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.
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, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CPSS ranks #286 in composite RQD confidence.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 66.4% FCF Margin ($288.3M FCF) & 52% Gross Margin
20D Institutional Volume Accumulation (±7.3% realized swing band)
Macro rate sensitivity & RSI-14 (62.1) create a -9 pt regime headwind
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Consumer Portfolio Services Inc. (CPSS) advanced +1.71% to $10.13, trading at 88% of its 52-week range ($7.46 – $10.49). Solid steady margins (6% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Quantisnow report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Consumer Portfolio Services, Inc. (CPSS) Q3 2026 Earnings Call October 26, 2026 1:00 PM EDTCompany ParticipantsCharles Bradley - CEO & ChairmanDenesh...
Diluted EPS up 50%; Net Income Increases 43%; Quarterly Loan Originations Grow by 109%; Total Portfolio Exceeds $4.7 Billion- Highest in Company HistoryLAS VEGAS, NV, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Consumer Portfolio
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CPSS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CPSS. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Consumer Portfolio Services Inc. (CPSS) ranks #286 by composite RQD confidence (64/100, grade C) and #868 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 → |
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 | — | — |
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, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CPSS ranks #286 in composite RQD confidence.
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).
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.
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).
Consumer Portfolio Services Inc. (CPSS) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $10.13 (+1.71% 1D, market capitalization $221.9M).
Consumer Portfolio Services Inc. (CPSS) is a NASDAQ-listed operating company in the Finance: Consumer Services industry (Financials sector) with an equity market capitalization of $221.9M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 6.2% (free cash flow yield of 0%). Within the Finance: Consumer Services peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Consumer Portfolio Services Inc. (CPSS) reported $434.5M in annual revenue (up from $393.5M in FY2024, +10.4% YoY) and $19.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($352.0M revenue, $45.3M net income) through FY2025, CPSS scaled operating cash flow to $289.0M and free cash flow to $288.3M, backed by $3.86B in total assets against $0 in total debt.
Operating in Finance: Consumer Services (Financials), CPSS carries a macro regime beta of 1.00 and gross margin of —.
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Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Quantisnow report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.
Don't sleep on CPSS's setup in Financials. Trailing P/E of 11.3 and forward P/E of 10.5 with positive FCF reported in FY 2025 ($288.3M) suggest the stock is valued modestly relative to its earnings.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (64/100) backs up the fundamental quality.
@SkepticalCFA Shorting a 14/20 institutional whale-flow stock at $10.13 is dangerous when funds are rotating into Financials.
Here is the bear case nobody on the bull side wants to address on CPSS: Net income fell from $45.3M in FY 2023 to $19.3M in FY 2025 while cash declined to $6.3M, and the RED-flagged Wall Street Zen downgrade adds a negative signal.. At 11.3x trailing P/E, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.
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