View ValuationConsumer Portfolio Services 将来の成長Future 基準チェック /06現在、 Consumer Portfolio Servicesの成長と収益を予測するのに十分なアナリストの調査がありません。主要情報n/a収益成長率n/aEPS成長率Consumer Finance 収益成長19.1%収益成長率n/a将来の株主資本利益率n/aアナリストカバレッジNone最終更新日n/a今後の成長に関する最新情報Major Estimate Revision • Aug 19Consensus EPS estimates increase to US$0.95The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$247.3m to US$252.5m. EPS estimate increased from US$0.75 to US$0.95 per share. Net income forecast to shrink 4.0% next year vs 1.2% decline forecast for Consumer Finance industry in the US. Consensus price target up from US$4.67 to US$7.00. Share price was steady at US$5.59 over the past week.Price Target Changed • Aug 13Price target increased to US$5.00Up from US$4.67, the current price target is an average from 3 analysts. New target price is 12% below last closing price of US$5.66.Price Target Changed • Oct 11Price target raised to US$4.00Up from US$3.17, the current price target is an average from 3 analysts. The new target price is 14% below the current share price of US$4.64.すべての更新を表示Recent updatesBoard Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Director Scott Carnahan was the last director to join the board, commencing their role in 2026. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Feb 25Consumer Portfolio Services, Inc. Announces Appointment of Scott W. Carnahan as Director, Effective February 18, 2026Consumer Portfolio Services, Inc. appointed Scott W. Carnahan as a director of the Company to fill the vacancy created by the prior resignation of William B. Roberts from the Board, effective February 18, 2026. Scott W. Carnahan brings to the Board more than 40 years of accounting, consulting, regulatory compliance, and executive leadership experience in the financial institutions sector, including senior roles at FTI Consulting, Inc. and KPMG LLP, where he led the structured finance practice and advised on over $2 trillion in transactions. Scott W. Carnahan is a senior advisor to FTI Consulting, Inc. His term will expire at the Company's 2026 annual meeting of shareholders and until a successor has been duly elected and qualified, or until his earlier resignation, retirement or other termination of service.お知らせ • Feb 06Consumer Portfolio Services, Inc. Announces Resignation of Director William B. Roberts, Effective January 30, 2026Consumer Portfolio Services, Inc. announced that on January 30, 2026, William B. Roberts notified the company of his resignation as a director of the company, effective as of January 30, 2026.お知らせ • Nov 13Black Diamond Capital Intends to Vote Against Company ProposalOn November 12, 2025, Black Diamond Capital Management announced that one of its affiliates intends to vote against the Consumer Portfolio Services, Inc’s proposal to approve its 2025 Equity Incentive Plan, at the annual meeting of shareholders. In addition, Black Diamond stated that Company’s stock has declined ~26% year-to-date, while the S&P 500 gained over 16%, Stock trades at ~65% of book value, signaling shareholder doubts about returns on capital, existing 2006 Equity Plan already has options on 6.23M shares (~28.2% of outstanding shares), which Black Diamond considers excessive compared to peers. Further, Black Diamond stated that independent Proxy advisory firm ISS recommended voting against the proposal due to excessive dilution, and it believes the Company board should not have approved the plan.お知らせ • Oct 29Consumer Portfolio Services, Inc., Annual General Meeting, Nov 19, 2025Consumer Portfolio Services, Inc., Annual General Meeting, Nov 19, 2025. Location: companys nevada office, at 3800 howard hughes parkway, suite 1400, las vegas, nevada 89169, United StatesSeeking Alpha • Oct 29Consumer Portfolio Services Is A Value TrapSummary Consumer Portfolio Services trades at a discount but faces significant risks as a specialized subprime auto lender in a volatile market. CPSS's financial performance is highly cyclical, with recent declines in revenue, net income, and returns on equity and assets. Rising subprime auto loan delinquencies, extreme leverage, and sector bankruptcies signal heightened risk and potential for further deterioration. Despite attractive free cash flow and valuation, CPSS is rated a 'Strong Sell' due to its deteriorating fundamentals and exposure to worsening economic conditions. Read the full article on Seeking Alphaお知らせ • May 13Consumer Portfolio Services, Inc. Reports Annualized Net Charge-Offs for the First Quarter Ended March 31, 2025Consumer Portfolio Services, Inc. reported Annualized net charge-offs for the first quarter ended March 31, 2025. For the period, the company reported annualized net charge-offs 7.54% of the average portfolio as compared to 7.84% for the first quarter of 2024.分析記事 • Apr 08Fewer Investors Than Expected Jumping On Consumer Portfolio Services, Inc. (NASDAQ:CPSS)Consumer Portfolio Services, Inc.'s ( NASDAQ:CPSS ) price-to-earnings (or "P/E") ratio of 11.2x might make it look like...Seeking Alpha • Dec 27Consumer Portfolio Services: Added To WatchlistSummary CPSS faces elevated delinquency rates, but forecasts suggest potential improvement in used car delinquencies by 2025, indicating a possible turnaround. Despite rising delinquencies, CPSS has achieved 12% year-over-year portfolio growth and improved operational efficiency through AI-driven processes. CPSS trades at a 30% discount to book value, presenting a potential upside if delinquency rates stabilize and portfolio quality improves. Read the full article on Seeking Alphaお知らせ • Oct 14Consumer Portfolio Services, Inc., Annual General Meeting, Nov 12, 2024Consumer Portfolio Services, Inc., Annual General Meeting, Nov 12, 2024. Location: 3800 howard hughes parkway, suite 1400, nevada 89169, las vegas United States新しいナラティブ • Sep 28Surging Loan Originations And Tech Innovations Promise Bright Future For Financial Growth Expansion in loan origination and strategic focus on technology upgrades signify potential for revenue growth and operational efficiency improvements. 