Consumer Portfolio Services, Inc. (CPSS)Financial Services | Credit Services | Las Vegas, United States | NasdaqGM
9.15 USD
-0.02
(-0.218%) ⇩
(Oct. 16, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 8:18 a.m. EDT
The investment case for Consumer Portfolio Services is severely compromised by a toxic balance sheet and a deteriorating long-term trajectory. While the company recently executed a record $716 million securitization, the underlying fundamentals reveal a precarious situation: debt-to-equity is an alarming 1,261%, and return on equity is a meager 6.9%. More critically, the multi-year price history shows a brutal reality check; despite a recent spike, the stock has suffered 19% year-over-year declines for the last two consecutive years, indicating that the market is actively punishing the business quality. The options market confirms this pessimism, with investors locking in deep downside protection months out, suggesting they expect further significant losses. With no dividend to provide income and a high risk of capital erosion, this appears to be a value trap where the low price reflects genuine structural weakness rather than a bargain opportunity. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.021124 |
| AutoTheta | 0.021643 |
| MSTL | 0.023111 |
| AutoETS | 0.024410 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 73% |
| H-stat | 1.68 |
| Ljung-Box p | 0.034 |
| Jarque-Bera p | 0.783 |
| Excess Kurtosis | -0.36 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 1261.021 |
| Revenue per Share | 9.667 |
| Market Cap | 200,432,432 |
| Trailing P/E | 10.05 |
| Forward P/E | 6.31 |
| Beta | 1.14 |
| Profit Margins | 10.20% |
| Website | https://www.consumerportfolio.com |
As of Oct. 10, 2026, 8:18 a.m. EDT: Speculators are heavily positioned for downside protection, with massive open interest in out-of-the-money puts expiring in April 2027 at strikes significantly below the current price. This 'naked put' positioning suggests a belief in a prolonged, deep decline rather than a temporary dip, while call activity remains negligible.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.17157495 |
| Address1 | 3,800 Howard Hughes Parkway |
| Address2 | Suite 1400 |
| All Time High | 18.25 |
| All Time Low | 0.25 |
| Ask | 12.28 |
| Ask Size | 2 |
| Audit Risk | 8 |
| Average Daily Volume10 Day | 25,650 |
| Average Daily Volume3 Month | 23,800 |
| Average Volume | 23,800 |
| Average Volume10Days | 25,650 |
| Beta | 1.137 |
| Bid | 6.3 |
| Bid Size | 2 |
| Board Risk | 9 |
| Book Value | 14.895 |
| City | Las Vegas |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 8 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 9.15 |
| Current Ratio | 3.089 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 9.25 |
| Day Low | 9.1 |
| Debt To Equity | 1,261.021 |
| Display Name | Consumer Portfolio Services |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,785,949,200 |
| Earnings Call Timestamp Start | 1,785,949,200 |
| Earnings Growth | 0.35 |
| Earnings Quarterly Growth | 0.3 |
| Earnings Timestamp | 1,785,873,600 |
| Earnings Timestamp End | 1,794,254,400 |
| Earnings Timestamp Start | 1,794,254,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 19.906 |
| Enterprise Value | 4,215,507,712 |
| Eps Forward | 1.45 |
| Eps Trailing Twelve Months | 0.91 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 9.3014 |
| Fifty Day Average Change | -0.15140057 |
| Fifty Day Average Change Percent | -0.016277181 |
| Fifty Two Week Change Percent | 17.157495 |
| Fifty Two Week High | 10.49 |
| Fifty Two Week High Change | -1.3400002 |
| Fifty Two Week High Change Percent | -0.12774073 |
| Fifty Two Week Low | 7.39 |
| Fifty Two Week Low Change | 1.7599998 |
| Fifty Two Week Low Change Percent | 0.23815964 |
| Fifty Two Week Range | 7.39 - 10.49 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 719,760,600,000 |
| Float Shares | 8,719,960 |
| Forward Eps | 1.45 |
| Forward P E | 6.310344 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 994 |
| Fullday Change | -0.029999733 |
| Fullday Change Percent | -0.32715085 |
| Fullday Price | 9.15 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 1.0 |
| Gross Profits | 211,772,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.39861 |
| Held Percent Institutions | 0.45330003 |
| Implied Shares Outstanding | 21,905,185 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Ir Website | http://ir.consumerportfolio.com/index.cfm |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 826,848,000 |
| Last Split Factor | 2:1 |
| Long Business Summary | 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. |
| Long Name | Consumer Portfolio Services, Inc. |
| Market | us_market |
| Market Cap | 200,432,432 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_326529 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 21,607,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 201,321,028 |
| Open | 9.18 |
| Operating Cashflow | 350,544,000 |
| Operating Margins | 0.15812999 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 949 753 6800 |
| Previous Close | 9.17 |
| Price Hint | 2 |
| Price To Book | 0.6143001 |
| Price To Sales Trailing12 Months | 0.94644946 |
| Profit Margins | 0.10203 |
| Quick Ratio | 2.968 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.020000458 |
| Regular Market Change Percent | -0.2181075 |
| Regular Market Day High | 9.25 |
| Regular Market Day Low | 9.1 |
| Regular Market Day Range | 9.1 - 9.25 |
| Regular Market Open | 9.18 |
| Regular Market Previous Close | 9.17 |
| Regular Market Price | 9.15 |
| Regular Market Time | 1,792,180,801 |
| Regular Market Volume | 18,579 |
| Return On Assets | 0.00528 |
| Return On Equity | 0.06944 |
| Revenue Growth | 0.189 |
| Revenue Per Share | 9.667 |
| Sand P52 Week Change | 0.13723719 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 1 |
| Shares Outstanding | 21,905,185 |
| Shares Percent Shares Out | 0.0074 |
| Shares Short | 162,007 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 162,033 |
| Short Name | Consumer Portfolio Services, In |
| Short Percent Of Float | 0.0183 |
| Short Ratio | 5.37 |
| Source Interval | 15 |
| State | NV |
| Symbol | CPSS |
| Total Cash | 7,501,000 |
| Total Cash Per Share | 0.348 |
| Total Debt | 4,025,783,040 |
| Total Revenue | 211,772,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.91 |
| Trailing P E | 10.054944 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 9.0076 |
| Two Hundred Day Average Change | 0.14239979 |
| Two Hundred Day Average Change Percent | 0.015808849 |
| Type Disp | Equity |
| Volume | 18,579 |
| Website | https://www.consumerportfolio.com |
| Zip | 89,169 |