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CONSUMER PORTFOLIO SERVICES INC (CPSS)

Financials · Specialty Finance / Consumer Lending · NASDAQ

A specialty finance company providing sub-prime indirect auto loans by purchasing retail installment contracts from dealerships.

What CONSUMER PORTFOLIO SERVICES INC does

Consumer Portfolio Services is an independent specialty finance company that provides indirect automobile financing to individuals with limited credit histories or past credit problems. The company primarily purchases and services retail installment sales contracts from franchised and independent automobile dealers, with a focus on late-model used vehicles. It finances these activities primarily through asset-backed securitizations and warehouse credit facilities.

Recent developments

In the second quarter of 2026, the company achieved record loan origination volume of $757.7 million, a 75% increase year-over-year. As of June 30, 2026, the company's total managed portfolio exceeded $4.3 billion.

From CONSUMER PORTFOLIO SERVICES INC's filing of 2026-08-07.

Themes: sub-prime auto finance, securitization, consumer lending, auto retail supply chain

Fundamentals

  • Price$9.42 as of 2026-10-08 close
  • Market cap$203M as of 2026-07-24 (share count; price 2026-10-08)
  • 1-year return+19.8% 2025-10-08 close $7.86 → 2026-10-08 close $9.42
  • P/E11.15 as of 2026-10-08
  • Net margin+4.4% FY2025, SEC XBRL
  • ROE+6.2% FY2025, SEC XBRL
  • Debt / equity11.67 as of 2026-09-03
  • Revenue growth (YoY)+12.3% as of 2026-09-03
  • Revenue CAGR (3y)+9.6% SEC XBRL
  • Beta0.47 as of 2026-09-03
  • Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)

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How CPSS compares in its sector

  • price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
  • net profit marginbottom 25% 344 covered Financials peers, as of 2026-09-03
  • return on equitybottom 25% 559 covered Financials peers, as of 2026-09-03
  • 3-year revenue CAGRmiddle range 347 covered Financials peers
  • free cash flow (absolute dollars, latest fiscal year)middle range 430 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.

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How CONSUMER PORTFOLIO SERVICES INC looks technically

CONSUMER PORTFOLIO SERVICES INC (CPSS) is trading 4.5% 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 101 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 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 53, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day high about 16 trading days ago. Trading volume is unusually light — only about 40% of its 30-day average.

Trend

8
Distance from the 200-dayit is trading 4.5% above its 200-day average, the long-term trend line — a longer-term uptrend+4.5%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $9.33$9.33
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $9.01$9.01
Swing structureits 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 swingsmixed — one of the two is not confirming
Last swing turnits last significant turn was a swing low 35 calendar days ago — the swings before that are what the structure reading is measured on35 sessions
Since the 50/200 crossits 50-day average crossed above its 200-day average about 101 trading days ago — a "golden cross", a bullish long-term signal101 sessions
Above the 200-day after a dipit recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 4.5% above+4.5%
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend)17.2

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 53, neither overbought (above 70) nor oversold (below 30)52.7
Position in its 14-day rangeit is trading in the upper half of its 14-day range ($8.83 to $9.70) — its "stochastic" reading is 68 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.67.8
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive)1 session

