CPSS$9.18
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Performance
Key Stats
AI CPSS Summary
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Powered by LiveAIOverall Analysis
HoldConsumer Portfolio Services, Inc. exhibits mixed signals. Its core business operates within a niche financial sector, but recent performance and valuation suggest a neutral stance. Long-term growth is contingent on market conditions and effective risk management.
Thematic
The company operates in the specialty finance sector, focusing on auto loan contracts for individuals with limited credit histories. While this addresses a specific market need, it is not currently aligned with major high-growth thematic trends.
Fundamental
Consumer Portfolio Services demonstrates a mixed financial profile. Profitability has declined significantly from prior years, and the company carries a substantial debt load relative to its market capitalization. However, it generates positive free cash flow.
Technical
The stock's technical indicators suggest weakness. It is trading below key moving averages, and momentum indicators are mixed to negative, indicating potential for further downside or a period of consolidation.
| Factor | Score |
|---|---|
| Fintech Disruption | 40 |
| Consumer Credit Demand | 60 |
| Regulatory Environment (Financial Services) | 30 |
| Economic Sensitivity | 40 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 50 |
| Growth | 30 |
| Balance Sheet Health | 20 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 20 |
| Momentum | 40 |
| Volume Confirmation | 50 |
| Support & Resistance | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 13.4 is lower than the industry average, suggesting potential undervaluation.
Solid Net Margin
The company maintains a net margin of 9.5% (TTM), indicating efficient conversion of revenue into profit.
Bearish Points (8)
Negative Medium-Term Performance
The stock has experienced significant declines over the last 1 month (-9.72%), 6 months (-22.49%), and year-to-date (-14.55%), indicating recent weakness.
Increasing P/E Ratio
The P/E ratio has increased from 2.3 in 2022 to 13.4 TTM, suggesting potential overvaluation or a change in market sentiment towards future earnings.
Calendar
July 2025
31
Next Earnings Date
H: $0.26
A: $0.26
L: $0.26
H: 109.63M
A: 109.63M
L: 109.63M
Profile
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. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
Seasonals
Price Target
15.00 USD
The 39 analysts offering 1 year price forecasts for CPSS have a max estimate of 15.00 and a min estimate of 15.00.