Stock Ratings / Financials / CPSS / earnings

DGXX (19) USDE (52) ONIT (40) MFIN (52) ⌘ Pro Terminal →

Consumer Portfolio Services Inc. (CPSS) Next Earnings Date & Expected ±7.3% Move

$10.13 +1.71% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.14

Consumer Portfolio Services Inc. (CPSS) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $221.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CPSS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CPSS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Consumer Portfolio Services Inc. (NASDAQ: CPSS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $10.13 (+1.71% 1D, market cap $221.9M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CPSS ranks #285 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CPSS compare to DGXX and USDE in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), CPSS carries a Roarable C (64/100 RQD), trailing P/E of 11.3x, gross margin of —, and ROIC of 6.2%. By comparison, DGXX (Digi Power X Inc. Subordinate Voting Shares) holds a E grade (19/100 RQD, P/E N/A, ROIC -23.0%, cap $225.1M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $229.2M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while ONIT leads on capital efficiency (30.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CPSS?

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Per CPSS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000889609), Consumer Portfolio Services Inc. generated $434.5M in revenue (+10.4% YoY), $19.3M in net income, and $288.3M in free cash flow against $3.86B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $10.14 (+0.12%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 66.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPSS)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY CPSS SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 66.4% FCF Margin ($288.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (22% of score)

20D Institutional Volume Accumulation (±7.3% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (62.1) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$9.16-2.1% Next Q

Q2 (-2Q)

Grade C$8.97+6.5% Next Q

Q3 (-1Q)

Grade C$9.55+6.1% Next Q

Current

Grade C$10.13+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CPSS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, CPSS faces multiple-compression risk if 11.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.36) or 200D SMA ($9.04) invalidates the momentum regime and cuts Target Base ($10.40) toward Bear Floor ($8.11).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPSS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CPSS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±7.3% Swing Band

±$0.74 Expected Swing

MODEL EARNINGS SETUP GAUGE

CPSS Quantitative Pre-Earnings Setup: 64/100

Trailing EPS: $0.88 • YoY Revenue Growth: 10.4%

Model Bullish Setup (64/100)Model Risk Weight (36/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$434.5M	$19.3M	$288.3M	52%
FY 2024	2024-12-31	$393.5M	$19.2M	$233.3M	52%
FY 2023	2023-12-31	$352.0M	$45.3M	$238.0M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CPSS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CPSS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CPSS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.22%⚡ TESTING RESISTANCE

2026-11-03O $9.96H $10.13L $9.96C $10.13VOL 37.5K

RES: $10.21SUP: $6.72SMA50: $9.36SMA200: $9.04

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CPSS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CPSS Butterfly Map → + Track CPSS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.3%/yr Implied 5Y Growth

vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CPSS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CPSS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CPSS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPSS)

Financials Rank #285 of 1096 ⚔️ DGXX vs CPSS Full Matrix →

1. Head-to-Head Financials Peer Comparison (CPSS vs. DGXX, USDE, ONIT, MFIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Consumer Portfolio Services Inc. (CPSS) ranks #285 by composite RQD confidence (64/100, grade C) and #867 by equity capitalization ($221.9M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while ONIT leads on capital efficiency and profitability with 30.2% ROIC and — gross margin. CPSS currently leads its immediate peer cohort in composite quantitative strength at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CPSS ACTIVE Consumer Portfolio Services Inc.	C	64/100	11.3x	—	6.2%	+1.71%	$221.9M	Benchmark Subject
DGXX Digi Power X Inc. Subordinate Voting Shares	E	19/100	—	—	-23.0%	-6.72%	$225.1M	/dgxx-vs-cpss →
USDE StablecoinX Inc. (Class A)	D+	52/100	—	—	—	-14.68%	$229.2M	/usde-vs-cpss →
ONIT Onity Group Inc.	D-	40/100	—	—	30.2%	-0.86%	$229.9M	/onit-vs-cpss →
MFIN Medallion Financial Corp.	D+	52/100	6.2x	—	10.5%	-13.53%	$231.9M	/mfin-vs-cpss →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000889609

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Consumer Portfolio Services Inc. (CPSS) reported GAAP revenue of $434.5M (+10.4% vs. FY2024 revenue of $393.5M , and +23.4% cumulative change since FY2023) , GAAP net income of $19.3M, operating cash flow of $289.0M, and free cash flow of $288.3M (+23.6% YoY). On the balance sheet, CPSS closed FY2025 with $3.86B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$434.5M	$19.3M	$289.0M	$288.3M	$3.86B	—
FY2024 (FY)	2024-12-31	$393.5M	$19.2M	$233.8M	$233.3M	$3.49B	—
FY2023 (FY)	2023-12-31	$352.0M	$45.3M	$238.0M	$238.0M	—	—

3. CPSS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CPSS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CPSS compare to DGXX and USDE in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CPSS?

Where is CPSS trading relative to its 50-day, 200-day, and 52-week technical levels?

CPSS last traded at $10.13 (+1.71% on volume of 37,526 shares), positioning the stock +8.23% above its 50-day simple moving average ($9.36) and +12.06% above its 200-day simple moving average ($9.04). Across its 52-week range of $7.46 to $10.49, CPSS sits at the 88.1% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($9.39 to $10.87).

