CONSUMER PORTFOLIO SERVICES INC (CPSS)
Financials · Subprime auto finance · NASDAQ
A subprime auto finance company that buys dealer-originated contracts and securitizes them to fund lending to credit-challenged car buyers.
What CONSUMER PORTFOLIO SERVICES INC does
Consumer Portfolio Services is a specialty finance company that purchases and services retail automobile contracts originated by franchised and independent dealers for subprime customers with limited or past credit problems. The company provides indirect financing to customers who cannot obtain credit through traditional sources like banks or captive finance companies. It finances its operations through securitization of automobile contracts, funded by asset-backed securities sold to institutional investors.
Themes: ["Subprime auto financing"]
Fundamentals
- Price$9.18 as of 2026-07-09 close
- Market cap$200M as of 2026-07-10
- 1-year return-8.5% as of 2026-07-09 close
- P/E9.94 as of 2026-07-10
- Net margin+4.6% as of 2026-07-10
- Gross margin+45.7% as of 2026-07-10
- ROE+6.5% as of 2026-07-10
- Debt / equity11.67 as of 2026-07-10
- Revenue growth (YoY)+12.3% as of 2026-07-10
- Revenue CAGR (3y)+9.6% SEC XBRL
- Beta1.12 as of 2026-07-10
Key risks (from latest filing)
["Credit risk and delinquency rates on subprime automobile contracts due to customer credit quality and economic downturns"]
Competitors & peers
- Upland Brands (UPLD)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.