Consumer Portfolio Services, Inc. (CPSS)

CPSS announced an amendment to its revolving credit agreement with Capital One, N.A., increasing the facility's capacity to $390 million. It also announced its fourth-quarter and full-year 2025 earnings and a $50.0 million securitization of residual interests. CPSS initiated a new forward flow program with Valley Strong Credit Union, expected to expand annual origination volumes. However, the company's stock price has decreased, and originations have also seen a year-over-year decline.

The subprime auto lending industry experiences seasonal trends, with delinquency rates peaking in January and February. The first quarter typically sees increased auto sales due to tax refunds, which can improve losses, recoveries, and delinquencies for subprime lenders. The share of loans to subprime borrowers also increases from January to February.

Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company focused on indirect automobile financing for sub-prime customers. It operates in the Financial sector, offering various financing programs tailored to different credit risks.

Consumer Portfolio Services, Inc. is headquartered in Irvine, California, with executive offices in Las Vegas, Nevada. It services automobile contracts from branches in California, Nevada, Virginia, Florida, and Illinois, and has dealer relationships in 48 states across the United States.

Consumer Portfolio Services, Inc.'s brand reputation has faced challenges, with negative customer feedback and complaints filed with the Better Business Bureau (BBB). Analyst sentiment is cautious, with Seeking Alpha rating CPSS as a "Strong Sell" and MarketBeat indicating a "Sell" consensus rating.

Consumer Portfolio Services, Inc. has a significant institutional ownership base, with major holders including Black Diamond Capital Management I, LLLP, and Dimensional Fund Advisors Lp. Institutional ownership was approximately 56% as of late 2025. Executive officers and directors collectively own nearly 28% of the company, with Charles E. Bradley, Jr. being a key individual holder.