CONSUMER PORTFOLIO SERVICES INC (CPSS)
Financials · consumer finance / specialty lending · 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 installment contracts. The company provides indirect financing for consumers with limited credit histories or past credit issues, primarily through relationships with franchised and independent automobile dealers in the United States. It manages its portfolio by holding contracts as investments, often funding them through asset-backed securitizations, and provides servicing for its own portfolio and for certain third parties.
Themes: sub-prime auto lending, consumer credit, asset-backed securities (ABS), auto finance
Fundamentals
- Price$9.30 as of 2026-08-21 close
- Market cap$200M as of 2026-08-21
- 1-year return+12.5% 2025-08-21 close $8.27 → 2026-08-21 close $9.30
- P/E10.22 as of 2026-08-24
- Net margin+4.6% as of 2026-08-24
- Gross margin+45.7% as of 2026-08-24
- ROE+6.5% as of 2026-08-24
- Debt / equity11.67 as of 2026-08-24
- Revenue growth (YoY)+12.3% as of 2026-08-24
- Revenue CAGR (3y)+9.6% SEC XBRL
- Beta1.15 as of 2026-08-24
- Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)
How CPSS compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-24
- gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How CONSUMER PORTFOLIO SERVICES INC looks technically
CONSUMER PORTFOLIO SERVICES INC (CPSS) is trading 4.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 68 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative). It made a new 20-day high about 7 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 5% of the past ~6 months), which often precedes a bigger move. Trading volume is unusually light — only about 48% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 4.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +4.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $9.40 | $9.40 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $8.88 | $8.88 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 9.69. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 68 trading days ago — a "golden cross", a bullish long-term signal | 68 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend) | 11.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 48.5 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($9.07 to $9.69) — its "stochastic" reading is 37 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 37.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $10.49 | $10.49 |
|---|---|---|
| From the 52-week high | it is 11.3% below its 52-week high (its highest price of the past year) | -11.3% |
| Above the 52-week low | it is 39.4% above its 52-week low (its lowest price of the past year) | +39.4% |
| Below the 52-week high | it is 11.3% below its highest point of the past year | 11.3% |
| Since a 20-day breakout | it made a new 20-day high about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it is trading within its recent 55-day range, with no fresh breakout up or down | 0 sessions |
| All-time high | its highest closing price on record is $15.47 (set on 2022-05-09) | $15.47 |
| Given back of the 52-week move | over the past year its closes ranged ($7.28 to $10.30), and it has given back roughly a third of its rise from last year’s low — 33% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $8.34 to $8.43. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 33.1% |
| From the all-time high | it is 39.9% below its all-time high | -39.9% |
| Nearest price level | it is trading 0.7% above a support level at $9.24 — a price it turned at four times since 2025-03-25, most recently on 2026-08-04. Since 2024-08-21 it has 7 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.7% |
| All-time low | its lowest closing price on record is $0.25 (set on 2009-02-20) | $0.25 |
| Above the all-time low | it is 3620.0% above its all-time low | +3,620% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 5% of the past ~6 months), which often precedes a bigger move | 5th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2795 between its high and its low — about 3.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.2795 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $9.05 and $9.72 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $9.05 – $9.39 – $9.72 |
| Typical daily range (% of price) | its price moves about 3.0% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.0% |
| Stretch from the 200-day average | it is trading 1.5 daily ranges above its 200-day average price (4.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 48% of its 30-day average | 0.48× |
|---|
Candlestick patterns
2
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|---|---|
| Since a bearish engulfing | 5 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Gap filled | a 3.1% gap down opened on 2026-08-04 has been "filled" 6 sessions ago — price traded back through the level the gap left behind, and it took 7 sessions to close | 6 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +1.53% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.2 percentage points (the stock gained 2.1% while the market gained 2.3%) | -0.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 8.7 percentage points (the stock lost 5.6% while the market gained 3.1%) | -8.7% |
| vs market, 6 months | over the past 6 months this stock beat the market by 0.8 percentage points (the stock gained 11.8% while the market gained 11.1%) | +0.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 8.0 percentage points (the stock gained 12.5% while the market gained 20.5%) | -8.0% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.8% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.5% of the share price, which is taken to mean a barrier that gives way easily. | -0.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $9.08 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +2.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% above the average price paid since it last reported on 2026-03-10 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $9.19 — a volume-weighted average of daily closes over 112 sessions, not a true tick-by-tick VWAP. | +1.3% |
Price levels it has turned at before
CPSS last closed at $9.30 on 2026-08-21. Since 2024-08-21 it has turned at 7 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $9.24 | Support | 0.7% below the last close | turned there four times · 2025-03-25 to 2026-08-04 |
| $8.98 | Support | 3.5% below the last close | turned there four times · 2024-10-03 to 2026-07-07 |
| $9.63 | Resistance | 3.5% above the last close | turned there 9 times · 2024-10-31 to 2026-08-14 |
| $8.76 | Support | 5.8% below the last close | turned there four times · 2025-08-13 to 2026-07-20 |
| $9.96 | Resistance | 7.1% above the last close | turned there 8 times · 2024-09-10 to 2026-06-26 |
| $10.24 | Resistance | 10.1% above the last close | turned there five times · 2024-09-18 to 2026-05-19 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $9.69.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 1 trading day, since 2026-08-21.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Trading below the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Sensitivity to changes in interest rates and availability of warehouse credit facilities.","High reliance on securitization markets to fund long-term assets.","Credit risk associated with sub-prime consumer loan portfolios."]
