CPSSFinancial Services · Credit ServicesTicker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 60 of 100 as at 3 Nov 2026 — in the upper half.
Consensus tells you what everyone already believes. The model scores Consumer Portfolio Services, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Volatility (90): The share price has been relatively steady.
Accruals (14): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on CPSS, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 3 Apr 2020 | JMP Securities | Maintains | Market Outperform | $6.00 → $3.00 |
| 8 June 2018 | JMP Securities | Upgrade | Market Outperform | — |
| 16 Mar 2016 | JMP Securities | Downgrade | Market Perform | — |
| 25 Feb 2016 | Jefferies | Maintains | Buy | — |
| 2 Jan 2015 | Jefferies | Maintains | Buy | — |
| 4 Sept 2014 | Jefferies | Initiates | Buy | — |
| 8 July 2014 | Compass Point | Initiates | Buy | — |
| 7 May 2014 | JMP Securities | Maintains | Market Outperform | — |
| 12 June 2013 | JMP Securities | Initiates | Market Outperform | — |
| 24 May 2013 | Stephens & Co. | Initiates | Equal-Weight | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
CPSS appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, Consumer Portfolio Services, Inc. returned +24.3% against +12.9% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 58% of US stocks
Cheaper than 69% of US stocks
Cheaper than 79% of US stocks
Higher than 74% of US stocks
Higher than 72% of US stocks
Higher than 74% of US stocks
Higher than 70% of US stocks
Higher than 57% of US stocks
Higher than 47% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Consumer Portfolio Services, Inc. has a market value of $213.5M and an enterprise value of $4.6B.
Revenue in the twelve months to 30 June 2026: $208.8M. The latest quarter grew 24.5% year on year.
Net income over the same four quarters: $21.6M, a 10.3% net margin.
Diluted earnings per share, trailing twelve months: $0.92.
Free cash flow in the twelve months to 30 June 2026: $349.5M.
Consumer Portfolio Services, Inc. spent $7.2M on share buybacks in the twelve months to 30 June 2026.
Trailing P/E: 9.8×; forward P/E: 6.8× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Consumer Portfolio Services, Inc. employs 1,010 people — $207K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Consumer Portfolio Services, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Seeking Alpha published the prepared remarks transcript for Consumer Portfolio Services, Inc.’s Q3 2026 earnings call.
Why it matters — The transcript provides CPSS watchers with the company’s prepared remarks for its quarterly earnings call.
Consumer Portfolio Services reported higher third-quarter revenue and earnings, along with record originations. Management attributed growth to an expanded sales force and dealer network while describing its credit approach as disciplined.
Why it matters — The results and record originations offer CPSS watchers an update on the company’s growth and credit approach.
Consumer Portfolio Services reported third-quarter 2026 diluted EPS up 50% and net income up 43%. Quarterly loan originations grew 109%, and its total portfolio exceeded $4.7 billion, a company record.
Why it matters — The reported earnings growth, higher originations, and record portfolio size are key operating updates for CPSS watchers.
Consumer Portfolio Services announced a conference call for October 26, 2026, at 1:00 p.m. ET to discuss its third-quarter 2026 operating results.
Why it matters — The call will provide CPSS watchers with a scheduled opportunity to hear the company discuss its quarterly results.
Consumer Portfolio Services announced the closing of its fourth term securitization of 2026, a $767.85 million senior subordinate asset-backed securitization. The company said it was its 61st senior subordinate securitization since 2011 and its 111th overall.
Why it matters — The transaction adds an update on CPS’s securitization activity and its consecutive record of senior-note triple-A ratings from at least two rating agencies.
As at 3 Nov 2026, Consumer Portfolio Services, Inc. ranks 60 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Volatility (90 of 100).
No analyst covering Consumer Portfolio Services, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CPSS are extrapolating price history, which says nothing about the business.
Consumer Portfolio Services, Inc. returned +24.3% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
Consumer Portfolio Services, Inc. Common Stock represents Consumer Portfolio Services, Inc., a specialty finance company focused on indirect automobile financing in the United States.
The most recent item we track (Seeking Alpha, 26 Oct 2026): "Consumer Portfolio Services, Inc. (CPSS) Q3 2026 Earnings Call Prepared Remarks Transcript". Seeking Alpha published the prepared remarks transcript for Consumer Portfolio Services, Inc.’s Q3 2026 earnings call.
Consumer Portfolio Services, Inc. Common Stock represents Consumer Portfolio Services, Inc., a specialty finance company focused on indirect automobile financing in the United States. The company purchases and services retail automobile contracts originated primarily by franchised and select independent auto dealers, helping provide financing solutions for buyers with limited credit histories, past credit challenges, or lower incomes. Its business supports the automotive retail market by giving dealers an additional funding source and expanding access to vehicle financing for consumers. Consumer Portfolio Services also works across multiple financing programs designed for different credit profiles, making it an established participant in the consumer auto finance sector. The company is headquartered in the United States and serves a broad network within the automotive lending market.
CEO Mr. Charles E. Bradley Jr. · 1,010 employees · United States · https://www.consumerportfolio.com
