CONSUMER PORTFOLIO SERVICES, INC.
CPSSNasdaq
$9.09
↓ -2.0%Jul 17 close · end-of-day
Price
1Y↓ -4.0%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$213.9M
Enterprise Value
$207.0M
P/E
10.7
P/S
0.5
P/B
0.7
EV/EBITDA
—
PEG
—
FCF Yield
139.3%
Dividend Yield
—
Revenue (TTM)
$439.9M
Net Income (TTM)
$20.2M
Free Cash Flow (TTM)
$297.9M
Gross Margin
—
Operating Margin
—
Net Margin
4.6%
ROE
6.4%
ROIC
—
Debt / Equity
—
Net Cash
$6.9M
Return 1Y
-3.0%
Company profile
Consumer Portfolio Services, Inc. offers indirect financing to customers of dealers with limited credit histories or past credit problems. It 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 captive finance companies. The company was founded in 1991 and is based in Las Vegas, Nevada.
- CEO
- Charles E. Bradley
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 740
- Headquarters
- California
- Website
- consumerportfolio.com
Management & directors
- Robinson TeriExec. Vice President
- Ryan SusanSr. Vice President
- Gonel Charles E.Sr. Vice President
- Jackson NoelSr. Vice President
- Schween Steven HowardSr. Vice President
- Bharwani DeneshExec. Vice President
- Reynoso LisetteSr. Vice President
Roles derived from SEC Form 4 filings.
Earnings
CPSS Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$112.3M↑ +5.1%
Diluted EPS$0.24↑ +26.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $271.2M | $267.8M | $329.7M | $352.0M | $393.5M | $434.5M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $21.7M | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M |
| Diluted EPS | $0.90 | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 |
| Operating cash flow | $238.8M | $198.2M | $215.9M | $238.0M | $233.8M | $289.0M |
| Free cash flow | $238.7M | $196.2M | $213.8M | $237.4M | $233.3M | $288.3M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 8.0% | 17.7% | 26.1% | 12.9% | 4.9% | 4.4% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $95.9M | $100.6M | $105.3M | $106.9M | $109.8M | $108.4M | $109.4M | $112.3M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $4.7M | $4.8M | $5.1M | $4.7M | $4.8M | $4.9M | $5.0M | $5.5M |
| Diluted EPS | $0.19 | $0.20 | $0.21 | $0.19 | $0.20 | $0.20 | $0.21 | $0.24 |
| Operating cash flow | $43.3M | $69.8M | $68.0M | $73.9M | $54.5M | $84.9M | $75.8M | $83.8M |
| Free cash flow | $43.1M | $69.7M | $67.9M | $73.4M | $54.3M | $84.9M | $75.7M | $83.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 4.9% | 4.8% | 4.9% | 4.4% | 4.4% | 4.5% | 4.6% | 4.9% |
Company news
Apr 22, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-03 | Robinson Teri· Exec. Vice President | Gift | 660 | $0.00 | $0.00 | filing |
| 2026-06-30 | Ryan Susan· Sr. Vice President | Tax withholding | 11,641 | $9.60 | $111,753.60 | filing |
| 2026-06-30 | Ryan Susan· Sr. Vice President | Option exercise | 30,000 | $3.53 | $105,900.00 | filing |
| 2026-06-26 | Gonel Charles E.· Sr. Vice President | Tax withholding | 11,095 | $10.00 | $110,950.00 | filing |
| 2026-06-26 | Gonel Charles E.· Sr. Vice President | Option exercise | 30,000 | $3.53 | $105,900.00 | filing |
| 2026-06-16 | Jackson Noel· Sr. Vice President | Sale | 7,000 | $9.63 | $67,406.50 | filing |
| 2026-06-16 | Jackson Noel· Sr. Vice President | Option exercise | 7,000 | $3.53 | $24,710.00 | filing |
| 2026-04-27 | Schween Steven Howard· Sr. Vice President | Option exercise | 30,000 | $2.47 | $74,100.00 | filing |
| 2026-04-09 | Robinson Teri· Exec. Vice President | Gift | 660 | $0.00 | $0.00 | filing |
| 2026-04-07 | Schween Steven Howard· Sr. Vice President | Option exercise | 30,000 | $3.53 | $105,900.00 | filing |
| 2026-03-13 | WOOD DANIEL S | Sale | 20,000 | $7.53 | $150,600.00 | filing |
| 2026-02-12 | Bharwani Denesh· Exec. Vice President | Gift | 9,000 | $0.00 | $0.00 | filing |
| 2026-01-07 | Robinson Teri· Exec. Vice President | Gift | 660 | $0.00 | $0.00 | filing |
| 2025-12-04 | ROBERTS WILLIAM B | Sale | 100,000 | $8.69 | $869,000.00 | filing |
| 2025-09-22 | Grasso Louis M | Option exercise | 20,000 | $2.47 | $49,400.00 | filing |
| 2025-09-16 | Jackson Noel· Sr. Vice President | Sale | 9,369 | $8.49 | $79,578.41 | filing |
| 2025-09-16 | Jackson Noel· Sr. Vice President | Option exercise | 9,369 | $2.47 | $23,141.43 | filing |
| 2025-09-16 | Reynoso Lisette· Sr. Vice President | Option exercise | 4,800 | $3.83 | $18,384.00 | filing |
| 2025-09-16 | Reynoso Lisette· Sr. Vice President | Tax withholding | 2,165 | $8.49 | $18,380.85 | filing |
| 2025-09-15 | ROBERTS WILLIAM B | D | 100,000 | $8.62 | $862,000.00 | filing |
| 2025-07-21 | Robinson Teri· Exec. Vice President | Gift | 660 | $0.00 | $0.00 | filing |
Latest 21 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.