Stock Ratings / Financials / CPSS / earnings

HKD (59) LIEN (46) BKKT (34) BGIN (39) ⌘ Pro Terminal →

Consumer Portfolio Services Inc. (CPSS) Next Earnings Date & Expected ±7.6% Move

$9.96 +1.32% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.96

Consumer Portfolio Services Inc. (CPSS) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $218.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CPSS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CPSS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-01, Consumer Portfolio Services Inc. (NASDAQ: CPSS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $9.96 (+1.32% 1D, market cap $218.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CPSS ranks #407 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CPSS compare to HKD and LIEN in the Financials sector?

▼

Within the Financials sector (Finance: Consumer Services), CPSS carries a Roarable C (63/100 RQD), trailing P/E of 11.3x, gross margin of —, and ROIC of 6.2%. By comparison, HKD (AMTD Digital Inc. (every five of which represent two ) (Class A)) holds a C- grade (59/100 RQD, P/E N/A, ROIC —, cap $218.3M) and LIEN (Chicago Atlantic BDC Inc.) posts a D grade (46/100 RQD, P/E 6.3x, ROIC 11.0%, cap $208.8M). Among the 5-stock peer group, LIEN leads on earnings multiple (6.3x) while LIEN leads on capital efficiency (11.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CPSS?

▼

Per CPSS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000889609), Consumer Portfolio Services Inc. generated $434.5M in revenue (+10.4% YoY), $19.3M in net income, and $288.3M in free cash flow against $3.86B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.96 (+0.05%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 66.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPSS)Realized 20D OHLCV Swing Band: ±7.6%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY CPSS SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 66.4% FCF Margin ($288.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$9.38-2.5% Next Q

Q2 (-2Q)

Grade C$9.15+8.2% Next Q

Q3 (-1Q)

Grade C$9.90+0.6% Next Q

Current

Grade C$9.96+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CPSS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, CPSS faces multiple-compression risk if 11.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.33) or 200D SMA ($9.03) invalidates the momentum regime and cuts Target Base ($10.18) toward Bear Floor ($7.94).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPSS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CPSS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±7.6% Swing Band

±$0.76 Expected Swing

MODEL EARNINGS SETUP GAUGE

CPSS Quantitative Pre-Earnings Setup: 63/100

Trailing EPS: $0.88 • YoY Revenue Growth: 10.4%

Model Bullish Setup (63/100)Model Risk Weight (37/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$434.5M	$19.3M	$288.3M	52%
FY 2024	2024-12-31	$393.5M	$19.2M	$233.3M	52%
FY 2023	2023-12-31	$352.0M	$45.3M	$238.0M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CPSS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CPSS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CPSS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.69%▲ RESISTANCE BREAKOUT

2026-10-30O $10.04H $10.19L $9.49C $9.96VOL 37.5K

RES: $9.75SUP: $6.76SMA50: $9.33SMA200: $9.03

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CPSS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CPSS Butterfly Map → + Track CPSS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.3%/yr Implied 5Y Growth

vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CPSS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CPSS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CPSS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPSS)

Financials Rank #407 of 1096 ⚔️ HKD vs CPSS Full Matrix →

1. Head-to-Head Financials Peer Comparison (CPSS vs. HKD, LIEN, BKKT, BGIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Consumer Portfolio Services Inc. (CPSS) ranks #407 by composite RQD confidence (63/100, grade C) and #873 by equity capitalization ($218.2M). Within this direct 5-issuer industry benchmark cohort, LIEN leads on earnings valuation at 6.3x trailing P/E, while LIEN leads on capital efficiency and profitability with 11.0% ROIC and — gross margin. CPSS currently leads its immediate peer cohort in composite quantitative strength at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CPSS ACTIVE Consumer Portfolio Services Inc.	C	63/100	11.3x	—	6.2%	+1.32%	$218.2M	Benchmark Subject
HKD AMTD Digital Inc. (every five of which represent two ) (Class A)	C-	59/100	—	—	—	0.00%	$218.3M	/hkd-vs-cpss →
LIEN Chicago Atlantic BDC Inc.	D	46/100	6.3x	—	11.0%	+0.33%	$208.8M	/lien-vs-cpss →
BKKT Bakkt Inc. (Class A)	E	34/100	—	—	-35.0%	-2.87%	$229.0M	/bkkt-vs-cpss →
BGIN Bgin Blockchain Limited (Class A)	D-	39/100	—	—	-35.0%	+1.68%	$205.9M	/bgin-vs-cpss →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000889609

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Consumer Portfolio Services Inc. (CPSS) reported GAAP revenue of $434.5M (+10.4% vs. FY2024 revenue of $393.5M , and +23.4% cumulative change since FY2023) , GAAP net income of $19.3M, operating cash flow of $289.0M, and free cash flow of $288.3M (+23.6% YoY). On the balance sheet, CPSS closed FY2025 with $3.86B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$434.5M	$19.3M	$289.0M	$288.3M	$3.86B	—
FY2024 (FY)	2024-12-31	$393.5M	$19.2M	$233.8M	$233.3M	$3.49B	—
FY2023 (FY)	2023-12-31	$352.0M	$45.3M	$238.0M	$238.0M	—	—

3. CPSS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CPSS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CPSS compare to HKD and LIEN in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CPSS?

Where is CPSS trading relative to its 50-day, 200-day, and 52-week technical levels?

CPSS last traded at $9.96 (+1.32% on volume of 30,385 shares), positioning the stock +6.75% above its 50-day simple moving average ($9.33) and +10.30% above its 200-day simple moving average ($9.03). Across its 52-week range of $7.46 to $10.49, CPSS sits at the 82.5% percentile with a 14-day RSI of 63.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.6% ($9.20 to $10.72).

CPSS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CPSS's next earnings date?

Based on SEC filing cadence, Consumer Portfolio Services Inc. (CPSS)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CPSS stock expected to move on earnings?

Volatility modeling currently projects a ±7.6% event move for CPSS, spanning a range between $9.2 and $10.72.

Direct Sub-Reports: CPSS RQD Cockpit CPSS 12M Forecast CPSS Earnings & Move CPSS Dividends & DRIP CPSS Insiders & 13F CPSS Whale Options CPSS Profit Sankey CPSS News & Why