price Target Change
Apr-27-16	Reiterated	Compass Point	Neutral	$5.50 → $5
Mar-16-16	Downgrade	JMP Securities	Mkt Outperform → Mkt Perform
Feb-25-16	Downgrade	Compass Point	Buy → Neutral	$9 → $5.50
Jul-08-14	Initiated	Compass Point	Buy	$10
Apr-14-08	Reiterated	Salomon Smth Brny (old)	Outperform	$6 → $4
Feb-27-08	Reiterated	JMP Securities	Mkt Outperform	$9 → $6
Apr-20-07	Reiterated	Roth Capital	Buy	$9.75 → $9.50
Feb-20-07	Reiterated	Roth Capital	Buy	$9.50 → $9.75
Jan-31-07	Initiated	Jefferies & Co	Hold	$8
Jan-23-07	Initiated	Roth Capital	Buy	$9.50

Aug-18-26 01:38PM	CPS Announces $80.0 Million Securitization of Residual Interests (GlobeNewswire)
Aug-05-26 09:00PM	Consumer Portfolio Services Inc (CPSS) (Q2 2026) Earnings Call Highlights: Record Originations ... (GuruFocus.com)
Aug-04-26 04:15PM	CPS Announces Second Quarter 2026 Earnings (GlobeNewswire)
Aug-03-26 02:37PM	CPS to Host Conference Call on Second Quarter 2026 Earnings (GlobeNewswire)
Jul-22-26 01:34PM	CPS Announces $716.88 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
04:19PM	Loading…
Jul-09-26 04:19PM	CPS Announces Renewal And Capacity Increase Of Credit Facility (GlobeNewswire)
May-05-26 05:44PM	Consumer Portfolio Services: Q1 Earnings Snapshot (Associated Press)
04:15PM	CPS Announces First Quarter 2026 Earnings (GlobeNewswire)
Apr-22-26 12:52PM	CPS Announces $514.07 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Apr-06-26 01:59PM	CPS Announces Credit Facility Capacity Increase (GlobeNewswire)
Mar-11-26 07:00PM	Consumer Portfolio Services Inc (CPSS) Q4 2025 Earnings Call Highlights: Strategic Growth ... (GuruFocus.com)
08:30AM	Consumer Portfolio Services, Inc. Q4 2025 Earnings Call Summary (Moby)
Mar-10-26 04:34PM	Consumer Portfolio Services: Q4 Earnings Snapshot (Associated Press Finance) -6.65%
04:15PM	CPS Announces Fourth Quarter and Full Year 2025 Earnings (GlobeNewswire)
Mar-09-26 05:17PM	CPS to Host Conference Call on Fourth Quarter 2025 Earnings (GlobeNewswire)
01:51PM	Loading…
Mar-04-26 01:51PM	CPS Announces $50.0 Million Securitization of Residual Interests (GlobeNewswire)
Jan-27-26 04:00PM	CPS Announces $345.61 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire) +6.02%
Jan-13-26 08:00AM	CPS Announces New $900 Million Forward Flow Agreement (GlobeNewswire)
Nov-12-25 08:00AM	Black Diamond Announces Intent to Vote Against CPSS Equity Incentive Plan (Business Wire)
Nov-11-25 08:04PM	Consumer Portfolio Services Inc (CPSS) Q3 2025 Earnings Call Highlights: Navigating Growth ... (GuruFocus.com) -8.30%
Nov-10-25 04:15PM	CPS Announces Third Quarter 2025 Earnings (GlobeNewswire)
Nov-07-25 03:24PM	CPS to Host Conference Call on Third Quarter 2025 Earnings (GlobeNewswire)
Oct-23-25 04:05PM	CPS Announces $384.6 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
01:00PM	CPS Announces Closing of $167.5 Million Credit Facility (GlobeNewswire)
Aug-26-25 04:05PM	Consumer Portfolio Services to Present at the 2025 Gateway Conference on September 3rd (GlobeNewswire)
Aug-11-25 06:06PM	Consumer Portfolio Services: Q2 Earnings Snapshot (Associated Press Finance)
04:15PM	CPS Announces Second Quarter 2025 Earnings (GlobeNewswire)
Aug-08-25 01:18PM	CPS to Host Conference Call on Second Quarter 2025 Earnings (GlobeNewswire)
Jul-28-25 01:30PM	CPS Announces $418.33 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
May-14-25 05:40AM	Q1 2025 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
03:13AM	Loading…
