Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesConsumer Portfolio Services Inc

Consumer Portfolio Services Inc

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
10.17 USD 0.29 ( 2.94%)
Last update at 2026-11-06T21:00:00Z
VOLUME
15196
Market Cap
203.91M
P/E
10.51

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
9.78
Low
10.20
High
52 Week Price Range
7.30
Low
10.49
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Consumer Portfolio Services, Inc. acquires and services retail installment contracts, mainly indirect auto loans for non-prime borrowers. Growth may be supported by servicing scale, dealer-network expansion and access to securitization; investors may find the company attractive for niche exposure to higher-yield consumer credit and fee-based income.
Key risks include credit losses if borrower delinquencies or used-vehicle price declines accelerate, dependence on wholesale funding and securitization, regulatory and compliance exposure in consumer finance, and competitive pressure from banks and fintech firms.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
9.88
Dividend Yield
-
Revenue TTM
211.77M
Revenue Per Share
9.67
Gross Profit TTM
211.77M
Debt / Equity
11.33
ROE
6.94%
Net Debt
3500.92M
ROCE
6.74%
Diluted EPS TTM
0.90

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 28.00M 27.43M 61.10M 116.19M 65.75M
Net income 19.32M 19.20M 45.34M 85.98M 47.52M
Selling general administrative 52.87M 150.90M 138.15M 121.90M 115.15M
Selling and marketing expenses - 22.75M 21.22M 23.04M 16.88M
Gross profit 426.21M 207.56M 227.68M 234.65M 184.86M
Reconciled depreciation 0.88M 0.86M 1.05M 1.62M 1.68M
Ebit 259.15M 27.43M 61.10M 1616.38M 65.75M
Ebitda 260.03M 28.29M 61.94M 1618.00M 67.42M
Depreciation and amortization 0.88M 0.86M 0.85M 1.62M 1.68M
Operating income 260.03M 27.43M 61.10M 1616.38M 65.75M
Other operating expenses 167.94M 366.07M 290.92M 221.05M -126.83M
Interest expense 232.02M 191.26M 146.63M 87.52M 75.24M
Tax provision 8.68M 8.23M 17.27M 30.21M 18.22M
Interest income 429.20M 384.96M 331.65M 320.52M 261.85M
Net interest income 197.17M 193.71M 196.43M 233.00M 186.61M
Non recurring - - - 87.52M -
Income tax expense 8.68M 8.23M 15.75M 30.21M 18.22M
Total revenue 427.97M 393.51M 352.01M 242.19M 192.57M
Total operating expenses 166.18M 180.12M 166.59M 213.52M -126.83M
Cost of revenue 1.76M 185.95M 124.33M 7.54M 7.71M
Total other income expense net -232.02M - 12.23M -1500.19M -75.24M
Net income from continuing ops 19.32M 19.20M 52.29M 85.98M 47.52M
Net income applicable to common shares - - - 85.98M 47.52M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3858.19M 3501.43M 2906.12M 2752.77M 2159.58M
Other current assets -3656.38M -3456.15M -2872.90M 149.30M 146.62M
Total liab 3548.66M 3208.66M 2631.46M 2524.38M 1989.37M
Total stockholder equity 309.54M 292.77M 274.67M 228.39M 170.21M
Other current liab -65.24M -13.81M -7.20M -285.33M -105.61M
Common stock 24.43M 25.72M 28.68M 28.91M 55.30M
Capital stock 24.43M 25.72M 28.68M 28.91M 55.30M
Retained earnings 286.38M 267.06M 247.86M 202.51M 116.53M
Other assets 3851.86M 3501.43M 2896.22M 2728.45M 2126.25M
Cash 6.32M 137.40M 125.43M 13.49M 29.93M
Total current liabilities 14.27M 410.90M 7.20M 55.42M 105.61M
Net debt 3500.92M 3019.61M 2445.20M 2455.47M 1915.80M
Short term debt 14.27M 13.81M 7.20M 285.33M 105.61M
Short long term debt 324.87M 410.90M 234.03M 285.33M 105.61M
Short long term debt total 3507.24M 3157.01M 2570.63M 2468.96M 1945.72M
Other stockholder equity - - - -3.03M 170.21M
Property plant equipment - - - 1.66M 9.32M
Total current assets 6.32M 11.71M 6.17M 14.14M 32.20M
Long term investments - - - 2477.27M 1751.37M
Net tangible assets - - - 228.39M 170.21M
Net receivables 3656.38M 3318.75M 2747.35M 0.65M 2.27M
Long term debt 3158.54M 2720.05M 2332.51M 310.59M 1840.11M
Inventory - - 0.12M - -
Accounts payable 65.24M - - 55.42M 43.65M
Accumulated other comprehensive income -1.27M -0.01M -1.87M -3.03M -1.62M
Common stock total equity - - - 28.91M 55.30M
Retained earnings total equity - - - 202.51M 116.53M
Non currrent assets other -3656.38M -28.97M -6.67M -1.66M -19.57M
Non current assets total 0.02M 3482.16M 3.74M 10.18M 1.13M
Long term debt total - - - 310.59M 132.07M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -769.71M -423.13M -713.65M -114.71M
Change to liabilities - - - 10.36M 16.42M
Total cashflows from investing activities -590.12M -769.71M - -713.90M -115.36M
Net borrowings 352.35M 569.71M - 519.34M -23.00M
Total cash from financing activities 335.93M 547.92M 84.19M 484.21M -50.44M
Change to operating activities - - - 2.55M -3.79M
Net income 19.32M 19.20M 45.34M 85.98M 47.52M
Change in cash 34.81M 11.97M -37.36M -13.76M 32.40M
Begin period cash flow 137.40M 125.43M 162.79M 176.55M 144.15M
End period cash flow 172.21M 137.40M 125.43M 162.79M 176.55M
Total cash from operating activities 289.00M 233.75M 237.98M 215.93M 198.19M
Depreciation 0.88M 0.86M 0.85M 1.62M 1.68M
Other cashflows from investing activities -590.12M -769.71M - 1.90M 1.33M
Dividends paid - - 7.89M 15.28M 6.05M
Change to inventory - 0.12M - 1.90M 1.33M
Change to account receivables - - - 1.62M 2.75M
Sale purchase of stock -8.67M -12.83M -20.27M -46.10M -25.68M
Other cashflows from financing activities 335.93M -8.96M 183.66M 1599.87M 1145.70M
Change to netincome - - - -23.67M 126.50M
Capital expenditures 0.71M 0.43M 0.56M 2.15M 1.98M
Change receivables - - - 1.62M 2.75M
Cash flows other operating - - - 131.81M 143.59M
Cash and cash equivalents changes - - - -13.76M 32.40M
Change in working capital 0.77M -0.56M 12.95M 23.93M 15.38M
Stock based compensation 2.67M 2.96M 3.46M 4.43M 2.00M
Other non cash items 264.36M 208.57M 168.93M 90.57M 134.67M
Free cash flow 289.00M 233.32M 237.42M 213.78M 196.22M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CPSS
Consumer Portfolio Services Inc		 0.29
2.94%		 10.17 10.51 3.95 0.96 0.65 20.18
V
Visa Inc. Class A		 0.06
0.01%		 422.65 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 -3.22
0.49%		 652.70 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 -3.94
1.21%		 321.03 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -1.97
0.97%		 201.87 11.39 8.75 2.64 1.11 2.76

