Consumer Portfolio Services, Inc. (CPSS)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$9.88-2.56%
Close 2026-11-05 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · CPSS
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 1 guided quarters · -1.9% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
“Both the broadening of our dealership network and the deepening of relationships with existing dealers allows us to accelerate origination volume and capture market share, while remaining selective…
Stated in 2 of 3 supplied quarters. Management reported: ““Both the broadening of our dealership network and the deepening of relationships with existing dealers allows us to accelerate origination volume and capture market share, while remaining selective on the contracts we purchase.”” “The accelerating volume across both periods was driven by expanding our dealership base through strategic additions to our sales force, as well as enhancements that increased the speed and efficiency of contract underwriting and funding.” Revenue was $131.910 million in 2026-Q3.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
““Both the broadening of our dealership network and the deepening of relationships with existing dealers allows us to accelerate origination volume and capture market share, while remaining selective…”
““We continue to stay focused on margin expansion and credit performance, as our portfolio grows to new highs.””
The increase to this facility brings the total capacity across CPS’ credit facilities to $1.026 billion and marks the first time the Company has had over $1 billion in total credit capacity.
Stated in a supplied disclosure. Management reported: “The increase to this facility brings the total capacity across CPS’ credit facilities to $1.026 billion and marks the first time the Company has had over $1 billion in total credit capacity.” ““With strong demand across our dealership network producing growth in origination volume, this upsized facility provides adequate capacity to continue to grow our loan portfolio.””
Interest expense comprised approximately 58% of total operating expenses for both the third quarter and first nine months of 2026 and 2025, demonstrating discipline in the cost structure of our borro…
Stated in 2 of 3 supplied quarters. Management reported: “Interest expense comprised approximately 58% of total operating expenses for both the third quarter and first nine months of 2026 and 2025, demonstrating discipline in the cost structure of our borrowings as the portfolio grows.” ““We continue to stay focused on margin expansion and credit performance, as our portfolio grows to new highs.””
“Interest expense comprised approximately 58% of total operating expenses for both the third quarter and first nine months of 2026 and 2025, demonstrating discipline in the cost structure of our borro…”
““We continue to stay focused on margin expansion and credit performance, as our portfolio grows to new highs.””
Expand the dealership network and deepen dealer relationships to increase contract purchases and grow the loan portfolio while remaining selective on contracts.
Continue selective contract purchasing and monitor delinquencies, charge-offs, and recovery rates as originations and the portfolio expand.
Over the trailing year it converted 12.10x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
32 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.