Consumer Portfolio Services, Inc. (CPSS) stock
CPSSNasdaqFinance ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 9/3090% below fair value
$9.53−0.24 (-2.46%)
Close on Nov 13, 2026Market cap $208.24MP/E 9.3Yield –
Consumer Portfolio Services statistics
89 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Mar 9, 2027 (estimated, after the close)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 0.64
- 1.13
- P/OCF Ratio
- 0.58
- 5.84
Enterprise valuationIndustry
- EV / Sales
- 0.43
- 2.54
- EV / FCF
- 0.57
- 9.23
Share statisticsIndustry
- Shares Change (YoY)
- -2.82%
- 13.6%
- Shares Change (QoQ)
- 1.34%
- 0.11%
- Float
- 3M
- 40M
- Shares Held by Insiders
- 85.3%
- 18.2%
- Shares Held by Institutions
- 45.1%
- 27.7%
Short sellingIndustry
- Short Interest
- 154,990
- –
- Short Interest Change
- -9.77%
- -0.08%
- Short % of Float
- 4.82%
- 6.48%
- Short % of Shares Outstanding
- 0.71%
- 5.35%
- Days to Cover
- 5.46
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $10.49
- –
- 52-Week Low
- $7.46
- –
- 20-Day Moving Average
- $9.73
- –
- 50-Day Moving Average
- $9.47
- –
- 200-Day Moving Average
- $9.10
- –
- Average True Range (14)
- $0.40
- –
- Price Change (1 Week)
- -6.29%
- -4.00%
- Price Change (1 Month)
- 3.93%
- -17.2%
- Price Change (3 Months)
- 3.70%
- -15.4%
- Price Change (6 Months)
- -3.64%
- -32.2%
- Price Change (YTD)
- 2.14%
- -37.2%
- Price Change (1 Year)
- 18.1%
- -50.6%
- Price Change (3 Years)
- -4.32%
- -32.7%
- Price Change (5 Years)
- 13.0%
- -81.6%
- Price Change (10 Years)
- 96.1%
- -62.7%
- Average Volume (10 Days)
- 20,815
- –
- Average Volume (20 Days)
- 25,252
- –
- Average Volume (90 Days)
- 24,010
- –
- Relative Volume
- 0.26
- 0.72
- Relative Strength Index (14)
- 47.2
- 39.6
- Volatility (1 Year)
- 39.4%
- 94.5%
- Beta (5 Years)
- 1.22
- 1.24
MarginsIndustry
- Pretax Margin
- 7.23%
- -6.66%
- EBITDA Margin
- 60.9%
- -66.0%
- FCF Margin
- 75.5%
- -32.1%
Returns on capitalIndustry
- Return on Equity (ROE)
- 7.50%
- -20.8%
- Return on Assets (ROA)
- 0.55%
- -7.97%
GrowthIndustry
- Revenue Growth (YoY)
- 10.4%
- 15.4%
- Net Income Growth (YoY)
- 21.6%
- -22.9%
- EPS Growth (YoY)
- 27.5%
- 3.77%
- FCF Growth (YoY)
- 27.9%
- 16.1%
- Revenue Growth (3Y CAGR)
- 9.63%
- 5.94%
- Revenue Growth (5Y CAGR)
- 9.89%
- 10.7%
- EPS Growth (3Y CAGR)
- -37.2%
- 5.11%
- EPS Growth (5Y CAGR)
- -2.33%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.11
- 0.16
- Revenue Per Employee
- $511.90K
- $675.54K
- Profits Per Employee
- $25.55K
- -$170.28K
- Employee Count
- 928
- 47
- WACC
- 11.2%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $34.36M
- -$2.77M
Balance sheetIndustry
- Net Cash (Debt)
- $5.15M
- $7.04M
- Net Cash Per Share
- $0.24
- $0.19
- Equity (Book Value)
- $324.49M
- $224.68M
- Book Value Per Share
- $14.85
- $4.10
- Tangible Book Value
- $324.49M
- $156.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.43M
- -$4.95M
- FCF Per Share
- $16.42
- -$0.22
Dividends and yieldsIndustry
- Earnings Yield
- 11.4%
- -13.4%
- FCF Yield
- 172.3%
- -15.4%
- Buyback Yield
- 5.48%
- 0.46%
- Shareholder Yield
- 5.48%
- 0.51%
Taxes and interestIndustry
- Interest Expense
- $254.14M
- $4.05M
- Income Tax
- $10.65M
- $213.00K
- Effective Tax Rate
- 31.0%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $18.46
- $31.08
- Graham Upside
- 93.7%
- 16.5%
- Altman Z-Score
- 0.21
- 0.36
- Piotroski F-Score
- 5
- 4
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CPSS | S&P 500 | Difference | CPSS per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.0% | -3.0% | +7.1 pts | ||
| 3 months | -1.1% | -2.8% | +1.6 pts | ||
| Year to date | +2.1% | +11.5% | −9.3 pts | ||
| 1 year | +14.7% | +13.5% | +1.2 pts | ||
| 3 years | -0.2% | +77.7% | −77.9 pts | -0.1% | +21.1% |
| 5 years | +13.0% | +72.6% | −59.6 pts | +2.5% | +11.5% |
| 10 years | +97.7% | +308.2% | −210.4 pts | +7.1% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M CPSS shares were sold short on Oct 30, 2026, down 9.8% from the previous report, or 4.82% of the shares available to trade. At recent volumes it would take 5.5 days to buy them back. Over the last 20 sessions, 49.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 154,990 | -9.8% | 28,406 | 5.5 |
| Oct 15, 2026 | 171,763 | +6.0% | 27,754 | 6.2 |
| Sep 30, 2026 | 162,007 | +0.6% | 30,166 | 5.4 |
| Sep 15, 2026 | 160,999 | -0.6% | 30,406 | 5.3 |
| Aug 31, 2026 | 162,033 | +8.5% | 15,938 | 10.2 |
| Aug 14, 2026 | 149,352 | +8.7% | 16,050 | 9.3 |
| Jul 31, 2026 | 137,354 | +0.1% | 20,713 | 6.6 |
| Jul 15, 2026 | 137,261 | +6.0% | 22,106 | 6.2 |
| Jun 30, 2026 | 129,434 | -8.4% | 35,545 | 3.6 |
| Jun 15, 2026 | 141,374 | +5.0% | 15,508 | 9.1 |
| May 29, 2026 | 134,686 | -13.3% | 24,195 | 5.6 |
| May 15, 2026 | 155,273 | -29.5% | 37,933 | 4.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?