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $10.49$10.49
From the 52-week highit is 10.2% below its 52-week high (its highest price of the past year)-10.2%
Above the 52-week lowit is 27.5% above its 52-week low (its lowest price of the past year)+27.5%
Below the 52-week highit is 10.2% below its highest point of the past year10.2%
Since a 20-day breakoutit made a new 20-day high about 16 trading days ago16 sessions
Since a 55-day breakoutit made a new 55-day low about 25 trading days ago25 sessions
All-time highits highest closing price on record is $15.47 (set on 2022-05-09)$15.47
Given back of the 52-week moveover the past year its closes ranged ($7.39 to $10.30), and it has given back roughly a third of its rise from last year’s low — 30% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $8.41 to $8.50. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.30.2%
From the all-time highit is 39.1% below its all-time high-39.1%
Nearest price levelit is trading 1.9% 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 2024-10-08 it has 8 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.-1.9%
All-time lowits lowest closing price on record is $0.25 (set on 2009-02-20)$0.25
Above the all-time lowit is 3668.0% above its all-time low+3,668%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are about average versus its own recent 6-month history44th percentile
Typical daily rangein a typical session it travels about $0.3733 between its high and its low — about 4.0% 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$0.3733
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $8.91 and $9.78 — 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$8.91 – $9.35 – $9.78
Typical daily range (% of price)its price moves about 4.0% 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 price4.0%
Stretch from the 200-day averageit is trading 1.1 daily ranges above its 200-day average price (4.6% 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 scale1.1 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is unusually light — only about 40% of its 30-day average0.40×

Candlestick patterns

2
Since a doji6 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 level6 sessions ago
Since a bullish engulfing1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it1 session ago

Price gaps

2
Gap at the openit opened on 2026-10-08 1.5% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close-1.5%
Gap filleda 3.0% gap down opened on 2026-10-01 has been "filled" 5 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it5 sessions ago

Price streaks

1
Closing streakit closed lower in its latest session, after a session that did not close lower — a single down day rather than a run1 session down

Relative strength

4
vs market, 1 monthover the past 1 month this stock beat the market by 2.8 percentage points (the stock gained 3.9% while the market gained 1.0%)+2.8%
vs market, 3 monthsover the past 3 months this stock lagged the market by 1.3 percentage points (the stock gained 2.5% while the market gained 3.8%)-1.3%
vs market, 6 monthsover the past 6 months this stock beat the market by 4.3 percentage points (the stock gained 21.7% while the market gained 17.5%)+4.3%
vs market, 12 monthsover the past 12 months this stock beat the market by 4.9 percentage points (the stock gained 19.8% while the market gained 15.0%)+4.9%

Signal agreement

2
Bullish technical signals5 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, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast5 of 9
Bearish technical signals0 of the 9 technical signals we can compute for it are currently in a bearish state — these describe past price behaviour, not a forecast0 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 0.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.1% of the share price, which is taken to mean a barrier that gives way easily.+0.3%

Volume-weighted price

2
Vs this year’s average price paidthe price is 3% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $9.12 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP.+3.3%
Vs the average paid since it last reportedthe price is 2% 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 $9.21 — a volume-weighted average of daily closes over 145 sessions, not a true tick-by-tick VWAP.+2.3%

Double bottom, bullish — forming · entry $9.64 · 57 sessions in

Price levels it has turned at before

CPSS last closed at $9.42 on 2026-10-08. Since 2024-10-08 it has turned at 8 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$9.24Support1.9% below the last closeturned there four times · 2025-03-25 to 2026-08-04
$9.64Resistance2.3% above the last closeturned there 10 times · 2024-10-31 to 2026-09-02
$9.04Support4.1% below the last closeturned there four times · 2025-09-15 to 2026-08-25
$9.96Resistance5.7% above the last closeturned there 7 times · 2024-10-17 to 2026-06-26
$8.79Support6.6% below the last closeturned there six times · 2025-08-13 to 2026-10-01
$10.25Resistance8.8% above the last closeturned there four times · 2024-12-23 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

No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.

Read from daily closes as of 2026-10-08.

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.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Key risks (from latest filing)

["Significant reliance on securitization markets and warehouse credit facilities to fund operations and maintain liquidity.","High exposure to credit risk due to the sub-prime nature of the customer base, potentially leading to higher delinquency and charge-off rates.","Substantial debt levels which limit financial flexibility and increase vulnerability to adverse economic conditions."]

