Consumer Portfolio Services, Inc. (CPSS)

NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-10-23

$9.90+7.03%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge Consumer Portfolio Services, Inc.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

Comparable estimates unavailable

+10% or more+5%0%−5%−10% or less

A matching fiscal period and sufficient coverage are required.

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

The calculation requires same-period, same-provider snapshots, positive EPS, at least five analysts and a baseline within three days of the requested lookback.

Measure / period	Management expectations	Analyst expectations
Annual ending 2026-12-31
Revenue	—	530.65M
EPS	—	2.45
Annual ending 2027-12-31
Revenue	—	0

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Maintain EPS guidance at $0.24 for fiscal year 2026	CPSS keeps EPS guidance at $0.24 for 2026.	Intact	EPS guidance falls below $0.24 for 2026	Diluted EPS: $0.27 per share FY2026-Q2; GAAP. Published target: >= $0.24 USD per share. The stored target says 2026-Q4; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Aug 7, 20260.27 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: 9d2ede4d-9b89-4f41-983c-6b7ebd6c71f7. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Effective securitization of receivables to manage obligations	The company manages financial obligations with securitization.	Intact	Securitization agreements weaken or fail to support obligations	Qualitative condition This condition has no defined numerical measure. Context reviewed through Oct 23, 2026Last status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Maintain amended warehouse credit facility for financial flexibility	A supporting condition in Consumer Portfolio Services, Inc.'s published investment case. The stated target is Sustain or enhance credit facility terms.	Intact	Credit facility terms worsen or restrict liquidity	Facility amended Oct 9, 2026 Company amended revolving credit agreement with Capital One on October 9, 2026. Context reviewed through Oct 23, 2026Last status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · alphavantage

FY2027 EPS: comparable history unavailable.

FY2027 revenue: comparable history unavailable.

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · alphavantage
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-06-09	Unavailable	Unavailable	— / 0
2026-06-10	Unavailable	Unavailable	— / 0
2026-06-11	Unavailable	Unavailable	— / 0
2026-06-12	Unavailable	Unavailable	— / 0
2026-06-14	Unavailable	Unavailable	— / 0
2026-06-15	Unavailable	Unavailable	— / 0
2026-06-16	Unavailable	Unavailable	— / 0
2026-06-17	Unavailable	Unavailable	— / 0
2026-06-18	Unavailable	Unavailable	— / 0
2026-06-23	Unavailable	Unavailable	— / 0
2026-06-24	Unavailable	Unavailable	— / 0
2026-06-26	Unavailable	Unavailable	— / 0
2026-06-27	Unavailable	Unavailable	— / 0
2026-06-28	Unavailable	Unavailable	— / 0
2026-06-29	Unavailable	Unavailable	— / 0
2026-06-30	Unavailable	Unavailable	— / 0
2026-07-01	Unavailable	Unavailable	— / 0
2026-07-02	Unavailable	Unavailable	— / 0
2026-07-04	Unavailable	Unavailable	— / 0
2026-07-05	Unavailable	Unavailable	— / 0
2026-07-06	Unavailable	Unavailable	— / 0
2026-07-07	Unavailable	Unavailable	— / 0
2026-07-27	Unavailable	Unavailable	— / 0
2026-07-28	Unavailable	Unavailable	— / 0
2026-07-31	Unavailable	Unavailable	— / 0
2026-08-02	Unavailable	Unavailable	— / 0
2026-08-05	Unavailable	Unavailable	— / 0
2026-08-08	Unavailable	Unavailable	— / 0
2026-08-09	Unavailable	Unavailable	— / 0
2026-08-10	Unavailable	Unavailable	— / 0
2026-08-12	Unavailable	Unavailable	— / 0
2026-08-13	Unavailable	Unavailable	— / 0
2026-08-14	Unavailable	Unavailable	— / 0
2026-08-15	Unavailable	Unavailable	— / 0
2026-08-17	Unavailable	Unavailable	— / 0
2026-08-19	Unavailable	Unavailable	— / 0
2026-08-20	Unavailable	Unavailable	— / 0
2026-08-21	Unavailable	Unavailable	— / 0
2026-08-22	Unavailable	Unavailable	— / 0
2026-08-23	Unavailable	Unavailable	— / 0
2026-08-24	Unavailable	Unavailable	— / 0
2026-08-25	Unavailable	Unavailable	— / 0
2026-08-26	Unavailable	Unavailable	— / 0
2026-08-27	Unavailable	Unavailable	— / 0
2026-08-28	Unavailable	Unavailable	— / 0
2026-08-29	Unavailable	Unavailable	— / 0
2026-08-30	Unavailable	Unavailable	— / 0
2026-08-31	Unavailable	Unavailable	— / 0
2026-09-01	Unavailable	Unavailable	— / 0
2026-09-02	Unavailable	Unavailable	— / 0
2026-09-03	Unavailable	Unavailable	— / 0
2026-09-04	Unavailable	Unavailable	— / 0
2026-09-05	Unavailable	Unavailable	— / 0
2026-09-06	Unavailable	Unavailable	— / 0
2026-09-07	Unavailable	Unavailable	— / 0
2026-09-08	Unavailable	Unavailable	— / 0
2026-09-09	Unavailable	Unavailable	— / 0
2026-09-10	Unavailable	Unavailable	— / 0
2026-09-11	Unavailable	Unavailable	— / 0
2026-09-12	Unavailable	Unavailable	— / 0
2026-09-13	Unavailable	Unavailable	— / 0
2026-09-14	Unavailable	Unavailable	— / 0
2026-09-15	Unavailable	Unavailable	— / 0
2026-09-16	Unavailable	Unavailable	— / 0
2026-09-17	Unavailable	Unavailable	— / 0
2026-10-24	Unavailable	Unavailable	— / 0

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Monthly analyst history is unavailable.

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Maintain EPS guidance at $0.24 for fiscal year 2026Diluted EPS: $0.27 per share
Effective securitization of receivables to manage obligationsQualitative condition

Next proof point

Next earnings date unavailable

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

2 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

1.4%Typical daily move · historical

Downside history

-22.1%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Consumer Portfolio Services, Inc. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

This is a growth-focused financial company with a cyclical backdrop and elevated risk. The long-term thesis is on watch: originations and the portfolio are growing, but recent financial performance is weak and management execution has been volatile.

What's priced into Consumer Portfolio Services, Inc.

The valuation evidence describes CPSS as cheap versus peers, though the expectations gap is negative and model confidence is medium. Pricing is tagged as justified, with low fragility, so the evidence does not point to a fragile expectations setup.

What the fundamentals likely do

Near term, earnings risk is elevated after recent guidance misses and a run of earnings misses. Recent results show higher revenue, contract purchases, and portfolio size, alongside improved delinquency, charge-off, and recovery measures; securitizations and expanded credit capacity support growth, but funding progress is mixed. The multi-year trajectory depends on keeping credit performance sound as the portfolio expands.

What Consumer Portfolio Services, Inc. hinges on

A guidance cut on the next call would be a meaningful negative, and falling rates may weigh on the financial sector backdrop described in the evidence. Continued growth in loan originations and successful funding through securitizations matter, as does maintaining credit quality. Strong earnings and higher guidance from sector bellwethers such as Visa, Mastercard, and American Express could support sector momentum.