Consumer Portfolio Services, Inc. (CPSS)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-09
$9.20+1.43%
Close 2026-09-09 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-09
Broken: Recent financial performance freshly dropped to the bottom half of its industry.
CPSS keeps EPS guidance at $0.24 for 2026. The stock trades cheap at 10.65 PE. The company manages financial obligations with securitization. These support stable earnings and value.
EPS guidance is low at $0.24, showing weak profit growth. Management is volatile. The company faces financial risks from new obligations.
Price is about 44% below our fair value near $16. Analysts expect 6% revenue growth. We see value but risks remain.
Breaks if: EPS guidance falls below $0.24 for 2026
Breaks if: Securitization agreements weaken or fail to support obligations
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a turnaround scenario with a focus on improving fundamentals. The current thesis state is weakened due to recent financial performance dropping compared to industry peers.
The market currently prices CPSS as cheap relative to its peers, with an expectations gap indicating that investors may have lower expectations for future performance. The valuation appears justified, reflecting a low fragility tier.
Management has shown a commitment to growth, with loan origination volume and EPS guidance on track. However, there is an elevated risk of missing earnings expectations in the near term, which could further impact sentiment.
The long-term thesis hinges on the performance of sector bellwethers like V, MA, and AXP, which could influence CPSS's trajectory. Additionally, management's ability to maintain guidance and execute on securitization will be crucial.
The most important moves since the prior daily snapshot.
Yes, our read has weakened. Recent financial performance dropped from the top half to the bottom half of its industry. This change indicates a decline in the reasons to own the company. The market has reacted only modestly, with a price movement of -3% since then.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Breaks if: Credit facility terms worsen or restrict liquidity
Over the next 1 to 3 years, CPSS's outlook will depend on its ability to navigate near-term risks and capitalize on sector momentum. Not investment advice.