What changed in the latest 10-Q
AI-assisted comparison of CPSS's 10-Q filed 2026-05-08 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-08) states: 'From inception through March 31, 2026, we have originated a total of approximately $25.2 billion of automobile contracts'
- Newer filing adds table showing 2025 full-year contracts purchased of $1,638,326 thousand and managed portfolio of $3,898,425 thousand
- Newer filing adds 'Three months ended March 31, 2026' row showing contracts purchased of $533,220 thousand and managed portfolio of $4,058,335 thousand
- Newer filing states: 'Since 1994 we have conducted 108 term securitizations' and 'As of March 31, 2026, 19 of those securitizations are active'
- Newer filing adds securitization table rows for 2024 and 'Three months ended March 31, 2026' (showing 1 securitization with $352,664 thousand pledged)
- Newer filing states: 'We currently have short-term funding capacity of $702.5 million over three credit facilities'
- Newer filing adds new paragraph: 'In October 2025, we entered into a new $167.5 million facility. This facility has a two year revolving period to October 2027, with an optional amortization period through April 2029.'
- Newer filing adds: 'In March 2026, the revolving period was extended to April 2026' for the Ares facility
- Newer filing adds: 'There was nothing outstanding under this facility at March 31, 2026' regarding the Ares facility
- Removed:
- Older filing (2025-11-10) stated: 'From inception through September 30, 2025, we have originated a total of approximately $24.3 billion of automobile contracts' - removed in newer filing
- Older filing included separate sentence about M&A acquisitions: 'In addition, we acquired a total of approximately $822.3 million of automobile contracts in mergers and acquisitions in 2002, 2003, 2004 and 2011' - consolidated into overview in newer filing
- Older filing included paragraph about third-party program: 'In May 2021 we began purchasing some contracts for immediate sale to a third-party...' - removed from newer filing section
- Older filing table included 2019 and 2020 rows - removed in newer filing
- Older filing stated: 'Since 1994 we have conducted 106 term securitizations' and 'As of September 30, 2025, 18 of those securitizations are active' - updated in newer filing
- Older filing securitization table included 2019 row and 'Nine months ended September 30, 2025' row - replaced in newer filing
- Older filing stated: 'We currently have short-term funding capacity of $535 million over two credit facilities' - updated in newer filing
- Older filing contained detailed description of first facility renewal and subordinated lender addition in November 2024 - simplified in newer filing
- Older filing stated Ares facility 'was most recently renewed in March 2024' without mention of March 2026 extension - updated in newer filing
- Reworded:
- Newer filing updates period references from 'September 30, 2025' (older) to 'March 31, 2026' (newer) throughout the section
- Newer filing simplifies description of first credit facility by removing reference to 'Citibank, N.A.' and details about subordinated lender addition
- Newer filing changes phrasing of securitization conduct description: older stated 'As of September 30, 2025, 18 of those securitizations are active' versus newer 'As of March 31, 2026, 19 of those securitizations are active'
- Notes:
- Newer filing text appears truncated at end ('In addition, from time to time, we have also complet'); older filing text also truncated ('bear the risk of loss on repossession and resa'). Comparison limited to complete passages.
- The removal of the third-party program paragraph may reflect editorial changes rather than substantive business changes.
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($67407) — 1 selling insider
- Last 180 days0 buys · 2 sells ($218007) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-16. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CPSS's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding CPSS as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,187,543
- Reported value $9,179,706
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CPSS had 137,354 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CPSS had 0.64% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.63 days to cover at the same settlement.
- Reported short interest (shares) 137,354
- Short interest (% of shares outstanding) 0.64%
- Prior settlement (shares) 137,261
- Reported change 0.07%
- Days to cover (reported) 6.63
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Ally Financial (ALLY)
- Santander Consumer USA (SC)
- Credit Acceptance Corporation (CACC)
- Capital One (COF)
- Wells Fargo (WFC)
- CarMax (KMX)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does CONSUMER PORTFOLIO SERVICES INC (CPSS) do?
Consumer Portfolio Services is a specialty finance company that purchases and services retail automobile installment contracts. The company provides indirect financing for consumers with limited credit histories or past credit issues, primarily through relationships with franchised and independent automobile dealers in the United States.
What sector is CONSUMER PORTFOLIO SERVICES INC (CPSS) in?
CONSUMER PORTFOLIO SERVICES INC (CPSS) is classified in the Financials sector. Its industry is consumer finance / specialty lending. It trades on NASDAQ.
Who are CONSUMER PORTFOLIO SERVICES INC's (CPSS) competitors?
Notable peers of CONSUMER PORTFOLIO SERVICES INC (CPSS) include Ally Financial, Santander Consumer USA, Credit Acceptance Corporation, Capital One and Wells Fargo. This peer set is informational only — not financial advice.
Is CONSUMER PORTFOLIO SERVICES INC (CPSS) overbought or oversold right now?
CONSUMER PORTFOLIO SERVICES INC (CPSS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CPSS come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.