Consumer Portfolio Services, Inc. (CPSS)

In the past six months, CPSS announced its Fourth Quarter and Full Year 2025 Earnings on March 10, 2026, followed by a conference call on March 11, 2026. The company also announced a $50.0 million securitization of residual interests on March 4, 2026, a $345.61 million Senior Subordinate Asset-Backed Securitization, and a new $900 million forward flow agreement in January 2026. The stock performance has seen a 3.85% increase over the last six months, with a year-to-date change of -15.82%. The stock's 52-week high was $10.51 and its 52-week low was $6.67.

Specific demand seasonality for Consumer Portfolio Services, Inc.'s products and services is not explicitly available. However, the subprime auto lending market is generally characterized by cyclicality, meaning its performance can fluctuate with broader economic conditions.

Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company focused on indirect automobile financing for individuals with challenging credit histories, operating in the Credit Services industry. CPSS purchases and services retail installment sales contracts primarily from franchised automobile dealerships for new and used vehicles, offering financing programs tailored to sub-prime customers and acquiring contracts through mergers, acquisitions, and purchases from non-affiliated lenders.

Consumer Portfolio Services, Inc. is headquartered in Irvine, California, and has four servicing branches in Nevada, Virginia, Florida, and Illinois. The company has dealer relationships across 48 states and serviced a managed portfolio of approximately $3.9 billion with around 220,000 active customers as of December 31, 2025.

Consumer Portfolio Services's brand reputation has mixed reviews, with customer reviews indicating issues such as high interest rates and aggressive calls. A Seeking Alpha analysis in October 2025 rated CPSS as a "Strong Sell," citing significant risks due to its position as a specialized subprime auto lender in a volatile market, cyclical financial performance, declining revenue and net income, extreme leverage, and rising subprime auto loan delinquencies.

Consumer Portfolio Services, Inc. has a diverse ownership structure including institutional investors, individual insiders, and the general public. Institutional ownership was approximately 56% as of late 2025, with key shareholders including Black Diamond Capital Management, L.L.C. (23.56%) and Dimensional Fund Advisors, L.P. (7.21%). Individual insiders, including CEO Charles E. Bradley, Jr. (18.92%), collectively control a substantial portion of the company's shares.