What is the 13F Pro Quality Score for CPSS?

13F Pro ranks CONSUMER PORTFOLIO SERVICES, INC. (CPSS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CPSS's current score at https://13fpro.ai/company/CPSS (free sign-up required for the full ranking).

Where does 13F Pro source CPSS data?

All CONSUMER PORTFOLIO SERVICES, INC. fundamentals and ownership data come directly from SEC EDGAR. CONSUMER PORTFOLIO SERVICES, INC. files with the SEC under CIK 889609. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CPSS in?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CPSS research updated on 13F Pro?

CPSS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CONSUMER PORTFOLIO SERVICES, INC.(CPSS)Stock Analysis

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13F Pro Quality Score

46.1/100

Rank #1,846 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

63.4/100

Profitability

49.4/100

Balance Sheet

37.5/100

Earnings Quality

96.7/100

Free Cash Flow

98.9/100

Institutional Flow

23.0/100

Revenue Scale

35.3/100

Dilution Risk

67.8/100

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Why CPSS Scores 46/100

exact factor attribution · 2026-09-11

CPSS's composite is driven by free cash flow and earnings quality, held back by scale and earnings growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+7.3 pts

99th pct

Earnings quality

+4.7 pts

97th pct

Revenue growth

+3.6 pts

63th pct

Shareholder dilution

+1.2 pts

68th pct

Profitability

-0.1 pts

49th pct

Capital efficiency

-1.7 pts

38th pct

Institutional flow

-1.8 pts

23th pct

Earnings growth

-2.2 pts

18th pct

Scale

-2.9 pts

35th pct

Latest change (2026-08-07): 54 → 54 · ↑ Profit margin 46→55; ↑ Earnings growth 12→32; despite ↓ Revenue growth 68→52

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CPSS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CONSUMER PORTFOLIO SERVICES, INC. (CPSS), a Financials sector company. 13F Pro's AI-powered ranking engine scores CPSS at 46.1/100 on a 32-signal composite quality model, placing it at rank #1,846 of 2,962 stocks — the bottom half of the AI-ranked universe. CPSS scores in the top quartile across free cash flow (98.9), earnings quality (96.7). Areas of concern include institutional flow (23.0) and revenue scale (35.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), CONSUMER PORTFOLIO SERVICES, INC. reports quarterly revenue of $121.4M, net income of $6.2M, an operating margin of 7.4%. Top institutional holders of CPSS by reported 13-F value include Black Diamond Capital Management I, LLLP, DIMENSIONAL FUND ADVISORS, BlackRock, based on the most recent SEC filings. CPSS trades on the Nasdaq exchange and files with the SEC under CIK 889609. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CPSS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CONSUMER PORTFOLIO SERVICES, INC. directly from SEC EDGAR. CONSUMER PORTFOLIO SERVICES, INC.'s 13F Pro composite quality score has ranged between 45 and 58 since 2024, currently 46.1 — a declining long-term trajectory across 55 quarterly and live scoring snapshots.

Revenue

Q2 2026

$121.4M

Net Income

Q2 2026

$6.2M

Free Cash Flow

Q2 2026

$105.9M

Operating Margin

Q2 2026

7.4%

ROIC

Q2 2026

3.0%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.4% YoY

$434.5MFY 2025

FY22 $329.7MFY23 $352.0MFY24 $393.5MFY25 $434.5M

Net Income

+0.6% YoY

$19.3MFY 2025

FY22 $86.0MFY23 $45.3MFY24 $19.2MFY25 $19.3M

EPS (Diluted)

+1.3% YoY

$0.80FY 2025

FY22 $3.23FY23 $1.80FY24 $0.79FY25 $0.80

Total Assets

+10.4% YoY

$3.86BFY 2025

FY22 $2.75BFY23 $2.90BFY24 $3.49BFY25 $3.86B

Total Debt

-7.6% YoY

$500.7MFY 2025

FY22 $363.1MFY23 $301.8MFY24 $541.7MFY25 $500.7M

Op. Cash Flow

+23.6% YoY

$289.0MFY 2025

FY22 $215.9MFY23 $238.0MFY24 $233.8MFY25 $289.0M

Free Cash Flow

+23.6% YoY

$288.3MFY 2025

FY22 $213.8MFY23 $237.4MFY24 $233.3MFY25 $288.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$434.5M +10.4%	$393.5M +11.8%	$352.0M +6.8%	$329.7M +23.1%	$267.8M -1.2%	$271.2M
Net Income	$19.3M +0.6%	$19.2M -57.6%	$45.3M -47.3%	$86.0M +80.9%	$47.5M +119.2%	$21.7M
EPS (Diluted)	$0.80 +1.3%	$0.79 -56.1%	$1.80 -44.3%	$3.23 +75.5%	$1.84 +104.4%	$0.90
Total Assets	$3.86B +10.4%	$3.49B +20.3%	$2.90B +5.5%	$2.75B +27.5%	$2.16B +0.6%	$2.15B
Total Debt	$500.7M -7.6%	$541.7M +79.5%	$301.8M -16.9%	$363.1M +94.4%	$186.8M +11.6%	$167.4M
Operating Cash Flow	$289.0M +23.6%	$233.8M -1.8%	$238.0M +10.2%	$215.9M +8.9%	$198.2M -17.0%	$238.8M
Free Cash Flow	$288.3M +23.6%	$233.3M -1.7%	$237.4M +11.1%	$213.8M +9.0%	$196.2M -17.8%	$238.7M

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Available Research

13F Pro tracks comprehensive data for CONSUMER PORTFOLIO SERVICES, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CPSS

Black Diamond Capital Management I, LLLP
$49.2M5,127,165 sh
DIMENSIONAL FUND ADVISORS LP
$15.1M1,570,303 sh
BlackRock, Inc.
$6.3M656,330 sh
VANGUARD CAPITAL MANAGEMENT LLC
$4.0M415,823 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$3.8M395,611 sh
RENAISSANCE TECHNOLOGIES LLC
$3.3M339,958 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.2M225,929 sh
STATE STREET CORP
$1.9M195,842 sh
Empowered Funds, LLC
$1.5M151,758 sh
Allianz Asset Management GmbH
$867.4K90,401 sh

Fund	Value	Shares
Black Diamond Capital Management I, LLLP	$49.2M	5,127,165
DIMENSIONAL FUND ADVISORS LP	$15.1M	1,570,303
BlackRock, Inc.	$6.3M	656,330
VANGUARD CAPITAL MANAGEMENT LLC	$4.0M	415,823
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$3.8M	395,611
RENAISSANCE TECHNOLOGIES LLC	$3.3M	339,958
GEODE CAPITAL MANAGEMENT, LLC	$2.2M	225,929
STATE STREET CORP	$1.9M	195,842
Empowered Funds, LLC	$1.5M	151,758
Allianz Asset Management GmbH	$867.4K	90,401

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Is CPSS a good stock to buy?

13F Pro's AI-powered analysis of CONSUMER PORTFOLIO SERVICES, INC. (CPSS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CPSS are available on the CPSS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CPSS is classified as a small company.

Which hedge funds own CPSS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CPSS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CONSUMER PORTFOLIO SERVICES, INC.'s investment landscape.