CPSS
Consumer Portfolio Services, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Neutral
-7/100
Last price
9.01
■ 0.00 (0.00%)
MARKET · —
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1D
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Open
—
Prev close
9.01
Day high
9.12
Day low
9.00
Volume
24.86K
Market cap
$197.37M
P/E (TTM)
9.90
52W range
7.39 – 10.49
Trailing performance
Returnvs SPY
1W
-0.44%
-2.4%
1M
-4.15%
-5.3%
3M
-1.96%
-6.5%
6M
+17.62%
-0.6%
YTD
-3.43%
-17.7%
1Y
+16.71%
+0.3%
3Y
-0.66%
-82.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CPSS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+575.70K
Net buying
Buy transactions
20
720.20K shares
Sell transactions
5
144.50K shares
Net transactions
+25
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
8.59M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Oct 1, 26 | ROBINSON TERI L Officer |
STOCK | 660 | $0 | Indirect |
| Sep 1, 26 | JACKSON NOEL Officer |
SELL | 7.50K | $69.83K | Direct |
| Sep 1, 26 | JACKSON NOEL Officer |
CONVERSION | 7.50K | $18.52K | Direct |
| Aug 26, 26 | BRADLEY CHARLES E JR Chief Executive Officer |
SELL | 125.00K | $1.18M | Direct |
| Aug 12, 26 | RALSTON CATRINA MARIE Officer |
SELL | 3.62K | $34.36K | Direct |
| Aug 10, 26 | RALSTON CATRINA MARIE Officer |
SELL | 1.38K | $13.14K | Direct |
| Aug 6, 26 | LAVIN MICHAEL T President |
CONVERSION | 135.83K | $430.90K | Direct |
| Aug 6, 26 | RAYHILL BRIAN J Director |
CONVERSION | 30.00K | $105.90K | Direct |
| Aug 6, 26 | LAVIN MICHAEL T President |
STOCK | 99.30K | $0 | Direct |
| Aug 5, 26 | BHARWANI DENESH Officer |
CONVERSION | 60.00K | $211.80K | Direct |
| Aug 5, 26 | TERRY CHRISTOPHER Officer |
CONVERSION | 60.00K | $211.80K | Direct |
| Aug 4, 26 | BAUMEISTER MICHELE L Officer |
CONVERSION | 30.00K | $105.90K | Direct |
| Aug 3, 26 | RALSTON CATRINA MARIE Officer |
CONVERSION | 30.00K | $105.90K | Direct |
| Aug 3, 26 | REYNOSO LISETTE Officer |
CONVERSION | 5.00K | $17.65K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BHARWANI DENESH |
Officer | 361.88K | Conversion of Exercise of derivative security |
BRADLEY CHARLES E JR |
Chief Executive Officer | 4.10M | Sale |
LAVIN MICHAEL T |
President | 504.12K | Conversion of Exercise of derivative security |
RAYHILL BRIAN J |
Director | 251.32K | Conversion of Exercise of derivative security |
ROBERTS WILLIAM B. |
Director | 485.70K | Sale |
ROBINSON TERI L |
Officer | — | Stock Gift |
SCHWEEN STEVEN HOWARD |
Officer | 157.10K | Conversion of Exercise of derivative security |
TERRY CHRISTOPHER |
Officer | 269.21K | Conversion of Exercise of derivative security |
WASHER GREGORY S |
Director | 436.11K | Sale |
WOOD DANIEL S |
Director | 213.74K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$197.37M
Enterprise value$4.21B
Revenue (TTM)$211.77M
Gross profit$211.77M
EBITDA—
Net income$21.61M
EPS (TTM)$0.91
Free cash flow—
Total cash$7.50M
Total debt$4.03B
Book value / share$14.90
Shares outstanding21.91M
Float8.72M
Short % of float1.70%
Dividend yield0.00%
Beta (5Y)1.14
Valuation & profitability ratios
Trailing P/E9.90
Forward P/E6.21
PEG ratio—
Price / sales—
Price / book0.60
EV / revenue19.89
EV / EBITDA—
Gross margin100.00%
Operating margin15.81%
Profit margin10.20%
Return on equity6.94%
Return on assets0.53%
Debt / equity1,261.02
Current ratio3.09
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $202.45M | $202.25M | $205.38M | $242.19M | +0.1% |
| Operating revenue | $202.45M | $202.25M | $205.38M | $242.19M | +0.1% |
| Selling, general & admin | $171.04M | $173.65M | $159.37M | $144.94M | -1.5% |
| Pre-tax income | $28.00M | $27.43M | $61.10M | $116.19M | +2.1% |
| Tax provision | $8.68M | $8.23M | $15.75M | $30.21M | +5.5% |
| Net income | $19.32M | $19.20M | $45.34M | $85.98M | +0.6% |
| Net income to common | $19.32M | $19.20M | $45.34M | $85.98M | +0.6% |
| Basic EPS | 0.88 | 0.90 | 2.17 | 4.10 | -2.2% |
| Diluted EPS | 0.80 | 0.79 | 1.80 | 3.23 | +1.3% |
| Basic shares | 21.89M | 21.29M | 20.90M | 20.96M | +2.8% |