See CPSS's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of CPSS's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Newer filing (2026-08-07) states the company also, to a lesser extent, originates loans directly to consumers for the refinancing of an existing loan from other lenders secured by an automobile; this refinancing activity is not mentioned in the older filing (2026-05-08).
    • Newer filing (2026-08-07) updates cumulative origination total to approximately $26.0 billion through June 30, 2026; older filing (2026-05-08) stated approximately $25.2 billion through March 31, 2026.
    • Newer filing (2026-08-07) adds a table row for six months ended June 30, 2026 showing contracts purchased of $1,290,886 thousand and managed portfolio at period end of $4,429,944 thousand.
    • Newer filing (2026-08-07) states the company has conducted 109 term securitizations since 1994; older filing (2026-05-08) stated 108.
    • Newer filing (2026-08-07) adds a table row for six months ended June 30, 2026 showing 2 term securitizations and receivables pledged of $878,835 thousand.
    • Newer filing (2026-08-07) discloses that as of June 30, 2026 short-term funding capacity was $725.0 million over two credit facilities.
    • Newer filing (2026-08-07) discloses that on April 3, 2026, the company amended its two-year revolving credit agreement with Capital One, N.A., increasing facility capacity from $167.5 million to $390 million, with a two-year revolving period to October 2027 and optional amortization period through April 2029.
    • Newer filing (2026-08-07) adds disclosure that in March 2026 the company completed a $50 million securitization of residual interests from previously issued securitizations.
  • Removed:
    • Older filing (2026-05-08) included a table row for three months ended March 31, 2026 showing contracts purchased of $533,220 thousand and managed portfolio at period end of $4,058,335 thousand; this row is replaced in the newer filing (2026-08-07) by a six-month row.
    • Older filing (2026-05-08) included a table row for three months ended March 31, 2026 showing 1 term securitization and receivables pledged of $352,664 thousand; this row is replaced in the newer filing (2026-08-07) by a six-month row.
    • Older filing (2026-05-08) disclosed short-term funding capacity of $702.5 million over three credit facilities, including details of the Ares Agent Services facility and the July 2024 renewal of the first credit facility; these facility details are omitted from the newer filing (2026-08-07).
    • Older filing (2026-05-08) disclosed that the October 2025 facility had a two-year revolving period to October 2027 with optional amortization period through April 2029 at an amount of $167.5 million; the newer filing (2026-08-07) instead describes the amended capacity of that facility.
  • Reworded:
    • Newer filing (2026-08-07) changes the inception-to-date origination reference point from March 31, 2026 to June 30, 2026, and the corresponding dollar amount from approximately $25.2 billion to approximately $26.0 billion.
    • Newer filing (2026-08-07) changes the as-of date for active securitizations from March 31, 2026 to June 30, 2026, while continuing to state 19 active securitizations.
    • Newer filing (2026-08-07) replaces the description of three credit facilities and $702.5 million capacity with a description of two credit facilities and $725.0 million capacity.
    • Newer filing (2026-08-07) replaces the description of the October 2025 $167.5 million facility with a description of the facility as amended in April 2026 to $390 million.
  • Notes:
    • The newer MD&A excerpt is truncated mid-sentence in the final paragraph describing the March 2026 residual interest securitization.
    • Comparison is limited to the MD&A sections provided; other sections of the two filings were not reviewed.