分析記事 • Jul 17Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It LooksWith a price-to-earnings (or "P/E") ratio of 6.1x Consumer Portfolio Services, Inc. ( NASDAQ:CPSS ) may be sending very...Recent Insider Transactions Derivative • May 19Executive Vice President of Servicing exercised options and sold US$134k worth of stockOn the 15th of May, Laurie Straten exercised 60.00k options at around US$4.35, then sold 34k of the shares acquired at an average of US$8.24 per share and kept the remainder. Since December 2023, Laurie has owned 180.87k shares directly. Company insiders have collectively sold US$138k more than they bought, via options and on-market transactions in the last 12 months.Valuation Update With 7 Day Price Move • Apr 11Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$9.24, the stock trades at a trailing P/E ratio of 4.3x. Average trailing P/E is 10x in the Consumer Finance industry in the US. Total returns to shareholders of 131% over the past three years.分析記事 • Apr 11Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift SharesWhen close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...Valuation Update With 7 Day Price Move • Jan 04Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to US$8.49, the stock trades at a trailing P/E ratio of 3.4x. Average trailing P/E is 9x in the Consumer Finance industry in the US. Total returns to shareholders of 96% over the past three years.分析記事 • Jan 04Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It LooksWhen close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...Recent Insider Transactions • Dec 20Independent Director recently sold US$74k worth of stockOn the 15th of December, Daniel Wood sold around 8k shares on-market at roughly US$9.26 per share. This transaction amounted to 3.5% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.New Risk • Nov 14New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 3.3% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (9.1% operating cash flow to total debt). Minor Risks Profit margins are more than 30% lower than last year (23% net profit margin). Shareholders have been diluted in the past year (3.3% increase in shares outstanding).New Risk • Nov 10New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 22% Last year net profit margin: 35% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (9.1% operating cash flow to total debt). Minor Risk Profit margins are more than 30% lower than last year (22% net profit margin).Recent Insider Transactions Derivative • Oct 31Secretary & Independent Director exercised options and sold US$164k worth of stockOn the 27th of October, Brian Rayhill exercised 70.00k options at around US$4.53, then sold 34k of the shares acquired at an average of US$9.39 per share and kept the remainder. Since March 2023, Brian's direct individual holding has increased from 122.03k shares to 152.18k. Company insiders have collectively bought US$1.6m more than they sold, via options and on-market transactions, in the last 12 months.お知らせ • Oct 21Consumer Portfolio Services, Inc., Annual General Meeting, Nov 14, 2023Consumer Portfolio Services, Inc., Annual General Meeting, Nov 14, 2023, at 10:00 Pacific Standard Time. Location: 3800 Howard Hughes Parkway, Suite 1400 Las Vegas Nevada United States Agenda: To elect directors to the Company’s Board of Directors each for a one-year term; to ratify the appointment of Crowe LLP as the Company’s independent auditors for the fiscal year ending December 31, 2023; and to approve an advisory resolution on executive compensation.New Risk • Oct 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of American stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (8.5% operating cash flow to total debt). Minor Risk Share price has been volatile over the past 3 months (9.2% average weekly change).分析記事 • Jul 13With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting CaseThe excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Valuation Update With 7 Day Price Move • Jul 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$12.89, the stock trades at a trailing P/E ratio of 3.4x. Average trailing P/E is 8x in the Consumer Finance industry in the US. Total returns to shareholders of 317% over the past three years.Recent Insider Transactions Derivative • May 16CEO & Chairman exercised options and sold US$723k worth of stockOn the 11th of May, Charles Bradley exercised 300.00k options at around US$3.48, then sold 97k of the shares acquired at an average of US$10.91 per share and kept the remainder. For the year to December 2016, Charles' total compensation was 9% salary and 91% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since June 2022, Charles' direct individual holding has increased from 3.36m shares to 3.71m. Company insiders have collectively sold US$1.5m more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions Derivative • May 06Secretary & Independent Director exercised options and sold US$150k worth of stockOn the 2nd of May, Brian Rayhill exercised 70.00k options at around US$3.48, then sold 40k of the shares acquired at an average of US$7.24 per share and kept the remainder. Since June 2022, Brian's direct individual holding has increased from 80.90k shares to 122.03k. Company insiders have collectively sold US$2.2m more than they bought, via options and on-market transactions in the last 12 months.