CONSUMER PORTFOLIO SERVICES, INC.(CPSS)Stock Analysis
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Rank #1,274 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CPSS Stock Analysis & AI Quality Score
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 53.6/100 on a 32-signal composite quality model, placing it at rank #1,274 of 2,879 stocks — the top half of the AI-ranked universe. CPSS scores in the top quartile across free cash flow (95.4). Areas of concern include earnings quality (12.0) and institutional flow (26.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), CONSUMER PORTFOLIO SERVICES, INC. reports quarterly revenue of $112.3M, net income of $5.5M, an operating margin of 7.1%. 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 49 and 58 since 2024, currently 53.6 — a declining long-term trajectory across 15 quarterly and live scoring snapshots.
Revenue
Q1 2026
$112.3M
Net Income
Q1 2026
$5.5M
Free Cash Flow
Q1 2026
$83.0M
Operating Margin
Q1 2026
7.1%
ROIC
Q1 2026
0.8%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+10.4% YoYNet Income
+0.6% YoYEPS (Diluted)
+1.3% YoYTotal Assets
+10.4% YoYTotal Debt
-7.6% YoYOp. Cash Flow
+23.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Revenue | $434.5M +10.4% | $393.5M +11.8% | $352.0M +1.8% | $345.8M -20.4% | $434.4M +2.9% | $422.3M |
| Net Income | $19.3M +0.6% | $19.2M -57.6% | $45.3M +738.8% | $5.4M +43.6% | $3.8M -87.2% | $29.3M |
| EPS (Diluted) | $0.80 +1.3% | $0.79 -56.1% | $1.80 +718.2% | $0.22 +57.1% | $0.14 -86.1% | $1.01 |
| Total Assets | $3.86B +10.4% | $3.49B +20.3% | $2.90B +14.4% | $2.54B +4.7% | $2.42B +0.6% | $2.41B |
| Total Debt | $500.7M -7.6% | $541.7M +79.5% | $301.8M +55.3% | $194.3M +48.5% | $130.8M +9.1% | $119.9M |
| Operating Cash Flow | $289.0M +23.6% | $233.8M -1.8% | $238.0M +9.8% | $216.8M +0.5% | $215.6M +9.8% | $196.3M |
AI Insight: CPSS Financial Trends
CPSS delivers steady revenue growth to $112M in Q1 2026, but total debt surged to $680M — a 230% jump from Q2 2024 levels.
• Revenue grew consistently from $96M in Q2 2024 to $112M in Q1 2026, a 17% increase over seven quarters.
• Net income remained flat at $5M across six consecutive quarters before a modest uptick to $6M in Q1 2026.
• Total debt surged from $206M in Q2 2024 to $680M in Q1 2026, raising leverage concerns despite equity growing to $314M.
• Operating cash flow has been variable, ranging from $43M to $85M, with Q1 2026 at a strong $84M.
⚠ Total debt jumped $179M quarter-over-quarter to $680M in Q1 2026 — the largest single-quarter increase in the dataset.
⚠ Net income stagnation at $5M despite 17% revenue growth suggests rising costs are absorbing top-line gains.
⚠ Debt-to-equity ratio has risen sharply to 2.2x in Q1 2026 from 0.7x in Q2 2024 — monitor funding cost pressures.
AI Insight: CPSS Ratio Trends
ROIC has halved from 5.5% in Q2 2024 to a range of 3.1–3.6% through most of 2025, signaling meaningfully lower capital efficiency despite stable margins.
• ROIC collapsed from 5.5% in Q2 2024 to 3.1% by Q2 2025, a decline of 240bps, and has only partially recovered to 3.2% in Q1 2026.
• D/E surged from 0.74 in Q2 2024 to 2.16 in Q1 2026, indicating substantially higher financial leverage over the period.
• Operating margin and NPM have been remarkably stable, ranging 6.3–7.1% and 4.4–4.9% respectively across all reported periods.
• ROE edged up to 7.0% in Q1 2026 from a trough of 6.3% in Q2–Q3 2025, matching the Q4 2024 peak.
⚠ D/E at 2.16 in Q1 2026 is the highest in the dataset; rising leverage amplifies credit-cycle risk for a subprime auto lender.
⚠ ROIC at 3.2% in Q1 2026 remains well below the 5.5% seen in Q2 2024 — monitor whether capital deployment improves returns.
⚠ D/E improved modestly from 1.93 in Q2 2025 to 1.62 in Q4 2025 before jumping back to 2.16 in Q1 2026 — track deleveraging consistency.
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Available Research
13F Pro tracks comprehensive data for CONSUMER PORTFOLIO SERVICES, INC. including:
Top Institutional Holders of CPSS
Black Diamond Capital Management I, LLLP
$39.6M5,127,165 shDIMENSIONAL FUND ADVISORS LP
$12.1M1,565,930 shBlackRock, Inc.
$4.9M634,590 shVANGUARD CAPITAL MANAGEMENT LLC
$3.2M413,565 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$3.1M395,611 shRENAISSANCE TECHNOLOGIES LLC
$2.8M356,158 shGEODE CAPITAL MANAGEMENT, LLC
$1.7M218,477 shSTATE STREET CORP
$1.5M195,801 shAllianz Asset Management GmbH
$1.2M160,043 shEmpowered Funds, LLC
$1.2M151,758 sh
| Fund | Value | Shares |
|---|---|---|
| Black Diamond Capital Management I, LLLP | $39.6M | 5,127,165 |
| DIMENSIONAL FUND ADVISORS LP | $12.1M | 1,565,930 |
| BlackRock, Inc. | $4.9M | 634,590 |
| VANGUARD CAPITAL MANAGEMENT LLC | $3.2M | 413,565 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.1M | 395,611 |
| RENAISSANCE TECHNOLOGIES LLC | $2.8M | 356,158 |
| GEODE CAPITAL MANAGEMENT, LLC | $1.7M | 218,477 |
| STATE STREET CORP | $1.5M | 195,801 |
| Allianz Asset Management GmbH | $1.2M | 160,043 |
| Empowered Funds, LLC | $1.2M | 151,758 |
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Popular Research
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.
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.