Consumer Portfolio Services (CPSS) Financials: Revenue & Earnings
CPSS$9.66+0.11 +1.15%
$211.60M
Market Cap
—
P/E
—
Forward P/E
—
Score
Consumer Portfolio Services (CPSS) Financials: Revenue & Earnings
CPSS price $9.66 +0.11 +1.15%
- Ticker
- CPSS
- Price
- $9.66
- Change
- +0.11 +1.15%
- Market cap ?
- $211.60M
- Beta ?
- 1.14
- Sector
- Financial Services
- Industry
- Financial - Credit Services
Fair value
CPSS fair value $202.13. Price $9.66. Price is 95% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 93% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 350.43M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 10.55% (beta 1.1). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 21.91M. Net debt 3.50B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Model uncertainty high for this stock
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2027-03-18 | — | — | — | — |
| 2026-10-22 | 0.30 | — | 131.91M | — |
| 2026-08-04 | 0.27 | — | 121.39M | — |
| 2026-05-05 | 0.24 | — | 112.33M | — |
| 2026-03-10 | 0.21 | 0.23 | 109.41M | 118.62M |
| 2025-11-10 | 0.20 | 0.25 | 108.42M | 110.64M |
| 2025-08-11 | 0.20 | 0.26 | 109.76M | 113.66M |
| 2025-05-12 | 0.19 | 0.30 | 106.87M | 109.99M |
| 2025-02-25 | 0.21 | 0.27 | 105.30M | 102.37M |
| 2024-10-31 | 0.20 | 0.21 | 100.58M | 102.37M |
| 2024-07-30 | 0.19 | — | 90.38M | — |
| 2024-05-10 | 0.19 | — | 86.74M | — |
| 2024-03-15 | 0.29 | 0.26 | 85.98M | 308.88M |
| 2023-11-09 | 0.41 | 0.26 | 54.19M | 79.94M |
| 2023-08-02 | 0.55 | 0.24 | 49.15M | 78.25M |
| 2023-04-26 | 0.54 | 0.24 | 50.34M | 76.31M |
| 2023-03-09 | 0.59 | 0.22 | 54.15M | 308.88M |
| 2022-11-09 | 0.95 | 0.22 | 66.82M | 70.25M |
| 2022-07-25 | 0.91 | 0.19 | 63.25M | 68.28M |
| 2022-04-18 | 0.75 | 0.20 | 57.97M | 66.00M |
| 2022-02-14 | 0.71 | 0.20 | 52.38M | 60.39M |
| 2021-10-27 | 0.52 | 0.19 | 50.23M | 60.06M |
| 2021-08-11 | 0.39 | 0.21 | 47.79M | 44.80M |
| 2021-05-10 | 0.21 | 0.23 | 42.17M | 67.71M |
| 2021-02-23 | 0.17 | 0.23 | 39.47M | — |
| 2020-10-19 | 0.16 | 0.30 | 45.77M | 132.50M |
| 2020-07-21 | 0.13 | 0.29 | 40.81M | 171.41M |
| 2020-04-15 | 0.08 | 0.15 | 43.78M | 34.25M |
| 2020-03-16 | 0.00 | 0.08 | 58.13M | — |
| 2019-10-29 | 0.08 | 0.08 | 57.58M | 85.52M |
| 2019-07-24 | 0.08 | 0.08 | 58.62M | 86.33M |
| 2019-04-18 | 0.07 | 0.16 | 60.94M | 201.67M |
| 2019-02-12 | 0.13 | 0.13 | 64.81M | 91.22M |
| 2018-10-17 | 0.13 | 0.12 | 69.82M | 88.27M |
| 2018-07-24 | 0.13 | 0.13 | 74.17M | 99.40M |
| 2018-04-18 | 0.12 | 0.16 | 79.50M | 138.13M |
| 2018-02-14 | 0.20 | 0.16 | 83.52M | 91.12M |
| 2017-10-23 | 0.17 | 0.17 | 86.17M | 109.50M |
| 2017-07-24 | 0.17 | 0.18 | 86.84M | 116.58M |
| 2017-04-19 | 0.16 | 0.20 | 85.51M | 134.50M |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency —.
Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-01 | Robinson Teri | Sell | 660 | — | — |
| 2026-09-01 | Jackson Noel | Sell | 7.50K | $2.47 | 18.52K |
| 2026-09-01 | Jackson Noel | Buy | 7.50K | $2.47 | 18.52K |
| 2026-09-01 | Jackson Noel | Sell | 7.50K | $9.31 | 69.83K |
| 2026-08-26 | BRADLEY CHARLES E JR | Sell | 125.00K | $9.46 | 1.18M |
| 2026-08-12 | Ralston Catrina Marie | Sell | 3.62K | $9.50 | 34.36K |
| 2026-08-11 | TERRY CHRIS | Buy | 90.00K | $9.20 | 828.00K |
| 2026-08-11 | Schween Steven | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | Ryan Susan | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | Robinson Teri | Buy | 90.00K | $9.20 | 828.00K |
| 2026-08-11 | RIEDL ROBERT E | Buy | 120.00K | $9.20 | 1.10M |
| 2026-08-11 | Reynoso Lisette | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | Ralston Catrina Marie | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | Lavin Michael T. | Buy | 120.00K | $9.20 | 1.10M |
| 2026-08-11 | Jackson Noel | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | Gonel Charles E. | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | BRADLEY CHARLES E JR | Buy | 300.00K | $9.20 | 2.76M |
| 2026-08-11 | Bharwani Denesh | Buy | 90.00K | $9.20 | 828.00K |
| 2026-08-11 | Baumeister Michele L | Buy | 60.00K | $9.20 | 552.00K |
| 2026-08-11 | Carnahan Scott W. | Buy | 30.00K | $9.20 | 276.00K |
| 2026-08-10 | Ralston Catrina Marie | Sell | 916 | $9.50 | 8.70K |
| 2026-08-07 | Ralston Catrina Marie | Sell | 467 | $9.50 | 4.44K |
| 2026-08-07 | BRADLEY CHARLES E JR | Sell | 300.00K | $3.53 | 1.06M |
| 2026-08-06 | Lavin Michael T. | Buy | 99.30K | — | — |
| 2026-08-06 | Lavin Michael T. | Buy | 61.35K | $3.53 | 216.58K |
| 2026-08-06 | Lavin Michael T. | Sell | 45.83K | $2.47 | 113.20K |
| 2026-08-06 | Lavin Michael T. | Sell | 36.52K | $9.57 | 349.54K |
| 2026-08-06 | Lavin Michael T. | Buy | 28.65K | $3.53 | 101.12K |
| 2026-08-06 | Lavin Michael T. | Buy | 45.83K | $2.47 | 113.20K |
| 2026-08-06 | Lavin Michael T. | Sell | 90.00K | $3.53 | 317.70K |
| 2026-08-06 | Lavin Michael T. | Sell | 99.30K | — | — |
| 2026-08-06 | Rayhill Brian | Buy | 30.00K | $3.53 | 105.90K |
| 2026-08-06 | Rayhill Brian | Sell | 11.07K | $9.57 | 105.90K |
| 2026-08-06 | Rayhill Brian | Sell | 30.00K | $3.53 | 105.90K |
| 2026-08-05 | BRADLEY CHARLES E JR | Buy | 300.00K | $3.53 | 1.06M |
| 2026-08-05 | Bharwani Denesh | Buy | 60.00K | $3.53 | 211.80K |
| 2026-08-05 | Bharwani Denesh | Sell | 60.00K | $3.53 | 211.80K |
| 2026-08-05 | TERRY CHRIS | Buy | 60.00K | $3.53 | 211.80K |
| 2026-08-05 | TERRY CHRIS | Sell | 27.79K | $9.18 | 255.08K |
| 2026-08-05 | TERRY CHRIS | Sell | 60.00K | $3.53 | 211.80K |
| 2026-08-04 | Baumeister Michele L | Buy | 30.00K | $3.53 | 105.90K |
| 2026-08-04 | Baumeister Michele L | Sell | 14.17K | $9.31 | 131.93K |
| 2026-08-04 | Baumeister Michele L | Sell | 30.00K | $3.53 | 105.90K |