分析記事 • Mar 30Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$9.41, the stock trades at a trailing P/E ratio of 2.1x. Average trailing P/E is 5x in the Consumer Finance industry in the US. Total returns to shareholders of 241% over the past three years.Valuation Update With 7 Day Price Move • Feb 01Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$10.81, the stock trades at a trailing P/E ratio of 2.4x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 200% over the past three years.Recent Insider Transactions Derivative • Jan 25CFO & Executive VP of Accounting exercised options to buy US$382k worth of stock.On the 19th of January, Denesh Bharwani exercised options to buy 40k shares at a strike price of around US$5.59, costing a total of US$224k. This transaction amounted to 22% of their direct individual holding at the time of the trade. Since March 2022, Denesh's direct individual holding has decreased from 213.50k shares to 184.56k. Company insiders have collectively sold US$10m more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions • Dec 21Independent Director recently bought US$70k worth of stockOn the 16th of December, Gregory Washer bought around 9k shares on-market at roughly US$7.77 per share. This transaction amounted to 2.8% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$10.0m more in shares than they bought in the last 12 months.分析記事 • Dec 20Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of InvestorsIt's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Recent Insider Transactions Derivative • Nov 19Non-Executive Adviser notifies of intention to sell stockJeffrey Fritz intends to sell 113k shares in the next 90 days after lodging an Intent To Sell Form on the 15th of November. If the sale is conducted around the recent share price of US$6.64, it would amount to US$753k. Since March 2022, Jeffrey's direct individual holding has decreased from 305.00k shares to 113.44k. Company insiders have collectively sold US$9.6m more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions Derivative • Nov 08Chairman exercised options to buy US$639k worth of stock.On the 3rd of November, Charles Bradley exercised options to buy 100k shares at a strike price of around US$3.72, costing a total of US$372k. This transaction amounted to 3.0% of their direct individual holding at the time of the trade. Since December 2021, Charles' direct individual holding has increased from 3.17m shares to 3.54m. Company insiders have collectively sold US$9.6m more than they bought, via options and on-market transactions in the last 12 months.Buying Opportunity • Oct 07Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 43%. The fair value is estimated to be US$7.40, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 73%.Valuation Update With 7 Day Price Move • Sep 26Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to US$9.31, the stock trades at a trailing P/E ratio of 2.5x. Average trailing P/E is 4x in the Consumer Finance industry in the US. Total returns to shareholders of 159% over the past three years.Recent Insider Transactions • Sep 13Executive VP & CFO recently sold US$283k worth of stockOn the 8th of September, Jeffrey Fritz sold around 25k shares on-market at roughly US$11.30 per share. This transaction amounted to 18% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$360k. Jeffrey has been a net seller over the last 12 months, reducing personal holdings by US$3.8m.Valuation Update With 7 Day Price Move • Sep 01Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to US$11.40, the stock trades at a trailing P/E ratio of 3x. Average trailing P/E is 4x in the Consumer Finance industry in the US. Total returns to shareholders of 215% over the past three years.Recent Insider Transactions Derivative • Aug 27Executive VP & CFO notifies of intention to sell stockJeffrey Fritz intends to sell 50k shares in the next 90 days after lodging an Intent To Sell Form on the 18th of August. If the sale is conducted around the recent share price of US$13.47, it would amount to US$674k. Since December 2021, Jeffrey's direct individual holding has decreased from 330.00k shares to 138.44k. Company insiders have collectively sold US$9.6m more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions • Aug 19Insider recently sold US$99k worth of stockOn the 16th of August, John Harton sold around 8k shares on-market at roughly US$12.26 per share. In the last 3 months, there was an even bigger sale from another insider worth US$360k. Insiders have been net sellers, collectively disposing of US$9.7m more than they bought in the last 12 months.Recent Insider Transactions • Aug 10Executive VP & CFO recently sold US$360k worth of stockOn the 8th of August, Jeffrey Fritz sold around 30k shares on-market at roughly US$12.00 per share. In the last 3 months, there was an even bigger sale from another insider worth US$434k. Jeffrey has been a seller over the last 12 months, reducing personal holdings by US$3.5m.Seeking Alpha • Jul 25Consumer Portfolio Services GAAP EPS of $0.91, revenue of $82.01MConsumer Portfolio Services press release (NASDAQ:CPSS): Q2 GAAP EPS of $0.91. Revenue of $82.01M (+22.8% Y/Y). Pretax income of $34.2 million, a 147% increase over the prior year period. New contract purchases of $548.1 million, a 33.7% increase over the first quarter of 2022. Pretax income for the second quarter of 2022 was $34.2 million compared to pretax income of $13.9 million in the second quarter of 2021, an increase of $20.3 million. Total operating expenses for the second quarter of 2022 were $47.8 million compared to $52.9 million for the 2021 period for a decrease of $5.1 million, or 9.6%.Valuation Update With 7 Day Price Move • Jul 21Investor sentiment improved over the past weekAfter last week's 