Consumer Portfolio Services, Inc. (CPSS)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$9.88-2.56%
Close 2026-11-05 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · CPSS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -39.5% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 10.1% |
Growth built into the price is above our model estimate.
The price assumes 49.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name is on a run of consecutive earnings misses and recently missed its own guidance. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 22 industry peers · Company calendar date is not available
CPSS — credit agreement
Dated 2026-10-13
The registrant disclaims any implication that the agreements relating to the transactions described in this report are other than agreements entered into in the ordinary course of its business. Warehouse Credit Facility Amended On October 9, 2026, Consumer Portfolio Services, Inc. ("CPS" or the "Company") and its wholly-owned subsidiary Page Eleven Funding LLC (the “Borrower”) amended a revolving credit agreement (the "Credit Agreement") and related agreements with Capital One, N.A., and a Cl…
Why it matters: Q3 purchases reached $815.3 million, up 109% year over year. Another strong quarter would back the growth trend.
Supportive ifQ4 2026 contract purchases exceed $800 million and are higher than Q4 2025.
Worry ifQ4 2026 contract purchases fall below $758 million, the Q2 2026 level.
Why it matters: Q3 charge-offs were 7.26%, down from 8.01% a year earlier. A move above 8% would reverse that improvement.
Worry ifQ4 net charge-offs, at an annual rate, exceed 8% of the average portfolio.
Less concerning ifQ4 net charge-offs, at an annual rate, stay below 7.26%.
Why it matters: Interest expense made up 58% of operating costs in Q3. Faster growth in funding costs could squeeze earnings from new loans.
Worry ifIn the next results, interest expense grows faster year over year than total revenue.
Less concerning ifInterest expense grows no faster than revenue, while net income still grows year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$142 on $10,000 · ±1.4% | How much price usually moves either way. |
| Bad day | $398 loss on $10,000 · 4.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,213 loss on $10,000 · 22.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.