Consumer Portfolio Services, Inc. (CPSS)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$9.40+6.70%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
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.
Increase loan origination volume and total portfolio balance to drive revenue and earnings growth while maintaining credit standards.
Stated as a priority in 2 of last 2 quarters. New contract purchases increased 75% from $433 million in 2025-Q2 to $758 million in 2026-Q2, and total portfolio balance grew from $3.708 billion to $4.31 billion over the same period. CEO emphasized highest origination volume ever in 2026-Q2, indicating the company is delivering on growth objectives.
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 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“CEO: 'We achieved our highest volume of loan originations ever in the second quarter.'”
“CEO: 'The first quarter marks a strong start to the year as we saw growth in origination volumes, revenue and net income.'”
Sustain earnings per share at or above the guidance level of $0.24 for fiscal year 2026.
EPS guidance of $0.24 for fiscal year 2026 was stated in 2 quarters. Actual diluted EPS was $0.24 in 2026-Q1 and increased to $0.27 in 2026-Q2, exceeding guidance. The trajectory shows the company is delivering on its EPS target.
“Earnings of $6.2 million, or $0.27 per diluted share for Q2 2026.”
“Earnings of $5.5 million, or $0.24 per diluted share for Q1 2026.”
Continue securitization transactions to support funding needs and optimize capital structure.
Securitization of receivables to support funding was stated in at least 3 disclosures including 2026-Q1 and Q2 and a separate August 2026 event. The company closed an $80 million securitization in August 2026 and has ongoing credit facility renewals. This indicates continued execution on capital allocation through securitization.
“Entered into agreements creating long-term obligations related to securitization of receivables.”
“Amended and renewed revolving credit agreements and securitization transactions.”
Amend, renew, and increase revolving credit facilities to support liquidity and growth.
Renewal and increase of revolving credit facilities was stated in 2 quarters, 2026-Q1 and Q2. Warehouse lines of credit increased significantly from $324.9 million at end 2025 to $679.9 million at mid-2026, reflecting successful credit facility renewals and expansions. The company is delivering on this capital allocation priority.
“Amended and renewed revolving credit agreement in July 2026.”
“Amended revolving credit agreement in April 2026.”
Continue to securitize automobile receivables to fund contract purchases and manage capital structure.
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=6844).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
30 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.