19% share price gain to US$11.98, the stock trades at a trailing P/E ratio of 4x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 232% over the past three years.Seeking Alpha • Jun 30Consumer Portfolio Services doubles credit facility to $200MConsumer Portfolio Services (NASDAQ:CPSS) increased the capacity of its credit agreement with Ares Agent Services from $100M to $200M. Company may borrow on a revolving basis through January 31, 2024, after which CPS will have the option to repay the outstanding loans in full or to allow them to amortize through January 31, 2028.Recent Insider Transactions • Jun 16Executive VP & CFO recently sold US$260k worth of stockOn the 13th of June, Jeffrey Fritz sold around 25k shares on-market at roughly US$10.40 per share. In the last 3 months, they made an even bigger sale worth US$700k. Jeffrey has been a seller over the last 12 months, reducing personal holdings by US$3.1m.Valuation Update With 7 Day Price Move • Jun 10Investor sentiment deteriorated over the past weekAfter last week's 19% share price decline to US$11.06, the stock trades at a trailing P/E ratio of 3.7x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 209% over the past three years.Recent Insider Transactions • May 28Executive VP & CFO recently sold US$333k worth of stockOn the 26th of May, Jeffrey Fritz sold around 25k shares on-market at roughly US$13.30 per share. In the last 3 months, there was an even bigger sale from another insider worth US$977k. Jeffrey has been a seller over the last 12 months, reducing personal holdings by US$2.5m.Recent Insider Transactions • Apr 28Senior Vice President of Sales recently sold US$564k worth of stockOn the 26th of April, Teri Robinson sold around 49k shares on-market at roughly US$11.51 per share. In the last 3 months, there was an even bigger sale from another insider worth US$977k. Insiders have been net sellers, collectively disposing of US$5.1m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Apr 05Chairman exercised options to buy US$2.2m worth of stock.On the 31st of March, Charles Bradley exercised options to buy 200k shares at a strike price of around US$1.42, costing a total of US$284k. This transaction amounted to 6.6% of their direct individual holding at the time of the trade. Since June 2021, Charles' direct individual holding has increased from 2.57m shares to 3.05m. Company insiders have collectively sold US$1.9m more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions Derivative • Mar 03Senior Vice President of Systems exercised options and sold US$222k worth of stockOn the 25th of February, Christopher Terry exercised 110.00k options at around US$1.20, then sold 38k of the shares acquired at an average of US$12.00 per share and kept the remainder. Since June 2021, Christopher's direct individual holding has decreased from 49.89k shares to 42.62k. Company insiders have collectively bought US$1.2m more than they sold, via options and on-market transactions, in the last 12 months.Recent Insider Transactions • Feb 26Executive VP & CFO recently sold US$573k worth of stockOn the 25th of February, Jeffrey Fritz sold around 50k shares on-market at roughly US$11.46 per share. This was the largest sale by an insider in the last 3 months. This was Jeffrey's only on-market trade for the last 12 months.Valuation Update With 7 Day Price Move • Feb 10Investor sentiment improved over the past weekAfter last week's 27% share price gain to US$14.67, the stock trades at a trailing P/E ratio of 9.5x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 271% over the past three years.Recent Insider Transactions Derivative • Feb 01Executive VP & CFO exercised options to buy US$602k worth of stock.On the 27th of January, Jeffrey Fritz exercised options to buy 50k shares at a strike price of around US$1.41, costing a total of US$70k. This transaction amounted to 15% of their direct individual holding at the time of the trade. Since June 2021, Jeffrey has owned 330.00k shares directly. Company insiders have collectively bought US$1.8m more than they sold, via options and on-market transactions, in the last 12 months.Valuation Update With 7 Day Price Move • Dec 28Investor sentiment improved over the past weekAfter last week's 19% share price gain to US$9.56, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 8x in the Consumer Finance industry in the US. Total returns to shareholders of 218% over the past three years.Valuation Update With 7 Day Price Move • Dec 11Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$9.39, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 7x in the Consumer Finance industry in the US. Total returns to shareholders of 175% over the past three years.Recent Insider Transactions Derivative • Nov 27Chairman exercised options to buy US$4.9m worth of stock.On the 23rd of November, Charles Bradley exercised options to buy 600k shares at a strike price of around US$1.55, costing a total of US$928k. This transaction amounted to 23% of their direct individual holding at the time of the trade. Since December 2020, Charles' direct individual holding has increased from 2.47m shares to 2.76m. Company insiders have collectively bought US$1.3m more than they sold, via options and on-market transactions, in the last 12 months.Recent Insider Transactions • Nov 19Senior VP recently sold US$56k worth of stockOn the 12th of November, Mark Creatura sold around 7k shares on-market at roughly US$8.07 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$718k more than they bought in the last 12 months.Recent Insider Transactions Derivative • Sep 23Senior VP exercised options to buy US$339k worth of stock.On the 20th of September, Mark Creatura exercised options to buy 58k shares at a strike