Consumer Portfolio Services, Inc. (CPSS)

In the past six months, CPSS's stock has been impacted by several events, including Q3 2025 earnings that missed estimates, a sale of shares by Director William B. Roberts, and changes in institutional investor positions. The stock price crossed above its 200-day moving average, and Weiss Ratings reissued a "sell" rating. The company approved a 2025 Equity Incentive Plan and announced a Senior Subordinate Asset-Backed Securitization and a new Forward Flow Agreement.

The provided information indicates that the company's financial performance is highly cyclical. As a specialized subprime auto lender, CPSS is particularly vulnerable to broader economic downturns, suggesting that demand for its financing products would likely decrease during periods of economic contraction and increase during economic expansion.

Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company in the Financials sector, focusing on purchasing and servicing retail automobile contracts for sub-prime customers. CPSS provides indirect financing through franchised and independent auto dealers and acquires installment contracts through mergers and acquisitions. The company offers various financing programs tailored to different credit risk profiles and also provides direct lending to sub-prime consumers.

Consumer Portfolio Services, Inc. operates across the United States, maintaining dealer relationships in 48 states. The company's operational headquarters are located in Irvine, California, with its principal executive offices in Las Vegas, Nevada. CPSS services its automobile contracts through branches situated in California, Nevada, Virginia, Florida, and Illinois.

Consumer Portfolio Services' brand reputation has faced challenges in the past year. A Seeking Alpha analysis rated CPSS as a "Strong Sell" due to deteriorating fundamentals, extreme leverage, and rising subprime auto loan delinquencies. Weiss Ratings also reissued a "sell" rating for CPSS shares.

Consumer Portfolio Services, Inc. has a significant portion of its stock owned by insiders, accounting for 63.70%. CEO Charles E. Bradley Jr. is a major individual owner, holding 18.65% of the equities. Institutional investors collectively own 47.57% of the stock. Major institutional owners include Black Diamond Capital Management I LLLP, DFA Australia Ltd., BlackRock Advisors LLC, and Vanguard Fiduciary Trust Co.