TICKERNERD
Menu
CPSSCPSSFinancial Services · Credit Services

CPSS Stock Forecast: Consumer Portfolio Services, Inc. Price Predictions for 2026-2027

Last close, 14 Oct 2026
$9.07
−0.98% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 59 of 100 as at 14 Oct 2026 — in the upper half.

Market cap
$200.7M
Ticker Nerd rank
59 / 100
Median analyst target
—
Analysts covering
0
Revenue$57.1M+11.9% y/y
Net income$6.2M
Free cash flow$105.9M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−4.1%
1M
−5.0%
YTD
−2.8%
1Y
+21.7%
From 52W high
−11.9%
From 52W low
+22.7%
$7
$10
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CPSS stock analysis: one number for the whole business

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.

Where the model ranks itAs at 14 Oct 2026
59 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth
92
Volatility
90
Value
79
Momentum
78
Size
67
Quality
47
Issuance
38
Revisions
25
Accruals
16

Growth (92): Sales and profits are climbing, and climbing faster than before.

Accruals (16): 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 quant trader with fourteen years in markets.

Wall Street

CPSS stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CPSS, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$7$8$8$9$9$10$10$11Jan 26Apr 26Jul 26Oct 26CPSS

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

Recent analyst actionsNewest first
DateFirmActionRatingTarget
3 Apr 2020JMP SecuritiesMaintainsMarket Outperform$6.00 → $3.00
8 June 2018JMP SecuritiesUpgradeMarket Outperform—
16 Mar 2016JMP SecuritiesDowngradeMarket Perform—
25 Feb 2016JefferiesMaintainsBuy—
2 Jan 2015JefferiesMaintainsBuy—
4 Sept 2014JefferiesInitiatesBuy—
8 July 2014Compass PointInitiatesBuy—
7 May 2014JMP SecuritiesMaintainsMarket Outperform—
12 June 2013JMP SecuritiesInitiatesMarket Outperform—
24 May 2013Stephens & Co.InitiatesEqual-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.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CPSS appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

CPSS vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 14 Oct 2026, Consumer Portfolio Services, Inc. returned +21.7% against +17.5% for the S&P 500, dividends included.

CPSS vs S&P 500, last 12 monthsTotal return, rebased to 100
100110120130140Jan 26Apr 26Jul 26Oct 26CPSSS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CPSS analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
Analysts raising
0
Analysts cutting
0
Fundamentals

Consumer Portfolio Services, Inc. (CPSS) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
10.1×

Cheaper than 58% of US stocks

Price / sales
0.9×

Cheaper than 69% of US stocks

Price / book
0.6×

Cheaper than 81% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
18.9%

Higher than 68% of US stocks

Earnings growth (YoY)
30.0%

Higher than 65% of US stocks

Gross margin
—
Operating margin
15.8%

Higher than 74% of US stocks

Net margin
10.2%

Higher than 70% of US stocks

Returns & dividend
Return on equity
6.9%

Higher than 57% of US stocks

Return on assets
0.5%

Higher than 46% of US stocks

Dividend yield
0.0%

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.

Key statistics

Consumer Portfolio Services, Inc. (CPSS) statistics: revenue, profit & scale

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 $200.7M and an enterprise value of $4.2B.

  • Revenue in the twelve months to 30 June 2026: $208.8M. The latest quarter grew 18.9% 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.

  • Shares outstanding: 21.6M.

  • Trailing P/E: 10.1×; forward P/E: 6.3× — 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 994 people — $210K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 15 Oct 2026

Data provided by Twelve Data

Peers

CPSS vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
CPSSConsumer Portfolio Services, Inc.$200.7M
59
TROOTROOPS, Inc.$199.1M
22
MFINMedallion Financial Corp.$256.8M
68
FOAFinance of America Cos., Inc.$283.2M
22
PMTSCPI Card Group, Inc.$288.2M
100
RMRegional Management Corp.$307.4M
86
OPRTOportun Financial Corp.$401.6M
84

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 →

News

Latest CPSS news & analysis

CPS Announces Upsizing of Existing Credit Facility to Fund Accelerating Loan Origination Volume

GlobeNewsWire · 13 Oct 2026positive

Consumer Portfolio Services amended its two-year revolving credit agreement with Capital One, N.A., increasing the facility’s total capacity from $390 million to $518 million. The amendment applies to Capital One and the subordinate lender.

Why it matters — The expanded facility capacity is relevant to CPSS watchers because the company said the increase will fund accelerating loan origination volume.

CPS Announces $80.0 Million Securitization of Residual Interests

GlobeNewsWire · 18 Aug 2026neutral

Consumer Portfolio Services, Inc. announced the closing of an $80.0 million securitization of residual interests from previously issued securitizations. The transaction was announced on August 18, 2026.

Why it matters — The securitization provides additional funding and liquidity tied to CPS's existing securitization portfolio.

Consumer Portfolio Services, Inc. (CPSS) Q2 2026 Earnings Call Prepared Remarks Transcript

Seeking Alpha · 5 Aug 2026neutral

Seeking Alpha published the prepared-remarks transcript from Consumer Portfolio Services, Inc.'s Q2 2026 earnings call. The item is a transcript of the company's prepared commentary for the quarter.

Why it matters — CPSS watchers would care because the transcript provides management's own prepared remarks on the company's second-quarter results and operations.

Consumer Portfolio Services Q2 Earnings Call Highlights

MarketBeat · 5 Aug 2026positive

Consumer Portfolio Services reported sharply higher second-quarter loan originations and improved profitability as a subprime auto lender. Management credited an expanded sales force, added dealers, and what it described as disciplined underwriting standards for the results.

Why it matters — CPSS watchers would care because higher originations and better profitability signal growth and stronger operating performance in the company's core subprime auto lending business.

CPS Announces Second Quarter 2026 Earnings

GlobeNewsWire · 4 Aug 2026positive

Consumer Portfolio Services, Inc. announced second quarter 2026 earnings of $6.2 million, or $0.27 per diluted share, for the quarter ended June 30, 2026, a 30% increase in net income compared to $4.8 million in the second quarter of 2025. Earnings per diluted share increased by 35% compared to $0.20 in the prior-year quarter.

Why it matters — The company reported substantially higher quarterly net income and diluted earnings per share versus the same quarter a year earlier, marking a notable improvement in its financial results.

FAQ

Frequently asked questions about CPSS stock

How does Ticker Nerd's model rank CPSS?

As at 14 Oct 2026, Consumer Portfolio Services, Inc. ranks 59 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 Growth (92 of 100).

What is the CPSS stock forecast for 2030?

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.

How has CPSS stock performed over the past year?

Consumer Portfolio Services, Inc. returned +21.7% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Consumer Portfolio Services, Inc. do?

Consumer Portfolio Services, Inc. Common Stock represents Consumer Portfolio Services, Inc., a specialty finance company focused on indirect automobile financing in the United States.

What is the latest news on CPSS?

The most recent item we track (GlobeNewsWire, 13 Oct 2026): "CPS Announces Upsizing of Existing Credit Facility to Fund Accelerating Loan Origination Volume". Consumer Portfolio Services amended its two-year revolving credit agreement with Capital One, N.A., increasing the facility’s total capacity from $390 million to $518 million. The amendment applies to Capital One and the subordinate lender.

Company

About Consumer Portfolio Services, Inc.

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. · 994 employees · United States · https://www.consumerportfolio.com