Consumer Portfolio Services (CPSS)
Buys and services dealer-originated auto contracts for borrowers with weaker credit.
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Provides indirect vehicle financing by buying retail auto installment contracts from dealers and servicing them over time. The model is concentrated in the United States, earns primarily from interest on purchased contracts, and depends on credit performance, warehouse funding, securitization access, and consumer-finance compliance.
Purchases and services retail automobile installment contracts originated by franchised dealers and selected independent dealers. The single reportable segment is indirect vehicle financing for buyers with past credit problems or limited credit histories, with revenue primarily from interest on purchased contracts.
Uses dealer-facing credit programs such as Alpha, Alpha Plus, Super Alpha, Preferred, Standard, Meta, and Mercury / Delta to price and underwrite contract purchases. Collateral is mainly late-model used vehicles, and operations are concentrated in the United States through executive offices in Las Vegas and servicing or administrative functions across several states.
Funds contract growth through warehouse facilities, customer collections, and term asset-backed securitizations. Performance depends on dealer relationships, servicing execution, borrower credit outcomes, used-vehicle collateral values, capital-market access, and compliance with consumer-finance rules.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $7.5M · Total debt $4.01B · Total assets $4.42B · Shareholders' equity $319.2M
- Revenue
- $121.4M
- Operating income
- $73.3M
- Net income
- $6.2M
No dividends on record.
| Institutions | 45.52% | 9.88M shares | |
|---|---|---|---|
| 65 holders · as of Jun 30, 2026 | |||
| Insiders | 15.38% | 3.34M shares | |
| 17 holders · as of Aug 14, 2026 | |||
| Other | 39.10% | 8.48M shares | |
| remainder | |||
21.70M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Black Diamond Capital Management I, LLLPInstitution | 23.63% | 5.13M | as of Jun 30, 2026 |
UBS Group AG directly and on behalf of certain subsidiariesInstitution | 9.17% | 1.99M | filed Feb 15, 2019 |
Dimensional Fund Advisors LPInstitution | 7.24% | 1.57M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 3.02% | 656,330 | as of Jun 30, 2026 |
Teri RobinsonInsiderofficer: Exec. Vice President | 2.49% | 539,393 | filed Aug 5, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 1, 2026 | Noel Jackson | officer: Sr. Vice President | −7,500 | $9.31 |
| Aug 26, 2026 | Charles E. Jr Bradley | director, 10 percent owner, officer: CEO | −125,000 | $9.46 |
| Aug 12, 2026 | Catrina Marie Ralston | officer: Sr. Vice President | −3,617 | $9.50 |
| Aug 10, 2026 | Catrina Marie Ralston | officer: Sr. Vice President | −916 | $9.50 |
| Aug 7, 2026 | Catrina Marie Ralston | officer: Sr. Vice President | −467 | $9.50 |
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Consumer Portfolio Services | $9.64 | +0.21% | $208.7M | 10.6 | — | 0.5 | +10.6% |
| Credit Acceptance | $566.35 | +0.70% | $5.90B | 12.4 | 10.9 | 2.5 | +2.1% |
| Ally Financial | $39.07 | 0.00% | $12.13B | 9.4 | 6.5 | 0.8 | −0.3% |
| Banco Santander (ADR) | $14.50 | +0.03% | $214.60B | 12.4 | 10.5 | 2.1 | +6.2% |
| Capital One | $200.80 | +0.08% | $125.72B | 12.7 | 9.2 | 1.6 | +26.0% |
| General Motors | $83.48 | +0.02% | $75.93B | 42.4 | 5.9 | 0.4 | +1.9% |
| Ford | $13.10 | 0.00% | $52.56B | — | 7.4 | 0.3 | −3.8% |
| OneMain | $59.00 | −0.10% | $6.98B | 9.1 | 7.5 | 1.1 | −15.5% |
| Median | 12.4 | 7.5 | 1.1 | +1.9% |