Consumer Portfolio Services
Buys and services dealer-originated auto contracts for borrowers with weaker credit.
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Profile
Provides indirect vehicle financing by buying retail auto installment contracts from dealers and servicing them over time. The model is concentrated in the United States, earns primarily from interest on purchased contracts, and depends on credit performance, warehouse funding, securitization access, and consumer-finance compliance.
Purchases and services retail automobile installment contracts originated by franchised dealers and selected independent dealers. The single reportable segment is indirect vehicle financing for buyers with past credit problems or limited credit histories, with revenue primarily from interest on purchased contracts.
Uses dealer-facing credit programs such as Alpha, Alpha Plus, Super Alpha, Preferred, Standard, Meta, and Mercury / Delta to price and underwrite contract purchases. Collateral is mainly late-model used vehicles, and operations are concentrated in the United States through executive offices in Las Vegas and servicing or administrative functions across several states.
Funds contract growth through warehouse facilities, customer collections, and term asset-backed securitizations. Performance depends on dealer relationships, servicing execution, borrower credit outcomes, used-vehicle collateral values, capital-market access, and compliance with consumer-finance rules.
Company facts
Categories
Key statistics
Year to date +2.5% · Average volume (30d) 17.7K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 4, 2026Q2 FY26 | — | $0.27 | — | — | $121.4M | — | −1.40% |
| May 5, 2026Q1 FY26 | — | $0.24 | — | — | $112.3M | — | +2.62% |
| Mar 10, 2026Q4 FY25 | $0.23 | $0.21 | −8.7% | $118.6M | $109.4M | −7.8% | −2.07% |
| Nov 10, 2025Q3 FY25 | $0.25 | $0.20 | −20.0% | $110.6M | $108.4M | −2.0% | −8.30% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $106.9M | $109.8M | $108.4M | $109.4M | $112.3M | $121.4M | |
| Gross profit | $52.9M | $51.8M | $50.0M | $50.6M | $111.9M | $121.4M | |
| Operating income | $6.8M | $7.0M | $7.0M | $7.2M | $68.1M | $73.3M | |
| Net income | $4.7M | $4.8M | $4.9M | $5.0M | $5.5M | $6.2M | |
| Diluted EPS | $0.19 | $0.20 | $0.20 | $0.21 | $0.24 | $0.26 | |
| Gross margin | 49.5% | 47.2% | 46.1% | 46.2% | 99.6% | 100.0% | |
| Operating margin | 6.4% | 6.3% | 6.5% | 6.6% | 60.6% | 60.4% |
Fiscal years (4-quarter sums)FY21 $267.8M · FY22 $329.7M · FY23 $352.0M · FY24 $393.5M · FY25 $434.5M
Balance sheet, Jun 30, 2026Cash & short-term investments $7.5M · Total debt $4.01B · Total assets $4.42B · Shareholders' equity $319.2M
Dividends
No dividends on record.
Ownership
Shares outstanding 21.70M · Float 9.08M · 41.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Black Diamond Capital Management I, LLLP | 5.13M | 23.63% | 13F | May 15, 2026 |
| BDCM CT, L.L.C. | 5.13M | 23.10% | 13D | Aug 26, 2025 |
| Charles E. Jr Bradley · director, 10 percent owner, officer: CEO | 4.10M | 18.89% | Form 4 | Aug 28, 2026 |
| Dimensional Fund Advisors LP | 1.57M | 7.22% | 13F | May 7, 2026 |
| BlackRock, Inc. | 634.6K | 2.92% | 13F | May 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Charles E. Jr Bradley | director, 10 percent owner, officer: CEO | −125,000 | $9.46 |
| Aug 12, 2026 | Catrina Marie Ralston | officer: Sr. Vice President | −3,617 | $9.50 |
| Aug 10, 2026 | Catrina Marie Ralston | officer: Sr. Vice President | −916 | $9.50 |
| Aug 7, 2026 | Catrina Marie Ralston | officer: Sr. Vice President | −467 | $9.50 |
| Jun 16, 2026 | Noel Jackson | officer: Sr. Vice President | −7,000 | $9.63 |
Peers
- Credit Acceptance
Dealer-based nonprime auto finance and servicing specialist
- Ally Financial
Large dealer-centric bank auto lender across the credit spectrum
- Banco Santander (ADR)
Global bank parent of Santander Consumer USA auto finance
- Capital One
Bank auto lender with national dealer and Auto Navigator reach
- General Motors
Captive auto lender with GM Financial and AmeriCredit
- Ford
Manufacturer captive finance arm with Ford Credit dealer scale
- OneMain
Nonprime consumer lender scaling dealership auto finance
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Consumer Portfolio Services | $9.42 | +0.21% | $204.4M | 10.4 | — | 0.5 | +10.6% |
| Credit Acceptance | $594.11 | −0.11% | $6.22B | 13.1 | 11.6 | 2.7 | +2.1% |
| Ally Financial | $42.18 | 0.00% | $12.83B | 9.9 | 7.1 | 0.8 | −0.3% |
| Banco Santander (ADR) | $14.74 | +0.51% | $215.33B | 12.3 | 10.6 | 2.7 | +6.2% |
| Capital One | $223.60 | +3.64% | $132.31B | 13.3 | 9.9 | 1.7 | +26.0% |
| General Motors | $86.10 | −0.20% | $78.03B | 43.6 | 6.3 | 0.4 | +1.9% |
| Ford | $13.89 | +0.07% | $55.31B | — | 8.0 | 0.3 | −3.8% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| Median | 12.7 | 8.0 | 1.1 | +1.9% |