price of around US$1.57, costing a total of US$92k. This transaction amounted to 20% of their direct individual holding at the time of the trade. Since December 2020, Mark's direct individual holding has increased from 378.02k shares to 388.02k. Company insiders have collectively bought US$367k more than they sold, via options and on-market transactions, in the last 12 months.Recent Insider Transactions Derivative • Aug 19Independent Director exercised options to buy US$613k worth of stock.On the 13th of August, William Roberts exercised options to buy 120k shares at a strike price of around US$3.46, costing a total of US$415k. This transaction amounted to 16% of their direct individual holding at the time of the trade. Since September 2020, William has owned 750.98k shares directly. Company insiders have collectively bought US$275k more than they sold, via options and on-market transactions, in the last 12 months.Major Estimate Revision • Aug 19Consensus EPS estimates increase to US$0.95The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$247.3m to US$252.5m. EPS estimate increased from US$0.75 to US$0.95 per share. Net income forecast to shrink 4.0% next year vs 1.2% decline forecast for Consumer Finance industry in the US. Consensus price target up from US$4.67 to US$7.00. Share price was steady at US$5.59 over the past week.Price Target Changed • Aug 13Price target increased to US$5.00Up from US$4.67, the current price target is an average from 3 analysts. New target price is 12% below last closing price of US$5.66.Valuation Update With 7 Day Price Move • Aug 12Investor sentiment improved over the past weekAfter last week's 22% share price gain to US$5.76, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Consumer Finance industry in the US. Total returns to shareholders of 71% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$3.58 per share.Recent Insider Transactions Derivative • Jun 05Chairman exercised options to buy US$494k worth of stock.On the 3rd of June, Charles Bradley exercised options to buy 100k shares at a strike price of around US$1.03, costing a total of US$103k. This transaction amounted to 4.1% of their direct individual holding at the time of the trade. Since September 2020, Charles' direct individual holding has increased from 2.46m shares to 2.62m. Company insiders have collectively sold US$184k more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions Derivative • May 25Senior Vice President of Sales exercised options to buy US$228k worth of stock.On the 19th of May, Teri Robinson exercised options to buy 50k shares at a strike price of around US$1.03, costing a total of US$52k. This transaction amounted to 17% of their direct individual holding at the time of the trade. Since September 2020, Teri's direct individual holding has increased from 301.80k shares to 351.80k. Company insiders have collectively sold US$343k more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions Derivative • May 21Executive VP & CFO exercised options to buy US$212k worth of stock.On the 18th of May, Jeffrey Fritz exercised options to buy 50k shares at a strike price of around US$1.03, costing a total of US$52k. This transaction amounted to 18% of their direct individual holding at the time of the trade. Since September 2020, Jeffrey has owned 280.00k shares directly. Company insiders have collectively sold US$409k more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions • Mar 17Independent Director recently sold US$73k worth of stockOn the 8th of March, Daniel Wood sold around 17k shares on-market at roughly US$4.30 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$698k more than they bought in the last 12 months.Analyst Estimate Surprise Post Earnings • Mar 13Earnings beat expectations, revenue disappointsRevenue missed analyst estimates by 1.9%. Earnings per share (EPS) exceeded analyst estimates by 5.9%. Over the next year, revenue is forecast to grow 33%, compared to a 40% growth forecast for the Consumer Finance industry in the US.Is New 90 Day High Low • Mar 05New 90-day low: US$3.82The company is down 6.0% from its price of US$4.06 on 04 December 2020. The American market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 18% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$2.79 per share.Analyst Estimate Surprise Post Earnings • Feb 26Earnings beat expectations, revenue disappointsRevenue missed analyst estimates by 1.9%. Earnings per share (EPS) exceeded analyst estimates by 5.9%. Over the next year, revenue is forecast to grow 39%, compared to a 40% growth forecast for the Consumer Finance industry in the US.Analyst Estimate Surprise Post Earnings • Nov 08Revenue and earnings miss expectationsRevenue missed analyst estimates by 0.4%. Earnings per share (EPS) also missed analyst estimates by 46%. Over the next year, revenue is forecast to grow 51%, compared to a 44% growth forecast for the Consumer Finance industry in the US.Valuation Update With 7 Day Price Move • Oct 28Market pulls back on stock over the past weekAfter last week's 17% share price decline to US$3.80, the stock is trading at a trailing P/E ratio of 4.9x, down from the previous P/E ratio of 5.9x. This compares to an average P/E of 12x in the Consumer Finance industry in the US. Total return to shareholders over the past three years is a loss of 13%.Analyst Estimate Surprise Post Earnings • Oct 22Third-quarter earnings released: Earnings miss expectationsEarnings per share (EPS) missed analyst estimates by 53% at US$0.16. Revenue is forecast to grow 52% over the next year, compared to a 41% growth forecast for the Consumer Finance industry in the US.Price Target Changed • Oct 11Price target raised to US$4.00Up from US$3.17, the current price target is an average from 3 analysts. The new target price is 14% below the current share price of US$4.64.Is New 90 Day High Low • Oct 09New 90-day high: US$4.69The company is up 49% from its price of US$3.15 on 10 July 2020. The American market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 16% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$2.12 per share. このセクションでは通常、投資家が会社の利益創出能力を理解する一助となるよう、プロのアナリストのコンセンサス予想に基づく収益と利益の成長予測を提示する。