Consumer Portfolio Services, Inc. (CPSS)

Over the past six months, CPSS stock has been impacted by several events. CPSS announced its first-quarter 2026 earnings, reporting a 22% increase in EPS to $0.24 and a 5% rise in revenue to $112.3 million year-over-year, the stock dipped by 2.8% in premarket trading. CPSS closed a $514.07 million senior subordinate asset-backed securitization and a $50.0 million securitization of residual interests. CPSS announced an increase in its credit facility capacity. CPSS announced its fourth-quarter and full-year 2025 earnings and hosted a conference call to discuss these earnings. CPSS began a new forward flow program with Valley Strong Credit Union, expected to expand annual origination volumes and allow CPSS to serve prime credit borrowers.

Information explicitly detailing demand seasonality for Consumer Portfolio Services, Inc.'s products and services is not available. The subprime auto lending market, in which CPSS operates, is generally considered cyclical and highly sensitive to broader economic conditions, such as interest rates and consumer confidence.

Consumer Portfolio Services, Inc. (CPSS) is a specialty finance company focused on indirect automobile financing, operating in the sub-prime market since 1991. The company purchases and services retail automobile installment contracts originated by franchised and independent auto dealers across the U.S., primarily for late-model used vehicles. CPSS also provides loan servicing and portfolio management, utilizing technology like AI and machine learning to improve underwriting and servicing.

Consumer Portfolio Services, Inc. has a broad geographic footprint across the United States, collaborating with a network of automobile dealers in 48 states. The company's operational headquarters are in Irvine, California, with servicing branches in Nevada, Virginia, Florida, and Illinois. Historically, the company's outstanding managed portfolio has shown geographic concentrations in states such as California and Texas.

Consumer Portfolio Services, Inc.'s brand reputation has faced challenges, evidenced by a significant number of customer complaints. The Better Business Bureau (BBB) has recorded 262 complaints against the company in the last three years, with 94 complaints closed in the last 12 months. Common themes include aggressive and unprofessional communication, payment and fee issues, loan servicing and repossession concerns, and a lack of flexibility.

Consumer Portfolio Services, Inc. has a significant institutional ownership base, with 56 institutional owners holding a total of 10,294,861 shares, representing approximately 56% ownership. Major institutional owners include Black Diamond Capital Management I, LLLP, Dimensional Fund Advisors LP, and BlackRock, Inc. Key individual owners include Charles E. Bradley Jr., the founder and Chairman, Levine Leichtman Capital Partners IV LP, and Second Curve Capital LLC. Executive officers and directors collectively own nearly 28% of the company.