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

MoatMap's StockRank for Consumer Portfolio Services, Inc. (CPSS) is 53/100, with a Hold signal. This is a composite score combining Quality (34), Value (49), and Momentum (63) factor ranks across MoatMap's 20,000+ stock universe.

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 53/100. 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

HOLD

Consumer Portfolio Services, Inc. · Financial Services · United States · $205M · Avg Vol: $237K/d

StockRank

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P/E (TTM)

10.6x

ROE

6.6%

D/E

11.7x

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%	202.7M
EPS	4.10	2.17	0.90	0.88	-40.1%	0.85
Shares	20.1M	21.2M	21.4M	21.8M	+8.5%	21.7M
Debt	2.5B	2.6B	3.1B	3.5B	12.2%	3.7B
Equity	228.4M	274.7M	292.8M	309.5M	10.7%	—
Op CF	215.9M	238.0M	233.8M	289.0M	10.2%	298.9M
Inv CF	-713.9M	-359.5M	-769.7M	-590.1M	—	—
Fin CF	484.2M	84.2M	547.9M	335.9M	—	—

Loading 1Y...

PRICE (1Y)-1.4%

SMA 50SMA 200

$9.45

RSI (14)

52.9

52W High

$10.49

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*23.5

ROE

6.6%33.0

GP/Assets

5.3%60.3

Op. Margin

15.4%34.2

FCF/Assets

—N/A

Piotroski

320.3

Int. Cover

—N/A

D/E Ratio

11.73x1.2

Current Ratio

2.79x67.3

Value

P/E (TTM)

10.6x67.3

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.6x88.1

P/S

1.0x88.9

Div Yield

—N/A

Momentum

52W High %

90%40.9

RS 6M

7%72.3

SMA 50/200

1.09x72.3

EPS Rev 4W

0.0%69.8

EPS Rev 12W

—N/A

EPS Improve

+71%78.6

Q Growth

18%53.3

FUNDAMENTALS

Market Cap

$205M

P/E (Forward)

6.2x

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)	$205M	53	HOLD
MFIN	Medallion Financial Corp.	$226M	57	HOLD
LPRO	Open Lending Corporation	$373M	58	HOLD
FOA	Finance of America Companies Inc.	$204M	33	SELL
OPRT	Oportun Financial Corporation	$257M	37	HOLD
GDOT	Green Dot Corporation	$753M	62	HOLD
WRLD	World Acceptance Corporation	$950M	61	HOLD
PRAA	PRA Group, Inc.	$648M	36	HOLD
PMTS	CPI Card Group Inc.	$224M	95	STRONG BUY
AGM-A	Federal Agricultural Mortgage Corporation	$1.6B	59	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

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

Consumer Portfolio Services, Inc. (CPSS) has a MoatMap StockRank of 53/100 based on Quality (34/100), Value (49/100), and Momentum (63/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$9.45
Market Cap	$205M
P/E (TTM)	10.55
P/E (Forward)	6.19
Price/Book	0.62
Return on Equity	6.6%
Debt/Equity	11.73x
Gross Margin	100.0%
Operating Margin	15.4%
Revenue Growth	7.9%

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 53/100, with a Hold signal. It is a composite of Quality (34), Value (49), and Momentum (63) factor ranks across MoatMap’s 20,000+ stock universe.
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 53/100. 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).