03:13AM	Consumer Portfolio Services Inc (CPSS) Q1 2025 Earnings Call Highlights: Strong Revenue Growth ... (GuruFocus.com)
May-12-25 04:13PM	Consumer Portfolio Services: Q1 Earnings Snapshot (Associated Press Finance)
04:00PM	CPS Announces First Quarter 2025 Earnings (GlobeNewswire)
01:00PM	CPS Announces $419.95 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
May-09-25 03:06PM	CPS to Host Conference Call on First Quarter 2025 Earnings (GlobeNewswire) -5.36%
May-08-25 08:30AM	Consumer Portfolio Services Deploys AI-Powered Servicing Platform from Salient to Advance Collections Strategy (GlobeNewswire) +8.33%
Mar-20-25 04:05PM	CPS Announces $65.0 Million Securitization of Residual Interests (GlobeNewswire)
Feb-27-25 05:49AM	Q4 2024 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
02:20AM	Consumer Portfolio Services Inc (CPSS) Q4 2024 Earnings Call Highlights: Strong Loan ... (GuruFocus.com)
Feb-25-25 05:17PM	Consumer Portfolio Services: Q4 Earnings Snapshot (Associated Press Finance)
04:31PM	CPS Announces Fourth Quarter and Full Year 2024 Earnings (GlobeNewswire)
Feb-24-25 02:34PM	CPS to Host Conference Call on Fourth Quarter 2024 Earnings (GlobeNewswire)
Jan-22-25 04:35PM	CPS Announces $442.4 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Dec-19-24 02:34PM	CPS Announces Credit Facility Capacity Increase (GlobeNewswire)
Nov-04-24 08:30AM	Consumer Portfolio Services Partners with SentiLink to Enhance Fraud Prevention (GlobeNewswire)
Nov-02-24 06:22AM	Q3 2024 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
03:05AM	Consumer Portfolio Services Inc (CPSS) Q3 2024 Earnings Call Highlights: Revenue Growth Amid ... (GuruFocus.com)
Oct-31-24 04:47PM	Consumer Portfolio Services: Q3 Earnings Snapshot (Associated Press Finance)
04:30PM	CPS Announces Third Quarter 2024 Earnings (GlobeNewswire)
Oct-30-24 05:23PM	CPS to Host Conference Call on Third Quarter 2024 Earnings (GlobeNewswire)
Oct-09-24 03:36PM	Consumer Portfolio Services Inc (CPSS) Q2 2024 Earnings Call Highlights: Strong Loan ... (GuruFocus.com)
Oct-07-24 08:30AM	Consumer Portfolio Services Leverages Informed.IQ's Dealer Verify to Enhance Loan Processing, Increase Capture Rates, and Improve Dealer Experience (GlobeNewswire)
Sep-17-24 12:34PM	CPS Announces $416.82 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Sep-13-24 01:53AM	Insider Sale: CEO and 10% Owner Charles E. Bradley Jr. ... (GuruFocus.com)
Aug-06-24 04:05PM	Consumer Portfolio Services to Present at the 2024 Gateway Conference on September 4 (GlobeNewswire)
Jul-30-24 04:45PM	Consumer Portfolio Services: Q2 Earnings Snapshot (Associated Press Finance) -5.40%
04:30PM	CPS Announces Second Quarter 2024 Earnings (GlobeNewswire)
Jul-29-24 04:30PM	CPS to Host Conference Call on Second Quarter 2024 Earnings (GlobeNewswire)
Jul-16-24 10:00AM	Gateway Group Announces Preliminary Sponsors and Additional Presenting Companies for September Gateway Conference (GlobeNewswire) +9.50%
Jul-11-24 04:41PM	CPS Announces Renewal of $200 Million Credit Facility (GlobeNewswire) +7.68%
Jun-26-24 05:38PM	CPS Announces $436.31 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire) +6.82%
Jun-11-24 10:50AM	Sidoti Events, LLC's Virtual June Small-Cap Conference (ACCESSWIRE)
Jun-01-24 02:42AM	Insider Sale: Director Daniel Wood Sells Shares of Consumer Portfolio Services Inc (CPSS) (GuruFocus.com)
May-15-24 03:07AM	Consumer Portfolio Services Inc (CPSS) Q1 2024 Earnings Call Transcript Highlights: Navigating ... (GuruFocus.com) +8.35%
