CPSS
Consumer Portfolio Services, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Last price
9.30
▲ 0.04 (0.43%)
MARKET · —
Price
Open
9.31
Prev close
9.26
Day high
9.32
Day low
9.26
Volume
8.70K
Market cap
$200.46M
P/E (TTM)
10.22
52W range
6.67 – 10.49
Trailing performance
Returnvs SPY
1W
-2.21%
-0.8%
1M
-1.38%
-5.1%
3M
-5.58%
-8.7%
6M
+11.78%
+0.7%
YTD
-0.32%
-12.6%
1Y
+10.85%
-9.2%
3Y
-2.41%
-76.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$200.46M
Enterprise value$4.22B
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 outstanding21.55M
Float8.59M
Short % of float1.45%
Dividend yield—
Beta (5Y)1.11
Valuation & profitability ratios
Trailing P/E10.22
Forward P/E6.41
PEG ratio—
Price / sales—
Price / book0.62
EV / revenue19.92
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 | 2020 |
|---|---|---|---|---|
| Total revenue | $434.47M | $393.51M | $0 | $271.16M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $19.32M | $19.20M | $45.34M | $21.68M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2020 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2020 |
|---|---|---|---|---|
| Net income | $19.32M | $19.20M | $45.34M | $21.68M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 insiders31.59%
Held by institutions46.39%
Institutions holding98
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+680.04K
Net buying
Buy transactions
18
712.04K shares
Sell transactions
4
32.00K shares
Net transactions
+22
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
6.81M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| 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 |
STOCK | 99.30K | $0 | Direct |
| Aug 6, 26 | RAYHILL BRIAN J Director |
CONVERSION | 30.00K | $105.90K | Direct |
| Aug 6, 26 | LAVIN MICHAEL T President |
CONVERSION | 135.83K | $430.90K | 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 | ROBINSON TERI L Officer |
STOCK | 43.59K | $0 | 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 |
| Aug 3, 26 | ROBINSON TERI L Officer |
CONVERSION | 60.00K | $211.80K | Direct |
| Jul 24, 26 | WOOD DANIEL S Director |
CONVERSION | 30.00K | $105.90K | Direct |
| Jul 2, 26 | ROBINSON TERI L Officer |
STOCK | 660 | $0 | Indirect |
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 | 3.92M | Conversion of Exercise of derivative security |
HARTON JOHN PATRICK |
Officer | 255.60K | Sale |
LAVIN MICHAEL T |
President | 504.12K | Stock Gift |
RAYHILL BRIAN J |
Director | 251.32K | Conversion of Exercise of derivative security |
ROBERTS WILLIAM B. |
Director | 485.70K | Sale |
ROBINSON TERI L |
Officer | 539.39K | Stock Gift |
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 |
Moving averages & technicals
SMA 10
9.33
-0.29% from price
SMA 20
9.39
-0.93% from price
SMA 50
9.41
-1.20% from price
SMA 100
9.28
+0.21% from price
SMA 200
8.89
+4.56% from price
EMA 12
9.33
-0.28% from price
EMA 26
9.36
-0.62% from price
EMA 50
9.36
-0.61% from price
RSI (14)
48.5
Neutral
MACD (12,26,9)
-0.03
Hist -0.02
ATR (14)
0.29
3.11% of price
Realised vol 30D
36.1%
Annualised
Bollinger upper
9.72
20, 2σ
Bollinger lower
9.05
20, 2σ
50 / 200 cross
Golden
9.41 vs 8.89
Trend bias
Above 200
+4.56%
Risk profile
Beta vs SPY
0.29
Less volatile than market
Correlation to SPY
0.09
Largely independent
Realised vol 30D
36.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-22.1%
Peak to trough
Max drawdown 5Y
-69.0%
Peak to trough
ATR 14
0.29
3.11% of price
Beta (reported)
1.11
5Y monthly, from filing
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.
Options analytics
Put / call volume
—
—
Put / call open interest
0.00
Positioning, not flow
Max pain
10.00
+7.5% from spot
ATM implied vol
197.7%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
10.00
10 contracts
Heaviest put OI
—
—
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.
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.
Headlines
CPS Announces $80.0 Million Securitization of Residual Interests
GlobeNewswire · 4d ago
Consumer Portfolio Services Inc (CPSS) (Q2 2026) Earnings Call Highlights: Record Originations ...
GuruFocus.com · 17d ago
Consumer Portfolio Services Q2 Earnings Call Highlights
MarketBeat · 17d ago
CPS Announces Second Quarter 2026 Earnings
GlobeNewswire · 18d ago
CPS to Host Conference Call on Second Quarter 2026 Earnings
GlobeNewswire · 19d ago
CPS Announces $716.88 Million Senior Subordinate Asset-Backed Securitization
GlobeNewswire · 31d ago
Consumer Portfolio Services Secures Higher Credit Facility Limit
MT Newswires · 44d ago
CPS Announces Renewal And Capacity Increase Of Credit Facility
GlobeNewswire · 44d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.