Consumer Portfolio Services (CPSS)

Financial Services · Credit Services
$9.38 -0.42% on the day Market cap $207M 52-week range $7.39 to $10.49 Prices as of Oct 11, 2026

What the price implies

A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.

Consumer Portfolio Services's free cash flow isn't comparable to its market value here, so a cash-flow reverse DCF doesn't give a meaningful answer. The Modeling tab works from revenue and margins instead.

Fundamental grade

C

Five factors scored 1 to 9 from CPSS's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.

Valuation9
Profitability4
Growth7
Financial health1
Cash efficiency9

Results from SEC filings

Fiscal years, from Consumer Portfolio Services's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.

Fiscal year20212022202320242025
Revenue$268M$330M$352M$394M$434M
Net income$48M$86M$45M$19M$19M
Free cash flow$196M$214M$237M$233M$288M
EPS (diluted)$1.84$3.23$1.80$0.79$0.80
Operating margin—————

Superinvestors who own CPSS

From each investor's latest 13F filing (what a 13F shows).

None of the superinvestors we track held CPSS in their latest 13F.

Insider buying

Open-market purchases by Consumer Portfolio Services's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.

No open-market insider purchases of CPSS in the last 12 months. Most insider activity is selling and option exercises, which aren't shown here.

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In the full deep dive

DCF fair value per share
Yearly return (IRR) at today's price
Growth implied by revenue and margins
15+ years of statements and quarters

Questions

Are Consumer Portfolio Services insiders buying the stock?

No open-market insider purchases of CPSS in the last 12 months, according to SEC Form 4 filings.

Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.