Consumer Portfolio Services, Inc. (CPSS)

In the past six months, CPSS announced its Third Quarter 2025 earnings in November 2025, with reported EPS missing forecasts, leading to a stock price decline. Black Diamond Capital Management, L.L.C. announced its intent to vote against the CPSS Equity Incentive Plan. In October 2025, the company announced the closing of a Credit Facility and a Senior Subordinate Asset-Backed Securitization, and an analysis rated CPSS as a "Strong Sell." CPSS announced its Second Quarter 2025 earnings in August 2025 and a Senior Subordinate Asset-Backed Securitization in July 2025. In May 2025, CPSS announced its First Quarter 2025 earnings and completed a Securitization with a triple "A" rating. Overall, the share price experienced a decline, and insider selling activity has been noted.

The demand for Consumer Portfolio Services' products and services is highly cyclical and influenced by broader economic conditions. Demand for their indirect automobile financing tends to be higher during economic downturns and lower during periods of strong economic growth.

Consumer Portfolio Services, Inc. (CPSS) operates in the Financial Services sector, specifically in the Credit Services industry, purchasing and servicing retail automobile contracts originated by franchised and independent automobile dealerships across the United States. CPSS provides financing for customers who may not qualify for traditional financing due to credit problems, low incomes, or limited credit histories, funding contract purchases through securitization markets and managing the contracts throughout their lifespan.

Consumer Portfolio Services, Inc.'s operational headquarters are located in Irvine, California, and it maintains four additional servicing branches in Nevada, Virginia, Florida, and Illinois. CPSS has established dealer relationships in 48 states across the United States.

Consumer Portfolio Services' brand reputation appears mixed, with an A+ rating from the Better Business Bureau contrasting with negative customer feedback on platforms like Trustpilot and WalletHub, citing issues such as poor customer service and aggressive collection practices. The company has been described as operating in a volatile and high-risk sector with deteriorating fundamentals, which could negatively impact its reputation among investors.

Consumer Portfolio Services, Inc. has significant institutional ownership, with major institutional owners including Black Diamond Capital Management, L.L.C., Dimensional Fund Advisors L.P., and BlackRock, Inc. Key individual insider owners include Charles E. Bradley Jr., William B. Roberts, and Teri L. Robinson.