May-10-24 08:53PM	CPSS Stock Earnings: Consumer Pf Servs Reported Results for Q1 2024 (InvestorPlace) -5.52%
04:22PM	Consumer Portfolio Services: Q1 Earnings Snapshot (Associated Press Finance)
04:15PM	CPS Announces First Quarter 2024 Earnings (GlobeNewswire)
May-07-24 10:00AM	Gateway Group Announces Preliminary Presenting Companies for Gateway Conference in San Francisco on September 4-5, 2024 (GlobeNewswire)
Apr-23-24 01:16PM	CPS Announces $319.9 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Apr-03-24 11:38AM	Consumer Portfolio Services Appoints Gateway to Lead Expanded Investor Relations Program (GlobeNewswire)
Apr-01-24 04:04PM	CPS Announces Renewal of $200 Million Credit Facility (GlobeNewswire)
Mar-22-24 01:55PM	CPS Announces $50.0 Million Securitization of Residual Interests (GlobeNewswire)
Mar-19-24 09:14AM	Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Q4 2023 Earnings Call Transcript (Insider Monkey)
03:09AM	Q4 2023 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
Mar-18-24 07:31AM	Consumer Portfolio Services Inc Reports Mixed Results for Q4 and Full Year 2023 (GuruFocus.com)
Mar-15-24 02:32PM	Consumer Portfolio Services: Q4 Earnings Snapshot (Associated Press Finance)
02:00PM	CPS Announces Fourth Quarter and Full Year 2023 Earnings (GlobeNewswire)
Mar-14-24 05:00PM	CPS to Host Conference Call on Fourth Quarter 2023 Earnings (GlobeNewswire)
Jan-24-24 01:41PM	CPS Announces $280.9 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Nov-14-23 10:31AM	Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Q3 2023 Earnings Call Transcript (Insider Monkey)
01:57AM	Q3 2023 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
Nov-13-23 10:59AM	Consumer Portfolio Services Inc Reports Mixed Q3 2023 Results (GuruFocus.com)
Nov-09-23 06:25PM	Consumer Portfolio Services: Q3 Earnings Snapshot (Associated Press Finance)
04:10PM	CPS Announces Third Quarter 2023 Earnings (GlobeNewswire)
Oct-24-23 03:40PM	CPS Announces $286.1 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Aug-04-23 04:28AM	Q2 2023 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
Aug-02-23 06:26PM	Consumer Portfolio Services: Q2 Earnings Snapshot (Associated Press Finance) -8.53%
04:22PM	CPS Announces Second Quarter 2023 Earnings (GlobeNewswire)
Aug-01-23 08:19PM	CPS to Host Conference Call on Second Quarter 2023 Earnings (GlobeNewswire)
Jul-25-23 05:02PM	CPS Announces $291.7 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire) +5.79%
May-10-23 12:33PM	Owning 37% in Consumer Portfolio Services, Inc. (NASDAQ:CPSS) means that insiders are heavily invested in the company's future (Simply Wall St.)
Apr-28-23 03:33AM	Q1 2023 Consumer Portfolio Services Inc Earnings Call (Thomson Reuters StreetEvents)
Apr-27-23 05:50PM	CPS Announces $332.9 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
Apr-26-23 05:51PM	Consumer Portfolio Services: Q1 Earnings Snapshot (AP Finance)
04:31PM	CPS Announces First Quarter 2023 Earnings (GlobeNewswire)
Apr-25-23 04:52PM	CPS To Host Conference Call On First Quarter 2023 Earnings (GlobeNewswire)
Apr-13-23 12:02PM	Investors in Consumer Portfolio Services (NASDAQ:CPSS) have made a incredible return of 522% over the past three years (Simply Wall St.)
Mar-17-23 09:46AM	Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors (Simply Wall St.)
Mar-14-23 12:56PM	CPS to Host Conference Call on Fourth Quarter 2022 Earnings (GlobeNewswire)
Mar-09-23 04:30PM	CPS Announces Fourth Quarter And Full Year 2022 Earnings (GlobeNewswire) -8.37%

