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

Consumer Portfolio Services, Inc. (CPSS) has a MoatMap StockRank of 60/100 based on Quality (39/100), Value (47/100), and Momentum (59/100) factor scores. The current signal is HOLD. Consumer Portfolio Services is a subprime auto finance company. It is highly cyclical, capital-intensive, and exposed to severe credit risk, violating our core quality filters.

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.

Key Financial Metrics

Price$9.24
Market Cap$214M
P/E (TTM)10.86
P/E (Forward)6.37
Price/Book0.64
Return on Equity6.6%
Debt/Equity1172.90
Gross Margin100.0%
Operating Margin15.4%
Revenue Growth7.9%

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 60/100, with a Hold signal. It is a composite of Quality (39), Value (47), and Momentum (59) factor ranks across MoatMap’s 19,000+ stock universe.
Does Consumer Portfolio Services, Inc. have an economic moat?
Consumer Portfolio Services, Inc. (CPSS) has a Quality factor score of 39/100. 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 60/100. 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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