CPSS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CPSS's next earnings date?

Based on SEC filing cadence, Consumer Portfolio Services Inc. (CPSS)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CPSS stock expected to move on earnings?

Volatility modeling currently projects a ±7.3% event move for CPSS, spanning a range between $9.39 and $10.87.

Direct Sub-Reports: CPSS RQD Cockpit CPSS 12M Forecast CPSS Earnings & Move CPSS Dividends & DRIP CPSS Insiders & 13F CPSS Whale Options CPSS Profit Sankey CPSS News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

CPSS — Consumer Portfolio Services Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:40:45Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CPSS scores 63 out of 100 for a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." Across its five pillars, the Fundamental Cash Engine scores 14 of 20 (ROIC 6.2%; FCF yield 0%), Whale 13F Flow scores 13 of 20 (institutional accumulation and options positioning), Insider Conviction scores 12 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit scores 11 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet scores 13 of 20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5). For a prospective investor, the profile reads as balanced rather than compelling: the return on invested capital and the forensic balance sheet provide some support, but the zero free-cash-flow yield and the middling insider and macro-fit scores temper the upside case. Valuation is undemanding on the source's trailing and forward earnings multiples, which is a potential upside driver if earnings hold, though that benefit depends on the earnings base being durable. The rating does not establish a directional call; it summarizes a mixed set of factors.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$434.5M	$0.0M	$19.3M	N/A	$288.3M	$6.3M	N/A
FY 2024	$393.5M	$0.0M	$19.2M	N/A	$233.3M	$11.7M	N/A
FY 2023	$352.0M	$0.0M	$45.3M	N/A	$238.0M	N/A	N/A

Per the SEC financials, revenue rose from $352.0M in FY 2023 to $434.5M in FY 2025, while net income declined from $45.3M to $19.3M over the same span. Market data shows a net margin of 4.4%, with gross and operating margins each reported as 0%. Per the Roarable RQD rating, ROIC is 6.2%, the Altman Z-Score is 2.5, the Piotroski F-Score is 6/9, and Debt/Equity is 0.5. Reported cash fell from $11.7M to $6.3M across FY 2024 and FY 2025.

Recent Catalysts & News Wire Analysis

Five items are tagged to CPSS in the news feed. The most recent is a Yahoo Finance piece (GREEN, CATALYST) describing an extension of a rally after Q3 earnings, a positive market-action signal. Quantisnow reported a Form 10-Q filing (YELLOW, MARKET WIRE), and TradingView, Yahoo Finance, and Stock Titan each carry neutral-to-yellow market-wire items; the Stock Titan item reports the lender's borrowing capacity topping $1 billion for the first time. The lowest-ranked item is a MarketBeat report of a downgrade from Wall Street Zen (RED, RISK WATCH). The Butterfly Supply-Chain Graph contains no supply-chain links and no proprietary signals.

Open Questions

What are CPSS's actual products, loan or service portfolio, and customer base, given that the source data provides only a sector classification?
Why is operating income reported as $0.0M in every period while net income is positive, and what drives the gap?
What explains the reported cash decline and the absence of debt figures, and how is the balance sheet financed?
What is the basis for the Wall Street Zen downgrade flagged as RED, and what analyst consensus or price targets exist?
Does the zero free-cash-flow yield reconcile with the reported FCF figures in the SEC financials?

CPSS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Consumer Portfolio Services Inc. (CPSS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CPSS Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 17h ago

Consumer Portfolio Services (CPSS) Stock Extends Rally After Q3 Earnings Rebuild

Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quantisnow • 20h ago

SEC Form 10-Q filed by Consumer Portfolio Services Inc.

Quantisnow report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 23h ago

Consumer Portfolio Services, Inc. Estimates – NASDAQ:CPSS

TradingView report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Consumer Portfolio Services: Q3 Earnings Snapshot

Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A car lender's borrowing capacity tops $1 billion for the first time.

Stock Titan report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH MarketBeat • 1d ago

Consumer Portfolio Services (NASDAQ:CPSS) Stock Gets Downgrade from Wall Street Zen

MarketBeat report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Consumer Portfolio Services Q3 Revenue Rises 22% to $131.9 Million

Quiver Quantitative report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

What Consumer Portfolio Services (CPSS) Said on Its Q3 Earnings Call

Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CPSS Bull vs. Bear Conversation Board — What's Your Call at $10.13?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CPSS 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $10.76 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is CPSS (C • RQD 63/100) a Buy at $9.96?

Welcome to the CPSS (Consumer Portfolio Services Inc.) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $7.67 (-23.0%)

Spot @ $9.96

Pump the brakes on CPSS — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CPSS, but look at what you are paying: 11.3x trailing P/E with tightening sector spreads. Unless Consumer Portfolio Services Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $12.05 (+21.0%)

Spot @ $9.96

CPSS cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CPSS, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $9.96 (52-wk range $7.46 - $10.49), any beat on forward guidance forces shorts and underweight funds to chase.