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Consumer Portfolio Services Inc. (CPSS) 12-Month Stock Forecast & Price Target Cone

$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

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 →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your CPSS Position Size: $10,000

Shares at $9.96: 1004.0 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $7.94

$7,972

$-2,028 (-20.3%)

12M Consensus BaseTarget $10.18

$10,221

+$221 (+2.2%)

12M Bull Case BreakoutTarget $12.01

$12,058

+$2,058 (+20.6%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$11	74%	A
Goldman SachsSector Coverage Lead	BUY	$11	69%	B
JP MorganUS Large-Cap Research	HOLD	$9	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CPSS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

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?

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.

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).

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.

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

What is CPSS's 12-month stock price target?

Consumer Portfolio Services Inc. (CPSS) carries a 12-month consensus base price target of $10.18 (+2.2% from $9.96), with a bull-case target of $12.01 and a bear-case floor of $7.94.

Is CPSS stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates CPSS C (Hold — HOLD) with an RQD Confidence score of 63/100.

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