Consumer Portfolio Services, Inc. operates as an independent finance company. The firm provides indirect automobile financing to individuals with past credit problems, low incomes, and limited credit histories. It engages in purchase and service of retail automobile contracts originated primarily by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company was founded on March 8, 1991 and is headquartered in Las Vegas, NV.

CEO & ChairmanMr. Charles E. Bradley Jr.

PresidentMr. Michael T. Lavin

CFO & Executive VPMr. Denesh Bharwani

Secretary & Independent DirectorMr. Brian J. Rayhill

Executive Vice President of Sales & OriginationsMs. Teri L. Robinson

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Jackson Noel	Sr. Vice President	Sep 01 '26	Option Exercise	2.47	7,500	18,525	7,500	Sep 03 01:00 PM
Jackson Noel	Sr. Vice President	Sep 01 '26	Sale	9.31	7,500	69,825	0	Sep 03 01:00 PM
BRADLEY CHARLES E JR	CEO	Aug 26 '26	Sale	9.46	125,000	1,182,500	4,099,545	Aug 28 06:57 PM
Ralston Catrina Marie	Sr. Vice President	Aug 12 '26	Sale	9.50	3,617	34,362	68,262	Aug 14 02:31 PM
Ralston Catrina Marie	Sr. Vice President	Aug 10 '26	Sale	9.50	916	8,702	71,879	Aug 11 07:10 PM
Ralston Catrina Marie	Sr. Vice President	Aug 07 '26	Sale	9.50	467	4,436	72,795	Aug 11 07:10 PM
Lavin Michael T.	President	Aug 06 '26	Option Exercise	3.17	135,829	430,898	135,829	Aug 10 06:43 PM
Rayhill Brian	Director	Aug 06 '26	Option Exercise	3.53	30,000	105,900	262,385	Aug 10 03:30 PM
BRADLEY CHARLES E JR	CEO	Aug 05 '26	Option Exercise	3.53	300,000	1,059,000	4,224,545	Aug 07 07:21 PM
Bharwani Denesh	Exec. Vice President	Aug 05 '26	Option Exercise	3.53	60,000	211,800	361,881	Aug 07 07:20 PM
TERRY CHRIS	Exec. Vice President	Aug 05 '26	Option Exercise	3.53	60,000	211,800	296,999	Aug 07 12:23 PM
Baumeister Michele L	Sr. Vice President	Aug 04 '26	Option Exercise	3.53	30,000	105,900	93,899	Aug 05 07:15 PM
Reynoso Lisette	Sr. Vice President	Aug 03 '26	Option Exercise	3.53	5,000	17,650	7,636	Aug 05 07:03 PM
Robinson Teri	Exec. Vice President	Aug 03 '26	Option Exercise	3.53	60,000	211,800	60,000	Aug 05 06:42 PM
Ralston Catrina Marie	Sr. Vice President	Aug 03 '26	Option Exercise	3.53	30,000	105,900	85,721	Aug 05 06:42 PM
WOOD DANIEL S	Director	Jul 24 '26	Option Exercise	3.53	30,000	105,900	224,943	Jul 28 02:40 PM
Ryan Susan	Sr. Vice President	Jun 30 '26	Option Exercise	3.53	30,000	105,900	91,187	Jul 02 02:13 PM
Gonel Charles E.	Sr. Vice President	Jun 26 '26	Option Exercise	3.53	30,000	105,900	54,847	Jun 30 06:31 PM
Jackson Noel	Sr. Vice President	Jun 16 '26	Option Exercise	3.53	7,000	24,710	7,000	Jun 17 07:12 PM
Jackson Noel	Sr. Vice President	Jun 16 '26	Sale	9.63	7,000	67,406	0	Jun 17 07:12 PM
Schween Steven	Sr. Vice President	Apr 27 '26	Option Exercise	2.47	30,000	74,100	157,099	Apr 29 07:43 PM
Schween Steven	Sr. Vice President	Apr 07 '26	Option Exercise	3.53	30,000	105,900	127,099	Apr 09 04:59 PM
WOOD DANIEL S	Director	Mar 13 '26	Sale	7.53	20,000	150,600	194,943	Mar 17 07:08 PM
WOOD DANIEL S	Director	Mar 16 '26	Proposed Sale	7.53	20,000	150,600		Mar 16 09:36 AM
ROBERTS WILLIAM B	Director	Dec 04 '25	Sale	8.69	100,000	869,000	485,702	Dec 08 04:30 PM
Grasso Louis M	Director	Sep 22 '25	Option Exercise	2.47	20,000	49,400	25,300	Sep 24 09:00 PM
Jackson Noel	Sr. Vice President	Sep 16 '25	Option Exercise	2.47	9,369	23,141	9,369	Sep 17 07:18 PM
Jackson Noel	Sr. Vice President	Sep 16 '25	Sale	8.49	9,369	79,578	0	Sep 17 07:18 PM
Reynoso Lisette	Sr. Vice President	Sep 16 '25	Option Exercise	3.83	4,800	18,384	4,801	Sep 17 07:15 PM

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CPSS

Consumer Portfolio Service Inc

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