CPSS Share Price | Consumer Portfolio Services, Inc. Stock Analysis & Recommendation

Q: Is Consumer Portfolio Services, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for Consumer Portfolio Services, Inc. has moved from expensive to attractive, indicating a shift towards a more favorable assessment. The company appears undervalued based on its current metrics, with a P/E ratio of 11, a price to book value of 0.69, and an EV to EBITDA of 0.10. In comparison, Guild Holdings Co. has a significantly higher P/E ratio of 34.06, while Regional Management Corp. stands at 17.39, highlighting the relative attractiveness of Consumer Portfolio Services.Despite the recent valuation improvement, the company has underperformed against the S&P 500 in the short and medium term, with a year-to-date return of -24.13% compared to the index's 12.22%. However, over the past five years, it has delivered a return of 121.51%, outperforming the S&P 500's 96.61%, suggesting potential for recovery and growth.

Q: Is Consumer Portfolio Services, Inc. technically bullish or bearish?

As of 11 September 2025, the technical trend for Consumer Portfolio Services, Inc. has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by the weekly MACD and Bollinger Bands both indicating bearish signals, while the monthly RSI shows bullishness. The daily moving averages are also bearish. Dow Theory presents a mixed view with a mildly bullish weekly signal but a mildly bearish monthly signal. The stock has underperformed the S&P 500 across multiple periods, with a year-to-date return of -24.13% compared to the S&P 500's 12.22%.

Q: What does Consumer Portfolio Services, Inc. do?

Overview: Consumer Portfolio Services, Inc. is a specialty finance company that operates in the finance industry, focusing on purchasing and servicing retail automobile contracts primarily for sub-prime customers. It falls within the micro-cap market segment.Financial Snapshot: Most recent Net Sales: 103 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 5 Million (Quarterly Results - Mar 2025) Market-cap: USD 209.13 Million (Micro Cap)Key Metrics: P/E: 11.00 Dividend Yield: 0.00% Debt Equity: -999,999.00 Return on Equity: 6.47% Price to Book: 0.70Contact Details: Address: 19500 Jamboree Rd, IRVINE CA : 92612 Tel: 1 949 7536800 Website: https://www.consumerportfolio.com/

Q: Should I buy, sell or hold Consumer Portfolio Services, Inc.?

Based on the current analysis of Consumer Portfolio Services, Inc., it would be advisable to hold your position in the company. The company demonstrates strong long-term fundamental strength, highlighted by an average Return on Equity (ROE) of 19.59%. However, it faces challenges with poor long-term growth, as evidenced by modest increases in net sales and operating profit.Recent financial results indicate a decline in net profit, which has decreased by 33.95% over the past nine months, while interest has grown significantly. The Return on Capital Employed (ROCE) is at its lowest, suggesting some operational inefficiencies. Despite these concerns, the stock is attractively valued with a Price to Book Value ratio of 0.7, and the high institutional ownership at 50.19% indicates that knowledgeable investors are backing the company.Given these factors, while there are some red flags regarding growth and profitability, the strong fundamentals and attractive valuation suggest that holding your investment for now may be the best course of action.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

19.69 k

Shareholding (Mar 2026)

FII

0.49%

Held by 17 FIIs

DII

75.94%

Held by 15 DIIs

Promoter

23.56%

Is Consumer Portfolio Services, Inc. overvalued or undervalued?

20-Sep-2025

As of July 7, 2025, Consumer Portfolio Services, Inc. is considered undervalued with a P/E ratio of 11 and a price-to-book value of 0.69, despite recent underperformance against the S&P 500, but it has shown strong long-term growth potential with a five-year return of 121.51%.

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Is Consumer Portfolio Services, Inc. technically bullish or bearish?

20-Sep-2025

As of September 11, 2025, Consumer Portfolio Services, Inc. shows a mildly bearish trend, with bearish signals from the weekly MACD and Bollinger Bands, while the stock has underperformed the S&P 500 with a year-to-date return of -24.13%.

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How big is Consumer Portfolio Services, Inc.?

22-Jun-2025

As of Jun 18, Consumer Portfolio Services, Inc. has a market capitalization of 209.13 million, with net sales of 389.13 million and a net profit of 19.30 million for the latest four quarters. Shareholder's funds were 292.77 million, and total assets were 3,501.43 million as of December 2024.

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What does Consumer Portfolio Services, Inc. do?

22-Jun-2025

Consumer Portfolio Services, Inc. is a specialty finance company that purchases and services retail automobile contracts for sub-prime customers, with a market cap of approximately $209.13 million. As of March 2025, it reported net sales of $103 million and a net profit of $5 million.