| 2026-08-03 | Reynoso Lisette | Buy | 5.00K | $3.53 | 17.65K |
| 2026-08-03 | Reynoso Lisette | Sell | 1.84K | $9.60 | 17.65K |
| 2026-08-03 | Reynoso Lisette | Sell | 5.00K | $3.53 | 17.65K |
| 2026-08-03 | Robinson Teri | Buy | 43.59K | — | — |
| 2026-08-03 | Robinson Teri | Buy | 31.46K | $3.53 | 111.05K |
| 2026-08-03 | Robinson Teri | Sell | 16.41K | $9.60 | 157.56K |
| 2026-08-03 | Robinson Teri | Buy | 28.54K | $3.53 | 100.75K |
| 2026-08-03 | Robinson Teri | Sell | 43.59K | — | — |
| 2026-08-03 | Robinson Teri | Sell | 60.00K | $3.53 | 211.80K |
| 2026-08-03 | Ralston Catrina Marie | Buy | 30.00K | $3.53 | 105.90K |
| 2026-08-03 | Ralston Catrina Marie | Sell | 12.46K | $9.60 | 119.61K |
| 2026-08-03 | Ralston Catrina Marie | Sell | 30.00K | $3.53 | 105.90K |
| 2026-07-24 | WOOD DANIEL S | Buy | 30.00K | $3.53 | 105.90K |
| 2026-07-24 | WOOD DANIEL S | Sell | 11.21K | $9.45 | 105.91K |
| 2026-07-24 | WOOD DANIEL S | Sell | 30.00K | $3.53 | 105.90K |
| 2026-07-03 | Robinson Teri | Sell | 660 | — | — |
| 2026-06-30 | Ryan Susan | Buy | 30.00K | $3.53 | 105.90K |
| 2026-06-30 | Ryan Susan | Sell | 11.64K | $9.60 | 111.75K |
| 2026-06-30 | Ryan Susan | Sell | 30.00K | $3.53 | 105.90K |
| 2026-06-26 | Gonel Charles E. | Buy | 30.00K | $3.53 | 105.90K |
| 2026-06-26 | Gonel Charles E. | Sell | 11.10K | $10.00 | 110.95K |
| 2026-06-26 | Gonel Charles E. | Sell | 30.00K | $3.53 | 105.90K |
| 2026-06-16 | Jackson Noel | Buy | 7.00K | $3.53 | 24.71K |
| 2026-06-16 | Jackson Noel | Sell | 7.00K | $9.63 | 67.41K |
| 2026-06-16 | Jackson Noel | Sell | 7.00K | $3.53 | 24.71K |
| 2026-04-27 | Schween Steven | Buy | 30.00K | $2.47 | 74.10K |
| 2026-04-27 | Schween Steven | Sell | 30.00K | $2.47 | 74.10K |
| 2026-04-09 | Robinson Teri | Sell | 660 | — | — |
| 2026-04-07 | Schween Steven | Buy | 30.00K | $3.53 | 105.90K |
| 2026-04-07 | Schween Steven | Sell | 30.00K | $3.53 | 105.90K |
| 2026-03-13 | WOOD DANIEL S | Sell | 20.00K | $7.53 | 150.60K |
| 2026-02-18 | Carnahan Scott W. | Other | 0 | — | — |
| 2026-02-12 | Bharwani Denesh | Sell | 9.00K | — | — |
| 2026-01-07 | Robinson Teri | Sell | 660 | — | — |
| 2025-12-04 | ROBERTS WILLIAM B | Sell | 100.00K | $8.69 | 869.00K |
| 2025-09-22 | Grasso Louis M | Buy | 20.00K | $2.47 | 49.40K |
| 2025-09-22 | Grasso Louis M | Sell | 20.00K | $2.47 | 49.40K |
| 2025-09-16 | Jackson Noel | Sell | 9.37K | $2.47 | 23.14K |
| 2025-09-16 | Jackson Noel | Buy | 9.37K | $2.47 | 23.14K |
| 2025-09-16 | Jackson Noel | Sell | 9.37K | $8.49 | 79.58K |
| 2025-09-16 | Reynoso Lisette | Buy | 4.80K | $3.83 | 18.38K |
| 2025-09-16 | Reynoso Lisette | Sell | 2.17K | $8.49 | 18.38K |
| 2025-09-16 | Reynoso Lisette | Sell | 4.80K | $3.83 | 18.38K |
| 2025-09-15 | ROBERTS WILLIAM B | Sell | 100.00K | $8.62 | 862.00K |
| 2025-09-09 | TERRY CHRIS | Buy | 90.00K | $8.19 | 737.10K |
