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NASDAQ · Credit Services · USD

Consumer Portfolio Services, Inc. (CPSS) Stock Analysis

Consumer Portfolio Services, Inc. (CPSS) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

CPSS

$8.97

$0.00 (0.00%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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CPSS Key Statistics

As of Oct 21, 2026
Trading
Open
$8.98
Previous Close
$8.97
Day's Range
8.91–9.03
52-Week Range
7.39–10.49
Volume
14.39K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.14
Valuation
Market Cap
$196.49M
P/E Ratio
9.86
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.19
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
0.93
EPS (ttm)Profit attributable to each share over the last twelve months.
0.91
Financials (FY)
Revenue (FY)
$202.45M+0.10%
Net Income (FY)
$19.33M+0.64%
Profit marginThe share of revenue left as profit after all costs and taxes.
10.20%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
21.91M
1-Year Return
+21.38%
Dividend and dates
Earnings Date
November 9, 2026
Avg Volume
23.65K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, CPSS closed at $8.97, +21.38% over 1 year.

Consumer Portfolio Services, Inc. (CPSS) has a market capitalization of $196.49M.

In fiscal 2025, CPSS reported revenue of $202.45M.

CPSS Stock Return by Calendar Year

Consumer Portfolio Services, Inc. (CPSS) 10-year return: what $10,000 became

1 year
$10,000 $12,138
+21.38%
5 years
$10,000 $14,398
+43.98%
10 years
$10,000 $20,479
+104.79%

If you had invested $10,000 in Consumer Portfolio Services, Inc. (CPSS) 10 years ago, at the close on October 21, 2016, it would have been worth $20,479 at the close on October 21, 2026: +104.79% in total, +7.43% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−3.86%
2025−14.09%
2024+15.90%
2023+5.88%
2022−25.32%
2021+179.48%
2020+25.82%
2019+11.96%
2018−27.47%
2017−18.95%
2016 (partial year)+21.04%

As of October 21, 2026.

CPSS Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$202.45M$19.33M9.5%
2024$202.25M$19.20M9.5%
2023$205.38M$45.34M22.1%
2022$242.19M$85.98M35.5%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$202.45M——$19.33M9.5%
2024$202.25M——$19.20M9.5%
2023$205.38M——$45.34M22.1%
2022$242.19M——$85.98M35.5%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CPSS Valuation vs Credit Services Median

Median of 56 stocks
MetricCPSSCredit Services medianvs median
P/E9.8610.9110% below
P/S ratio0.931.5038% below
Profit margin10.20%9.89%0.3 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Consumer Portfolio Services, Inc. (CPSS) is capitalised at $196.49M on the latest close. The company sits in the Financial Services sector, in the Credit Services industry. Headcount on file is 994.

The 52-week range on file runs from $7.39 to $10.49. CPSS last closed at $8.97 on October 21, 2026. The close was unchanged from the previous session. The latest close sits 21.38% above that 52-week low.

Financial Health

In fiscal 2025, Consumer Portfolio Services, Inc. reported revenue of $202.45M. That is +0.10% against the prior fiscal year, when revenue was $202.25M. Net income for the same year was $19.33M. That is +0.64% against the prior fiscal year. The reported profit margin is 10.2%. That is 0.3 percentage points above the Credit Services median of 9.89%. Trailing earnings per share are 0.91.

Across the 4 fiscal years on file, revenue moves from $242.19M in 2022 to $202.45M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 9.86 times earnings. That is 9.62% below the Credit Services median of 10.91. The forward P/E on file is 6.19. The price-to-sales ratio is 0.93. On price-to-sales that is 38.07% below the Credit Services median of 1.5. The medians here are taken across 56 Credit Services companies that report the metric.

The reported beta is 1.14. Daily returns over the trailing 10 years annualize to a volatility of 62.9%. Over the trailing twelve months the total return is +21.38%. Across 10 years the annualized return works out at +7.43%.

Growth & Income

The record shows no dividend for CPSS.

So far in 2026 the total return is −3.86%. The strongest complete calendar year on file is 2021 at +179.48%; the weakest is 2018 at −27.47%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

Consumer Portfolio Services, Inc. (CPSS) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Consumer Portfolio Services, Inc. CPSS $196.49M 9.9
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Consumer Portfolio Services, Inc. trades at a P/E of 9.9.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Consumer Portfolio Services, Inc.

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.

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