しかし、Consumer Portfolio Services は十分な過去のデータを提供しておらず、アナリストの予測もないため、過去のデータを外挿したり、アナリストの予測を使用しても、その将来の収益を確実に算出することはできません。 シンプリー・ウォール・ストリートがカバーする企業の97%は過去の財務データを持っているため、これはかなり稀な状況です。 業績と収益の成長予測NasdaqGM:CPSS - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数3/31/202620320298299N/A12/31/202519919288289N/A9/30/202519619281281N/A6/30/202519119265266N/A3/31/202518819254255N/A12/31/202418519233234N/A9/30/202418421221222N/A6/30/202418827213213N/A3/31/202420236225226N/A12/31/202321545237238N/A9/30/202322652232233N/A6/30/202324167216217N/A3/31/202324979211213N/A12/31/202225486214216N/A9/30/202226191198200N/A6/30/202224879203205N/A3/31/202222963199201N/A12/31/202121148196198N/A9/30/202119133211211N/A6/30/202118123221222N/A3/31/202118016240240N/A12/31/202018422239239N/A9/30/202017518236237N/A6/30/202017116233234N/A3/31/202016214221222N/A12/31/20191485N/A217N/A9/30/201915111N/A228N/A6/30/201915212N/A227N/A3/31/201915213N/A212N/A12/31/201815415N/A216N/A9/30/20181540N/A206N/A6/30/20181551N/A202N/A3/31/20181552N/A217N/A12/31/20171544N/A216N/A9/30/201715721N/A205N/A6/30/201715924N/A198N/A3/31/201716227N/A198N/A12/31/201616229N/A196N/A9/30/201616231N/A209N/A6/30/201616332N/A212N/A3/31/201616134N/A198N/A12/31/201516235N/A188N/A9/30/201515834N/A173N/A6/30/201515433N/A157N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: CPSSの予測収益成長が 貯蓄率 ( 3.5% ) を上回っているかどうかを判断するにはデータが不十分です。収益対市場: CPSSの収益がUS市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です高成長収益: CPSSの収益が今後 3 年間で 大幅に 増加すると予想されるかどうかを判断するにはデータが不十分です。収益対市場: CPSSの収益がUS市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。高い収益成長: CPSSの収益が年間20%よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。一株当たり利益成長率予想将来の株主資本利益率将来のROE: CPSSの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YDiversified-financials 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/26 17:49終値2026/05/26 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Consumer Portfolio Services, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。4 アナリスト機関John RowanBrean Capital Historical (Janney Montgomery)David ScharfCitizens JMP Securities, LLCJohn HechtJefferies LLC1 その他のアナリストを表示
Major Estimate Revision • Aug 19Consensus EPS estimates increase to US$0.95The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$247.3m to US$252.5m. EPS estimate increased from US$0.75 to US$0.95 per share. Net income forecast to shrink 4.0% next year vs 1.2% decline forecast for Consumer Finance industry in the US. Consensus price target up from US$4.67 to US$7.00. Share price was steady at US$5.59 over the past week.
Price Target Changed • Aug 13Price target increased to US$5.00Up from US$4.67, the current price target is an average from 3 analysts. New target price is 12% below last closing price of US$5.66.
Price Target Changed • Oct 11Price target raised to US$4.00Up from US$3.17, the current price target is an average from 3 analysts. The new target price is 14% below the current share price of US$4.64.
Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Director Scott Carnahan was the last director to join the board, commencing their role in 2026. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 25Consumer Portfolio Services, Inc. Announces Appointment of Scott W. Carnahan as Director, Effective February 18, 2026Consumer Portfolio Services, Inc. appointed Scott W. Carnahan as a director of the Company to fill the vacancy created by the prior resignation of William B. Roberts from the Board, effective February 18, 2026. Scott W. Carnahan brings to the Board more than 40 years of accounting, consulting, regulatory compliance, and executive leadership experience in the financial institutions sector, including senior roles at FTI Consulting, Inc. and KPMG LLP, where he led the structured finance practice and advised on over $2 trillion in transactions. Scott W. Carnahan is a senior advisor to FTI Consulting, Inc. His term will expire at the Company's 2026 annual meeting of shareholders and until a successor has been duly elected and qualified, or until his earlier resignation, retirement or other termination of service.
お知らせ • Feb 06Consumer Portfolio Services, Inc. Announces Resignation of Director William B. Roberts, Effective January 30, 2026Consumer Portfolio Services, Inc. announced that on January 30, 2026, William B. Roberts notified the company of his resignation as a director of the company, effective as of January 30, 2026.
お知らせ • Nov 13Black Diamond Capital Intends to Vote Against Company ProposalOn November 12, 2025, Black Diamond Capital Management announced that one of its affiliates intends to vote against the Consumer Portfolio Services, Inc’s proposal to approve its 2025 Equity Incentive Plan, at the annual meeting of shareholders. In addition, Black Diamond stated that Company’s stock has declined ~26% year-to-date, while the S&P 500 gained over 16%, Stock trades at ~65% of book value, signaling shareholder doubts about returns on capital, existing 2006 Equity Plan already has options on 6.23M shares (~28.2% of outstanding shares), which Black Diamond considers excessive compared to peers. Further, Black Diamond stated that independent Proxy advisory firm ISS recommended voting against the proposal due to excessive dilution, and it believes the Company board should not have approved the plan.