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Should I buy, sell or hold Consumer Portfolio Services, Inc.?

22-Jun-2025

Who are in the management team of Consumer Portfolio Services, Inc.?

22-Jun-2025

As of March 2022, the management team of Consumer Portfolio Services, Inc. includes Mr. Charles Bradley as Chairman, President, and CEO, along with independent directors Mr. Chris Adams, Mr. Louis Grasso, Mr. Brian Rayhill, Mr. William Roberts, and Mr. Gregory Washer.

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Compare Consumer Portfolio Services, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.59%

Poor long term growth as Net Sales has grown by an annual rate of 7.31% and Operating profit at 8.96%

Positive results in Mar 26

With ROE of 6.24%, it has a very attractive valuation with a 0.53 Price to Book Value

High Institutional Holdings at 49.51%

Underperformed the market in the last 1 year

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 165 Million (Micro Cap)

P/E

9.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

6.24%

Price to Book

0.53

Revenue and Profits:

Net Sales:

112 Million

(Quarterly Results - Mar 2026)

Net Profit:

6 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

19.88%

6 Months

1.47%

1 Year

-0.52%

2 Years

11.56%

3 Years

-21.74%

4 Years

-12.27%

5 Years

108.87%

Consumer Portfolio Services, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

7.31%

EBIT Growth (5y)

8.96%

EBIT to Interest (avg)

1.59

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

30.24%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

49.51%

ROCE (avg)

199.40%

ROE (avg)

19.59%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.53

EV to EBIT

-0.03

EV to EBITDA

-0.03

EV to Capital Employed

-0.05

EV to Sales

-0.02

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

6.24%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2026

Shareholding Compare (%holding)

Majority shareholders

Strategic Entities

Domestic Funds

Held in 17 Schemes (14.29%)

Foreign Institutions

Held by 17 Foreign Institutions (0.49%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "val2": "66.70",
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          "field": "Interest",
          "val1": "60.10",
          "val2": "59.30",
          "chgp": "1.35%",
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "5.50",
          "val2": "5.00",
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          "chgp_class": "positive"
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          "field": "Operating Profit Margin (Excl OI)",
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        "suffix": "YoY Growth in year ended Dec 2025 is 0.52% vs -57.62% in Dec 2024",
        "dir": 1
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    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
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          "val2": "372.50",
          "chgp": "14.90%",
          "chgp_class": "positive"
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "254.40",
          "val2": "198.50",
          "chgp": "28.16%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "232.00",
          "val2": "191.30",
          "chgp": "21.28%",
          "chgp_class": "negative"
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          "val2": "0.00",
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          "val1": "19.30",
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          "chgp": "0.52%",
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          "val2": "587.10%",
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Quarterly Results Snapshot (Consolidated) - Mar'26 - QoQ

Mar'26

Dec'25

Change(%)

Net Sales

112.30

109.40

2.65%

Operating Profit (PBDIT) excl Other Income

68.30

66.70

2.40%

Interest

60.10

59.30

1.35%

Exceptional Items

0.00

Consolidate Net Profit

5.50

5.00

10.00%

Operating Profit Margin (Excl OI)

606.10%

608.00%

-0.19%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Mar 2026 is 2.65% vs 0.92% in Dec 2025

Consolidated Net Profit

QoQ Growth in quarter ended Mar 2026 is 10.00% vs 2.04% in Dec 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

428.00

372.50

14.90%

Operating Profit (PBDIT) excl Other Income

254.40

198.50

28.16%

Interest

232.00

191.30

21.28%

Exceptional Items

0.00

Consolidate Net Profit

19.30

19.20

0.52%

Operating Profit Margin (Excl OI)

607.60%

587.10%

2.05%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 14.90% vs 9.56% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 0.52% vs -57.62% in Dec 2024

All Annual Results

Company CV

About Consumer Portfolio Services, Inc.

Consumer Portfolio Services, Inc.

Finance

Consumer Portfolio Services, Inc. is a specialty finance company. The Company's business is to purchase and service retail automobile contracts originated primarily by franchised automobile dealers and by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through its automobile contract purchases, the Company provides indirect financing to the customers of dealers having limited credit histories, low incomes or past credit problems, who it refers to as sub-prime customers. It serves as an alternative source of financing for dealers, facilitating sales to customers. The Company offers approximately eight financing programs to its dealership customers and prices each program according to the relative credit risk. Its financing programs are Bravo, First Time Buyer, Mercury/Delta, Standard, Alpha, Alpha Plus, Super Alpha and Preferred.

Company Coordinates

Company Details

19500 Jamboree Rd , IRVINE CA : 92612

Tel: 1 949 7536800

https://www.consumerportfolio.com/

Registrar Details