Consumer Portfolio Services, Inc. (CPSS)

Consumer Portfolio Services, Inc. announced the closing of a $167.5 million credit facility and a $384.6 million senior subordinate asset-backed securitization on October 23, 2025. The company announced its Second Quarter 2025 earnings on August 11, 2025, and held a conference call on August 12, 2025. In May 2025, CPSS announced its First Quarter 2025 earnings and completed a $419.95 million senior subordinate asset-backed securitization. Insiders have sold $79,543.00 in company stock with no purchases in the past three months, and the stock price has decreased by 18.43% over the last year.

Demand for Consumer Portfolio Services' products and services exhibits some seasonality. Demand remains strong, but there is a slight decrease in the second quarter compared to the first quarter, which is attributed to the tax season in Q1.

Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company focused on indirect automobile financing, purchasing and servicing retail automobile contracts originated by franchised and select independent dealers across the U.S. They operate in the Finance sector, providing financing to customers who may not qualify for traditional loans and offer various financing programs based on credit risk, as well as direct vehicle purchase money loans.

Consumer Portfolio Services, Inc. is headquartered in Irvine, California, with servicing branches in Nevada, Virginia, Florida, and Illinois. The company has dealer relationships in 48 states across the United States.

Consumer Portfolio Services has faced negative feedback regarding its brand reputation, particularly concerning customer service and loan management practices. Customer reviews cite instances of rude and aggressive customer service representatives, alleged misinformation about payments, unhonored payment agreements, and improper repossession procedures.

Consumer Portfolio Services, Inc. has a diverse ownership structure, including institutional, insider, and retail investors. Major institutional owners include Black Diamond Capital Management, L.l.c., Dimensional Fund Advisors Lp, BlackRock, Inc., and Vanguard Group Inc. Black Diamond Capital Management LLC is the largest individual shareholder, holding 23.07% of the company's shares. Approximately 69.00% of the stock is held by insiders, and 47.57% by institutions.