| Diluted shares | 24.08M | 24.32M | 25.22M | 26.59M | -1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $6.32M | $11.71M | $6.17M | $13.49M | — | -46.0% |
| Accounts receivable | — | — | — | $649.00K | $2.27M | — |
| Property, plant & equipment | $771.00K | $943.00K | $1.37M | $1.66M | — | -18.2% |
| Total assets | $3.86B | $3.49B | $2.90B | $2.75B | — | +10.4% |
| Current debt | $324.87M | $410.90M | $234.03M | $285.33M | — | -20.9% |
| Long-term debt | $3.16B | $2.72B | $2.33B | $2.18B | — | +16.1% |
| Total debt | $3.48B | $3.13B | $2.57B | $2.47B | — | +11.3% |
| Total liabilities | $3.55B | $3.20B | $2.63B | $2.52B | — | +10.9% |
| Retained earnings | $286.38M | $267.06M | $247.86M | $202.51M | — | +7.2% |
| Shareholder equity | $309.54M | $292.77M | $274.67M | $228.39M | — | +5.7% |
| Net tangible assets | $309.54M | $292.77M | $274.67M | $228.39M | — | +5.7% |
| Shares issued | 21.84M | 21.43M | 21.17M | 20.13M | — | +1.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $19.32M | $19.20M | $45.34M | $85.98M | +0.6% |
| Depreciation & amortisation | $881.00K | $862.00K | $847.00K | $1.62M | +2.2% |
| Stock-based compensation | $2.67M | $2.96M | $3.46M | $4.43M | -9.7% |
| Change in working capital | $1.76M | $2.16M | $19.39M | $23.93M | -18.5% |
| Operating cash flow | $289.00M | $233.75M | $237.98M | $215.93M | +23.6% |
| Capital expenditure | -$709.00K | -$433.00K | -$559.00K | -$2.15M | -63.7% |
| Investing cash flow | -$590.12M | -$769.71M | -$359.53M | -$713.90M | +23.3% |
| Share buybacks | -$8.67M | -$12.83M | -$20.27M | -$46.10M | +32.4% |
| Financing cash flow | $335.93M | $547.92M | $84.19M | $484.21M | -38.7% |
| Free cash flow | $288.29M | $233.32M | $237.42M | $213.78M | +23.6% |
| End cash position | $172.21M | $137.40M | $125.43M | $162.79M | +25.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $57.14M | $52.27M | $50.11M | $49.32M | $51.06M | +9.3% |
| Operating revenue | $57.14M | $52.27M | $50.11M | $49.32M | $51.06M | +9.3% |
| Selling, general & admin | $46.39M | $42.51M | $41.72M | $41.57M | $42.48M | +9.1% |
| Pre-tax income | $9.04M | $8.03M | $7.22M | $7.03M | $6.95M | +12.5% |
| Tax provision | $2.80M | $2.49M | $2.24M | $2.18M | $2.15M | +12.5% |
| Net income | $6.23M | $5.54M | $4.98M | $4.85M | $4.80M | +12.5% |
| Net income to common | $6.23M | $5.54M | $4.98M | $4.85M | $4.80M | +12.5% |
| Basic EPS | 0.29 | 0.25 | 0.23 | 0.22 | 0.22 | +16.0% |
| Diluted EPS | 0.27 | 0.24 | 0.21 | 0.20 | 0.20 | +12.5% |
| Basic shares | 21.63M | 21.78M | 22.00M | 22.21M | 21.89M | -0.7% |
| Diluted shares | 23.48M | 23.53M | 23.76M | 24.05M | 24.18M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $7.50M | $6.94M | $6.32M | $9.39M | $15.77M | +8.0% |
| Property, plant & equipment | $1.26M | $1.34M | $771.00K | $882.00K | $1.04M | -5.7% |
| Total assets | $4.42B | $4.05B | $3.86B | $3.81B | $3.76B | +9.1% |
| Current debt | $679.90M | $467.14M | $324.87M | $340.64M | $395.60M | +45.5% |
| Long-term debt | $3.33B | $3.20B | $3.16B | $3.09B | $3.00B | +4.0% |
| Total debt | $4.01B | $3.67B | $3.48B | $3.44B | $3.39B | +9.3% |
| Total liabilities | $4.10B | $3.74B | $3.55B | $3.50B | $3.46B | +9.8% |
| Retained earnings | $298.16M | $291.92M | $286.38M | $281.40M | $276.55M | +2.1% |
| Shareholder equity | $319.25M | $314.35M | $309.54M | $307.56M | $303.10M | +1.6% |
| Net tangible assets | $319.25M | $314.35M | $309.54M | $307.56M | $303.10M | +1.6% |
| Shares issued | 21.60M | 21.70M | 21.84M | 22.14M | 22.22M | -0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $6.23M | $5.54M | $4.98M | $4.85M | $4.80M | +12.5% |
| Depreciation & amortisation | $249.00K | $225.00K | $176.00K | $207.00K | $249.00K | +10.7% |
| Stock-based compensation | $578.00K | $512.00K | $808.00K | $501.00K | $644.00K | +12.9% |
| Change in working capital | $26.11M | $4.12M | -$816.00K | $9.91M | -$12.25M | +533.4% |
| Operating cash flow | $106.09M | $83.78M | $75.75M | $84.92M | $54.46M | +26.6% |
| Capital expenditure | -$172.00K | -$796.00K | -$65.00K | -$49.00K | -$124.00K | +78.4% |