Risk Factors

  • Added:
    • Newer filing (2026-08-07): states 'we have offered renewable subordinated notes to the public on a continuous basis, and such notes have maturities that range from six months to 10 years' (replacing older text about the notes, see wording changes).
    • Newer filing (2026-08-07): adds exhibit 10.1.1, 'First Amendment to Loan and Security Agreement dated April 3, 2026, amongst registrant, Page Eleven Funding LLC, Computershare Trust Company, N.A., and Capital One, National Association' with note that certain portions omitted pursuant to Item 601(b)(10).
  • Removed:
    • Older filing (2026-05-08): included only exhibit 10.1.0, 'Auto Receivables Trust 2026-A Purchase Agreement dated January 1, 2026, between registrant and CPS Receivables Five LLC' in the exhibit list; this is removed/replaced in the newer filing by exhibit 10.1.0 for Auto Receivables Trust 2026-B.
  • Reworded:
    • Newer filing (2026-08-07): changes total debt outstanding from approximately $3,668.2 million at March 31, 2026 to approximately $4,008.3 million at June 30, 2026.
    • Newer filing (2026-08-07): changes securitization trust debt from $2,992.2 million at March 31, 2026 to $3,131.1 million at June 30, 2026.
    • Newer filing (2026-08-07): changes warehouse lines of credit debt from $467.1 million at March 31, 2026 to $679.9 million at June 30, 2026.
    • Newer filing (2026-08-07): changes increase in securitization trust debt since December 31, 2025 from $5.6 million to $144.5 million.
    • Newer filing (2026-08-07): changes increase in warehouse lines of credit debt since December 31, 2025 from $142.3 million to $355.0 million.
    • Newer filing (2026-08-07): changes subordinated renewable notes outstanding at quarter end from $27.5 million at March 31, 2026 to $28.5 million at June 30, 2026.
    • Newer filing (2026-08-07): changes residual interest debt outstanding from $181.4 million at March 31, 2026 to $168.8 million at June 30, 2026.
    • Newer filing (2026-08-07): changes repurchase table period from three months ended March 31, 2026 to three months ended June 30, 2026; monthly periods now April, May, June 2026 with 231,134 total shares repurchased at average $9.68 (older: January, February, March 2026, 126,622 shares at average $8.57).
    • Newer filing (2026-08-07): adds to exhibit 10.1.0 description 'Auto Receivables Trust 2026-B Purchase Agreement dated April 1, 2026, between registrant and CPS Receivables Five LLC ** (filed herewith)' versus older 'Auto Receivables Trust 2026-A Purchase Agreement dated January 1, 2026, between registrant and CPS Receivables Five LLC **'.
    • Newer filing (2026-08-07): in exhibit list note for 4.14, changes 'long-term debt of certain consolidated subsidiaries' to 'long-term debt of certain consolidated subsidiaries of the registrant' and adds '(17 CFR 229.601)' (older had that citation).
    • Newer filing (2026-08-07): signature date changes from May 8, 2026 to August 07, 2026.
  • Notes:
    • The provided text includes sections beyond Risk Factors (Items 2, 5, 6 and Signatures), so certain reported changes are outside the Risk Factors section itself.
    • Older filing's exhibit 10.1.0 lacked '(filed herewith)' and the newer filing includes it; this is captured as wording change.

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.

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Insider activity (SEC Form 4)

0 open-market purchases and 5 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.

  • Last 90 days · read to 2026-10-040 buys · 5 sells ($1M) — 3 selling insiders
  • Last 180 days · read to 2026-10-040 buys · 6 sells ($1M) — 3 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-09-01. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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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)

5 institutional 13F filers reported holding CPSS as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 1,248,466
  • Reported value $11,979,031

reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 3 increased, 1 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.

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Short interest (FINRA)

CPSS had 160,999 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

CPSS had 0.75% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.29 days to cover at the same settlement.

  • Reported short interest (shares) 160,999
  • Short interest (% of shares outstanding) 0.75%
  • Prior settlement (shares) 162,033
  • Reported change -0.64%
  • Days to cover (reported) 5.29

Reported to FINRA as of the 2026-09-15 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.

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Competitors & peers

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 an independent specialty finance company that provides indirect automobile financing to individuals with limited credit histories or past credit problems. The company primarily purchases and services retail installment sales contracts from franchised and independent automobile dealers, with a focus on late-model used vehicles. It finances these activities primarily through asset-backed securitizations and warehouse credit facilities.

What sector is CONSUMER PORTFOLIO SERVICES INC (CPSS) in?

CONSUMER PORTFOLIO SERVICES INC (CPSS) is classified in the Financials sector. Its industry is Specialty Finance / Consumer 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, Capital One, Credit Acceptance Corp and CarMax. 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 53, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on CPSS come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.