| 2025-09-09 | Schween Steven | Buy | 60.00K | $8.19 | 491.40K |
| 2025-09-09 | Ryan Susan | Buy | 60.00K | $8.19 | 491.40K |
| 2025-09-09 | Robinson Teri | Buy | 90.00K | $8.19 | 737.10K |
| 2025-09-09 | RIEDL ROBERT E | Buy | 120.00K | $8.19 | 982.80K |
| 2025-09-09 | Reynoso Lisette | Buy | 60.00K | $8.19 | 491.40K |
| 2025-09-09 | Ralston Catrina Marie | Buy | 60.00K | $8.19 | 491.40K |
| 2025-09-09 | Lavin Michael T. | Buy | 120.00K | $8.19 | 982.80K |
| 2025-09-09 | Jackson Noel | Buy | 60.00K | $8.19 | 491.40K |
| 2025-09-09 | Gonel Charles E. | Buy | 60.00K | $8.19 | 491.40K |
| 2025-09-09 | BRADLEY CHARLES E JR | Buy | 300.00K | $8.19 | 2.46M |
| 2025-09-09 | Bharwani Denesh | Buy | 90.00K | $8.19 | 737.10K |
| 2025-09-09 | Baumeister Michele L | Buy | 60.00K | $8.19 | 491.40K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 65, holders +4 vs prior quarter. Ownership 45.51%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BLACK DIAMOND CAPITAL MANAGEMENT I, LLLP | 5.13M | 0 | 0.00% | 49.20M |
| DIMENSIONAL FUND ADVISORS LP | 1.57M | 4.37K | +0.28% | 15.07M |
| BLACKROCK, INC. | 656.33K | 21.74K | +3.43% | 6.30M |
| VANGUARD CAPITAL MANAGEMENT LLC | 415.82K | 2.26K | +0.55% | 3.99M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 395.61K | 0 | 0.00% | 3.80M |
| RENAISSANCE TECHNOLOGIES LLC | 339.96K | -16.20K | -4.55% | 3.26M |
| GEODE CAPITAL MANAGEMENT, LLC | 225.93K | 7.45K | +3.41% | 2.17M |
| STATE STREET CORP | 195.84K | 41 | +0.02% | 1.88M |
| EMPOWERED FUNDS, LLC | 151.76K | 0 | 0.00% | 1.46M |
| ALLIANZ ASSET MANAGEMENT GMBH | 90.40K | -69.64K | -43.51% | 867.40K |
| NORTHERN TRUST CORP | 84.82K | 2.22K | +2.69% | 813.82K |
| ROYAL BANK OF CANADA | 82.38K | 1.39K | +1.71% | 790.00K |
| AMERICAN CENTURY COMPANIES INC | 73.68K | 0 | 0.00% | 706.96K |
| VERITY & VERITY, LLC | 65.74K | -7.27K | -9.95% | 630.79K |
| VANGUARD FIDUCIARY TRUST CO | 62.09K | 5.72K | +10.16% | 595.71K |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 61.75K | 6.16K | +11.07% | 592.46K |
| JANNEY MONTGOMERY SCOTT LLC | 51.59K | 583 | +1.14% | 495.00K |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 27.92K | 3.99K | +16.67% | 267.87K |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 27.92K | 27.92K | New | 267.87K |
| CITADEL ADVISORS LLC | 27.20K | 27.20K | New | 260.98K |
| BANK OF NEW YORK MELLON CORP | 23.02K | 0 | 0.00% | 220.90K |
| GOLDMAN SACHS GROUP INC | 22.18K | -13.46K | -37.76% | 212.81K |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 16.62K | -4.07K | -19.66% | 159.48K |
| RUSSELL INVESTMENTS GROUP, LTD. | 14.85K | 4.99K | +50.59% | 142.52K |
| NUVEEN, LLC | 13.51K | 13.51K | New | 129.63K |
Earnings and financials
Consumer Portfolio Services, Inc. (CPSS) trades at $9.66, with a market cap of $211.60M and a trailing P/E of n/a. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
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