| Investing cash flow | -$446.29M | -$250.68M | -$97.87M | -$131.42M | -$166.72M | -78.0% |
| Share buybacks | -$2.46M | -$1.24M | -$2.55M | -$981.00K | -$5.14M | -99.1% |
| Financing cash flow | $334.99M | $180.10M | $42.43M | $38.23M | $88.95M | +86.0% |
| Free cash flow | $105.92M | $82.98M | $75.69M | $84.87M | $54.34M | +27.6% |
| End cash position | $180.20M | $185.41M | $172.21M | $151.89M | $160.17M | -2.8% |
Options analytics
Put / call volume
4.67
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
10.00
+11.0% from spot
ATM implied vol
25.0%
Nearest strike to spot
Skew (10% OTM)
+203.9%
Puts bid over calls
Call volume
6
Contracts, this expiry
Put volume
28
Contracts, this expiry
Heaviest call OI
5.00
0 contracts
Heaviest put OI
10.00
149 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Dec 2025 | 0.23 | 0.21 | -8.7% |
| Sep 2025 | 0.25 | 0.20 | -20.0% |
| Jun 2025 | 0.26 | 0.20 | -23.1% |
| Mar 2025 | 0.30 | 0.19 | -36.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders39.86%
Held by institutions45.33%
Institutions holding96
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
9.19
-1.95% from price
SMA 20
9.33
-3.45% from price
SMA 50
9.34
-3.50% from price
SMA 100
9.43
-4.45% from price
SMA 200
9.01
-0.01% from price
EMA 12
9.20
-2.04% from price
EMA 26
9.27
-2.83% from price
EMA 50
9.31
-3.19% from price
RSI (14)
43.8
Neutral
MACD (12,26,9)
-0.07
Hist -0.04
ATR (14)
0.37
4.12% of price
Realised vol 30D
40.1%
Annualised
Bollinger upper
9.77
20, 2σ
Bollinger lower
8.90
20, 2σ
50 / 200 cross
Golden
9.34 vs 9.01
Trend bias
Below 200
-0.01%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.25
Less volatile than market
Correlation to SPY
0.08
Largely independent
Realised vol 30D
40.1%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-22.1%
Peak to trough
Max drawdown 5Y
-69.0%
Peak to trough
ATR 14
0.37
4.12% of price
Beta (reported)
1.14
5Y monthly, from filing
Short interest
Shares short
161.00K
Prior 149.35K
Change vs prior
+7.8%
Shorts adding
% of float
1.70%
Normal
% of shares out
0.75%
Against total outstanding
Days to cover
6.9
Crowded exit
Float
8.72M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Apr 3, 20 | JMP Securities | MAINTAINED | — | Market Outperform |
| Jun 8, 18 | JMP Securities | UPGRADE | Market Perform | Market Outperform |
| Mar 16, 16 | JMP Securities | DOWNGRADE | Market Outperform | Market Perform |
| Feb 25, 16 | Jefferies | MAINTAINED | — | Buy |
| Jan 2, 15 | Jefferies | MAINTAINED | — | Buy |
| Sep 4, 14 | Jefferies | INITIATED | — | Buy |
| Jul 8, 14 | Compass Point | INITIATED | — | Buy |
| May 7, 14 | JMP Securities | MAINTAINED | — | Market Outperform |
| Jun 12, 13 | JMP Securities | INITIATED | — | Market Outperform |
| May 24, 13 | Stephens & Co. | INITIATED | — | Equal-Weight |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split2:1
Split dateMar 15, 1996
SEC filings
Proxy Statements
DEF 14A · 2026-09-30
Corporate Changes & Voting Matters
8-K · 2026-08-25
Corporate Changes & Voting Matters
8-K · 2026-08-21
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-07-14
Annual report of employee stock purchase
11-K · 2026-06-29
Headlines
Consumer Portfolio Services Insider Sold Shares Worth $1,182,500, According to a Recent SEC Filing
MT Newswires · 37d ago
CPS Announces $80.0 Million Securitization of Residual Interests
GlobeNewswire · 50d ago
Consumer Portfolio Services Inc (CPSS) (Q2 2026) Earnings Call Highlights: Record Originations ...
GuruFocus.com · 62d ago
Consumer Portfolio Services Q2 Earnings Call Highlights
MarketBeat · 63d ago
CPS Announces Second Quarter 2026 Earnings
GlobeNewswire · 64d ago
CPS to Host Conference Call on Second Quarter 2026 Earnings
GlobeNewswire · 65d ago
CPS Announces $716.88 Million Senior Subordinate Asset-Backed Securitization
GlobeNewswire · 77d ago
Consumer Portfolio Services Secures Higher Credit Facility Limit
MT Newswires · 89d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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