Profile*

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.

3800 Howard Hughes Parkway, Las Vegas, NV, United States, 89169

949 753 6800

https://www.consumerportfolio.com

994

Name Title Year Born
Mr. Charles E. Bradley Jr. CEO & Chairman 1960
Mr. Michael T. Lavin Pres, COO & Chief Legal Officer 1973
Ms. Teri L. Robinson Sr. VP of Sales 1963
Mr. Jeffrey P. Fritz Non-Exec. Adviser 1960
Ms. Laurie A. Straten Sr. VP of Servicing 1969
Mr. Brian J. Rayhill Sec. & Independent Director 1963
Mr. Denesh Bharwani CFO and Sr. VP of Fin. & Accounting 1968
Mr. Christopher Terry Sr. VP of Systems, Risk & IT 1968
Mr. John Patrick Harton Sr. VP of Program Devel. 1965
Mr. Michael T. Lavin President, COO & Chief Legal Officer 1973

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

ITH
CAD 2.15
+27.68%
HG
CAD 4.11
+19.13%
PPTA
CAD 27.74
+17.99%
UCU
CAD 2.10
+17.32%
GAU
CAD 3.49
+16.72%
TSU
CAD 29.67
-29.71%
PXT
CAD 19.73
-16.91%
LAS-A
CAD 230.50
-9.25%
IFP
CAD 13.50
-8.35%
NFI
CAD 24.01
-7.80%

Equity Sectors*

  • Basic Materials

    +3.74%

  • Communication Services

    +0.56%

  • Consumer Cyclical

    -0.34%

  • Consumer Defensive

    +0.11%

  • Energy

    +1.33%

  • Financial Services

    -0.26%

  • Healthcare

    +2.54%

  • Industrials

    -0.11%

  • Real Estate

    -0.23%

  • Technology

    +1.91%

  • Utilities

    +1.05%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…