お知らせ • Oct 29Consumer Portfolio Services, Inc., Annual General Meeting, Nov 19, 2025Consumer Portfolio Services, Inc., Annual General Meeting, Nov 19, 2025. Location: companys nevada office, at 3800 howard hughes parkway, suite 1400, las vegas, nevada 89169, United States
Seeking Alpha • Oct 29Consumer Portfolio Services Is A Value TrapSummary Consumer Portfolio Services trades at a discount but faces significant risks as a specialized subprime auto lender in a volatile market. CPSS's financial performance is highly cyclical, with recent declines in revenue, net income, and returns on equity and assets. Rising subprime auto loan delinquencies, extreme leverage, and sector bankruptcies signal heightened risk and potential for further deterioration. Despite attractive free cash flow and valuation, CPSS is rated a 'Strong Sell' due to its deteriorating fundamentals and exposure to worsening economic conditions. Read the full article on Seeking Alpha
お知らせ • May 13Consumer Portfolio Services, Inc. Reports Annualized Net Charge-Offs for the First Quarter Ended March 31, 2025Consumer Portfolio Services, Inc. reported Annualized net charge-offs for the first quarter ended March 31, 2025. For the period, the company reported annualized net charge-offs 7.54% of the average portfolio as compared to 7.84% for the first quarter of 2024.
分析記事 • Apr 08Fewer Investors Than Expected Jumping On Consumer Portfolio Services, Inc. (NASDAQ:CPSS)Consumer Portfolio Services, Inc.'s ( NASDAQ:CPSS ) price-to-earnings (or "P/E") ratio of 11.2x might make it look like...
Seeking Alpha • Dec 27Consumer Portfolio Services: Added To WatchlistSummary CPSS faces elevated delinquency rates, but forecasts suggest potential improvement in used car delinquencies by 2025, indicating a possible turnaround. Despite rising delinquencies, CPSS has achieved 12% year-over-year portfolio growth and improved operational efficiency through AI-driven processes. CPSS trades at a 30% discount to book value, presenting a potential upside if delinquency rates stabilize and portfolio quality improves. Read the full article on Seeking Alpha
お知らせ • Oct 14Consumer Portfolio Services, Inc., Annual General Meeting, Nov 12, 2024Consumer Portfolio Services, Inc., Annual General Meeting, Nov 12, 2024. Location: 3800 howard hughes parkway, suite 1400, nevada 89169, las vegas United States
新しいナラティブ • Sep 28Surging Loan Originations And Tech Innovations Promise Bright Future For Financial Growth Expansion in loan origination and strategic focus on technology upgrades signify potential for revenue growth and operational efficiency improvements.
分析記事 • Jul 17Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It LooksWith a price-to-earnings (or "P/E") ratio of 6.1x Consumer Portfolio Services, Inc. ( NASDAQ:CPSS ) may be sending very...
Recent Insider Transactions Derivative • May 19Executive Vice President of Servicing exercised options and sold US$134k worth of stockOn the 15th of May, Laurie Straten exercised 60.00k options at around US$4.35, then sold 34k of the shares acquired at an average of US$8.24 per share and kept the remainder. Since December 2023, Laurie has owned 180.87k shares directly. Company insiders have collectively sold US$138k more than they bought, via options and on-market transactions in the last 12 months.
Valuation Update With 7 Day Price Move • Apr 11Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$9.24, the stock trades at a trailing P/E ratio of 4.3x. Average trailing P/E is 10x in the Consumer Finance industry in the US. Total returns to shareholders of 131% over the past three years.
分析記事 • Apr 11Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift SharesWhen close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...
Valuation Update With 7 Day Price Move • Jan 04Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to US$8.49, the stock trades at a trailing P/E ratio of 3.4x. Average trailing P/E is 9x in the Consumer Finance industry in the US. Total returns to shareholders of 96% over the past three years.
分析記事 • Jan 04Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It LooksWhen close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...
Recent Insider Transactions • Dec 20Independent Director recently sold US$74k worth of stockOn the 15th of December, Daniel Wood sold around 8k shares on-market at roughly US$9.26 per share. This transaction amounted to 3.5% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
New Risk • Nov 14New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 3.3% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (9.1% operating cash flow to total debt). Minor Risks Profit margins are more than 30% lower than last year (23% net profit margin). Shareholders have been diluted in the past year (3.3% increase in shares outstanding).
New Risk • Nov 10New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 22% Last year net profit margin: 35% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (9.1% operating cash flow to total debt). Minor Risk Profit margins are more than 30% lower than last year (22% net profit margin).
