Consumer Portfolio Services, Inc. (CPSS)
Nasdaq · Finance Services · Finance, insurance and real estate · CIK 889609 · fiscal year ends in Dec
Closing price $10.16 on 30 Oct 2026; 52-week range $7.53 to $10.30.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $475.0M
- Revenue growth
- 10.4%
- Net income, last twelve months
- $23.7M
- Earnings per share
- $1.02
- Operating margin
- 7.2%
- Net margin
- 5.0%
- Free cash flow
- $358.8M
- Return on equity
- 7.3%
- Market value
- $222.5M
- Price to earnings
- 10.0x
- Cash
- $5.1M
- Debt
- $961.3M
- Debt to equity
- 2.96
- Shares outstanding
- 21.9M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $434.5M | $28.0M | $19.3M | $0.80 | $288.3M | 10-K filed 16 Mar 2026 |
| FY2024 | 31 Dec 2024 | $393.5M | $27.4M | $19.2M | $0.79 | $233.3M | 10-K filed 12 Mar 2025 |
| FY2023 | 31 Dec 2023 | $352.0M | $61.1M | $45.3M | $1.80 | $237.4M | 10-K filed 15 Mar 2024 |
| FY2022 | 31 Dec 2022 | $329.7M | $116.2M | $86.0M | $3.23 | $213.8M | 10-K filed 15 Mar 2023 |
| FY2021 | 31 Dec 2021 | $267.8M | $65.7M | $47.5M | $1.84 | $196.2M | 10-K filed 16 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q3 FY2026 | 30 Sep 2026 | $131.9M | $7.0M | $0.30 |
| Q2 FY2026 | 30 Jun 2026 | $121.4M | $6.2M | $0.27 |
| Q1 FY2026 | 31 Mar 2026 | $112.3M | $5.5M | $0.24 |
| Q4 FY2025 | 31 Dec 2025 | $109.4M | $5.0M | $0.21 |
| Q3 FY2025 | 30 Sep 2025 | $108.4M | $4.9M | $0.20 |
| Q2 FY2025 | 30 Jun 2025 | $109.8M | $4.8M | $0.20 |
| Q1 FY2025 | 31 Mar 2025 | $106.9M | $4.7M | $0.19 |
| Q4 FY2024 | 31 Dec 2024 | $105.3M | $5.1M | $0.21 |
Company events
The newest 8-K filings of 310 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 23 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 21 Oct 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 13 Oct 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 25 Aug 2026 | 8-K | Investor update | 7.01, 9.01 |
| 21 Aug 2026 | 8-K | Other events | 8.01, 9.01 |
| 4 Aug 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Jul 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 14 Jul 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 20 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 5 May 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Apr 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 9 Apr 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
Every filing
The newest filings with the SEC of 799 held.
| Filed | Form | Period |
|---|---|---|
| 30 Oct 2026 | 10-Q | 30 Sep 2026 |
| 23 Oct 2026 | 8-K | 22 Oct 2026 |
| 21 Oct 2026 | 8-K | 21 Oct 2026 |
| 13 Oct 2026 | 8-K | 9 Oct 2026 |
| 5 Oct 2026 | ABS-15G | 5 Oct 2026 |
| 30 Sep 2026 | ARS | 31 Dec 2025 |
| 30 Sep 2026 | DEF 14A | 27 Oct 2026 |
| 25 Aug 2026 | 8-K | 25 Aug 2026 |
| 21 Aug 2026 | 8-K | 18 Aug 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 4 Aug 2026 | 8-K | 4 Aug 2026 |
| 24 Jul 2026 | 8-K | 22 Jul 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 1 Sep 2026 | Jackson Noel, Sr. Vice President | Sale outside a trading plan | 7,500 | $9.31 | $69.8K | 0 | 3 Sep 2026 |
| 26 Aug 2026 | Bradley Charles E Jr, CEO | Sale outside a trading plan | 125,000 | $9.46 | $1.2M | 4,099,545 | 28 Aug 2026 |
| 12 Aug 2026 | Ralston Catrina Marie, Sr. Vice President | Sale outside a trading plan | 3,617 | $9.50 | $34.4K | 68,262 | 14 Aug 2026 |
| 10 Aug 2026 | Ralston Catrina Marie, Sr. Vice President | Sale outside a trading plan | 916 | $9.50 | $8.7K | 71,879 | 11 Aug 2026 |
| 7 Aug 2026 | Ralston Catrina Marie, Sr. Vice President | Sale outside a trading plan | 467 | $9.50 | $4.4K | 72,795 | 11 Aug 2026 |
| 16 Jun 2026 | Jackson Noel, Sr. Vice President | Sale outside a trading plan | 7,000 | $9.63 | $67.4K | 0 | 17 Jun 2026 |
| 13 Mar 2026 | Wood Daniel S, Director | Sale outside a trading plan | 20,000 | $7.53 | $150.6K | 194,943 | 17 Mar 2026 |
| 4 Dec 2025 | Roberts William B, Director | Sale outside a trading plan | 100,000 | $8.69 | $869.0K | 485,702 | 8 Dec 2025 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 16 Mar 2026 | WOOD DANIEL S, Director | 20,000 | $150.6K | 16 Mar 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 13 Nov 2025 | Black Diamond Capital Management I, LLLP | 13D amended | 23.2% | 5.1M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 171.8K | +6.02% | 6.19 |
| 30 Sep 2026 | 162.0K | +0.63% | 5.37 |
| 15 Sep 2026 | 161.0K | -0.64% | 5.29 |
| 31 Aug 2026 | 162.0K | +8.49% | 10.17 |
| 14 Aug 2026 | 149.4K | +8.74% | 9.31 |
| 31 Jul 2026 | 137.4K | +0.07% | 6.63 |
| 15 Jul 2026 | 137.3K | +6.05% | 6.21 |
| 30 Jun 2026 | 129.4K | -8.45% | 3.64 |
Funds that hold it
From each fund's latest Form 13F.
66 funds held it at 30 Jun 2026: 27 added and 16 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Black Diamond Capital Management I, LLLP | 5,127,165 | $49.2M | 0 |
| Dimensional Fund Advisors LP | 1,570,303 | $15.1M | +4,373 |
| BlackRock, Inc. | 656,330 | $6.3M | +21,740 |
| Vanguard Capital Management LLC | 415,823 | $4.0M | +2,258 |
| Bridgeway Capital Management, LLC | 395,611 | $3.8M | 0 |
| Renaissance Technologies LLC | 339,958 | $3.3M | -16,200 |
| Geode Capital Management, LLC | 225,929 | $2.2M | +7,452 |
| State Street Corp. | 195,842 | $1.9M | +41 |
| Empowered Funds, LLC | 151,758 | $1.5M | 0 |
| Allianz Asset Management GmbH | 90,401 | $867.4K | -69,642 |
Peers
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