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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 66.4% FCF Margin ($288.3M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Consumer Portfolio Services Inc. (CPSS) advanced +1.32% to $9.96, trading at 83% of its 52-week range ($7.46 – $10.49). Solid steady margins (6% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Consumer Portfolio Services (NASDAQ:CPSS) reported higher third-quarter revenue, earnings and record originations as the company expanded its sales force and dealer network while maintaining what management described as
Consumer Portfolio Services, Inc. (CPSS) Q3 2026 Earnings Call October 26, 2026 1:00 PM EDTCompany ParticipantsCharles Bradley - CEO & ChairmanDenesh...
Consumer Portfolio Services just posted Q3 2026 results that extend its recent earnings rebuild, and the stock did not hesitate. Shares jumped 7.0% to US$9.90 in the first full session after the release, a sharp move for
LAS VEGAS (AP) — LAS VEGAS (AP) — Consumer Portfolio Services Inc. (CPSS) on Thursday reported net income of $7 million in its third quarter.
Diluted EPS up 50%; Net Income Increases 43%; Quarterly Loan Originations Grow by 109%; Total Portfolio Exceeds $4.7 Billion- Highest in Company HistoryLAS VEGAS, NV, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio
LAS VEGAS, Nevada, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that it will hold a conference call on Monday, October 26, 2026 at 1:00 p.m.
LAS VEGAS, Nevada, Oct. 21, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its fourth term securitization in 2026 on Wednesday October 21, 2026
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CPSS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CPSS. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why CPSS Stock advanced +1.32% Today — RQD Quant Desk Flash. Solid steady margins (6% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
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