What is Consumer Portfolio Services, Inc.'s (CPSS) StockRank?

MoatMap's StockRank for Consumer Portfolio Services, Inc. (CPSS) is 43/100, with a Hold signal. This is a composite score combining Quality (34), Value (49), and Momentum (53) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Consumer Portfolio Services, Inc. have an economic moat?

Consumer Portfolio Services, Inc. (CPSS) has a Quality factor score of 34/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Consumer Portfolio Services, Inc. a buy, hold, or sell?

MoatMap's current signal for Consumer Portfolio Services, Inc. (CPSS) is Hold, based on a StockRank of 43/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Consumer Portfolio Services, Inc. in?

Consumer Portfolio Services, Inc. (CPSS) operates in the Financial Services sector, specifically the Credit Services industry (United States).

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CPSS

HoldHot Air

Consumer Portfolio Services, Inc. · Financial Services · United States · $203M · Avg Vol: $193K/d

StockRank

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P/E (TTM)

10.3x

ROE

6.9%

D/E

12.6x

Dividend %

—

COMPANY DESCRIPTION

Consumer Portfolio Services, Inc. is a specialty finance company that purchases and services subprime auto loan contracts from franchised and independent dealers across the United States. The company's competitive position is sustained by its proprietary credit underwriting models and a highly automated, nationwide dealer relationship network. CPSS operates as a niche player in the credit services sector, navigating the cyclical risks of subprime auto lending through disciplined risk-pricing and securitization.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	242.2M	205.4M	202.2M	202.4M	-5.8%	211.8M
EPS	4.10	2.17	0.90	0.88	-40.1%	0.91
Shares	20.1M	21.2M	21.4M	21.8M	+8.5%	21.6M
Debt	2.5B	2.6B	3.1B	3.5B	12.2%	4.0B
Equity	228.4M	274.7M	292.8M	309.5M	10.7%	—
Op CF	215.9M	238.0M	233.8M	289.0M	10.2%	350.5M
Inv CF	-713.9M	-359.5M	-769.7M	-590.1M	—	—
Fin CF	484.2M	84.2M	547.9M	335.9M	—	—

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PRICE (1Y)-4.4%

SMA 50SMA 200

$9.20

RSI (14)

49.2

52W High

$10.49

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*23.9

ROE

6.9%34.5

GP/Assets

5.5%59.5

Op. Margin

15.8%32.4

FCF/Assets

—N/A

Piotroski

321.0

Int. Cover

—N/A

D/E Ratio

12.61x1.0

Current Ratio

3.09x68.8

Value

P/E (TTM)

10.3x67.3

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.6x87.5

P/S

1.0x90.2

Div Yield

—N/A

Momentum

52W High %

88%39.4

RS 6M

6%65.3

SMA 50/200

1.04x54.0

EPS Rev 4W

0.0%27.7

EPS Rev 12W

0.0%38.4

EPS Improve

+59%76.4

Q Growth

30%61.5

FUNDAMENTALS

Market Cap

$203M

P/E (Forward)

6.5x

Gross Margin

100.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CPSS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CPSS	Consumer Portfolio Services, Inc.(you)	$203M	43	Hold
OPFI	OppFi Inc.	$602M	40	Hold
GDOT	Green Dot Corporation	$760M	42	Hold
FOA	Finance of America Companies Inc.	$166M	13	Strong Sell
PRAA	PRA Group, Inc.	$721M	34	Sell
RM	Regional Management Corp.	$300M	72	Buy
NAVI	Navient Corporation	$887M	35	Sell
MFIN	Medallion Financial Corp.	$274M	79	Buy
AGM-A	Federal Agricultural Mortgage Corporation	$1.7B	44	Hold
WRLD	World Acceptance Corporation	$878M	62	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Consumer Portfolio Services, Inc. (CPSS): Stock Score Summary

Consumer Portfolio Services, Inc. (CPSS) has a MoatMap StockRank of 43/100 based on Quality (34/100), Value (49/100), and Momentum (53/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$9.20
Market Cap	$203M
P/E (TTM)	10.33
P/E (Forward)	6.48
Price/Book	0.63
Return on Equity	6.9%
Debt/Equity	12.61x
Gross Margin	100.0%
Operating Margin	15.8%
Revenue Growth	18.9%

Consumer Portfolio Services, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Consumer Portfolio Services, Inc.’s (CPSS) StockRank?: MoatMap’s StockRank for Consumer Portfolio Services, Inc. (CPSS) is 43/100, with a Hold signal. It is a composite of Quality (34), Value (49), and Momentum (53) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Consumer Portfolio Services, Inc. have an economic moat?: Consumer Portfolio Services, Inc. (CPSS) has a Quality factor score of 34/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Consumer Portfolio Services, Inc. a buy, hold, or sell?: MoatMap’s current signal for Consumer Portfolio Services, Inc. (CPSS) is Hold, based on a StockRank of 43/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Consumer Portfolio Services, Inc. in?: Consumer Portfolio Services, Inc. (CPSS) operates in the Financial Services sector, specifically the Credit Services industry (United States).