Recent Insider Transactions Derivative • Oct 31Secretary & Independent Director exercised options and sold US$164k worth of stockOn the 27th of October, Brian Rayhill exercised 70.00k options at around US$4.53, then sold 34k of the shares acquired at an average of US$9.39 per share and kept the remainder. Since March 2023, Brian's direct individual holding has increased from 122.03k shares to 152.18k. Company insiders have collectively bought US$1.6m more than they sold, via options and on-market transactions, in the last 12 months.
お知らせ • Oct 21Consumer Portfolio Services, Inc., Annual General Meeting, Nov 14, 2023Consumer Portfolio Services, Inc., Annual General Meeting, Nov 14, 2023, at 10:00 Pacific Standard Time. Location: 3800 Howard Hughes Parkway, Suite 1400 Las Vegas Nevada United States Agenda: To elect directors to the Company’s Board of Directors each for a one-year term; to ratify the appointment of Crowe LLP as the Company’s independent auditors for the fiscal year ending December 31, 2023; and to approve an advisory resolution on executive compensation.
New Risk • Oct 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of American stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (8.5% operating cash flow to total debt). Minor Risk Share price has been volatile over the past 3 months (9.2% average weekly change).
分析記事 • Jul 13With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting CaseThe excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Valuation Update With 7 Day Price Move • Jul 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$12.89, the stock trades at a trailing P/E ratio of 3.4x. Average trailing P/E is 8x in the Consumer Finance industry in the US. Total returns to shareholders of 317% over the past three years.
Recent Insider Transactions Derivative • May 16CEO & Chairman exercised options and sold US$723k worth of stockOn the 11th of May, Charles Bradley exercised 300.00k options at around US$3.48, then sold 97k of the shares acquired at an average of US$10.91 per share and kept the remainder. For the year to December 2016, Charles' total compensation was 9% salary and 91% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since June 2022, Charles' direct individual holding has increased from 3.36m shares to 3.71m. Company insiders have collectively sold US$1.5m more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions Derivative • May 06Secretary & Independent Director exercised options and sold US$150k worth of stockOn the 2nd of May, Brian Rayhill exercised 70.00k options at around US$3.48, then sold 40k of the shares acquired at an average of US$7.24 per share and kept the remainder. Since June 2022, Brian's direct individual holding has increased from 80.90k shares to 122.03k. Company insiders have collectively sold US$2.2m more than they bought, via options and on-market transactions in the last 12 months.
分析記事 • Mar 30Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$9.41, the stock trades at a trailing P/E ratio of 2.1x. Average trailing P/E is 5x in the Consumer Finance industry in the US. Total returns to shareholders of 241% over the past three years.
Valuation Update With 7 Day Price Move • Feb 01Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$10.81, the stock trades at a trailing P/E ratio of 2.4x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 200% over the past three years.
Recent Insider Transactions Derivative • Jan 25CFO & Executive VP of Accounting exercised options to buy US$382k worth of stock.On the 19th of January, Denesh Bharwani exercised options to buy 40k shares at a strike price of around US$5.59, costing a total of US$224k. This transaction amounted to 22% of their direct individual holding at the time of the trade. Since March 2022, Denesh's direct individual holding has decreased from 213.50k shares to 184.56k. Company insiders have collectively sold US$10m more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions • Dec 21Independent Director recently bought US$70k worth of stockOn the 16th of December, Gregory Washer bought around 9k shares on-market at roughly US$7.77 per share. This transaction amounted to 2.8% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$10.0m more in shares than they bought in the last 12 months.
分析記事 • Dec 20Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of InvestorsIt's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Recent Insider Transactions Derivative • Nov 19Non-Executive Adviser notifies of intention to sell stockJeffrey Fritz intends to sell 113k shares in the next 90 days after lodging an Intent To Sell Form on the 15th of November. If the sale is conducted around the recent share price of US$6.64, it would amount to US$753k. Since March 2022, Jeffrey's direct individual holding has decreased from 305.00k shares to 113.44k. Company insiders have collectively sold US$9.6m more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions Derivative • Nov 08Chairman exercised options to buy US$639k worth of stock.On the 3rd of November, Charles Bradley exercised options to buy 100k shares at a strike price of around US$3.72, costing a total of US$372k. This transaction amounted to 3.0% of their direct individual holding at the time of the trade. Since December 2021, Charles' direct individual holding has increased from 3.17m shares to 3.54m. Company insiders have collectively sold US$9.6m more than they bought, via options and on-market transactions in the last 12 months.
Buying Opportunity • Oct 07Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 43%. The fair value is estimated to be US$7.40, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 73%.
Valuation Update With 7 Day Price Move • Sep 26Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to US$9.31, the stock trades at a trailing P/E ratio of 2.5x. Average trailing P/E is 4x in the Consumer Finance industry in the US. Total returns to shareholders of 159% over the past three years.
Recent Insider Transactions • Sep 13Executive VP & CFO recently sold US$283k worth of stockOn the 8th of September, Jeffrey Fritz sold around 25k shares on-market at roughly US$11.30 per share. This transaction amounted to 18% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$360k. Jeffrey has been a net seller over the last 12 months, reducing personal holdings by US$3.8m.
Valuation Update With 7 Day Price Move • Sep 01Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to US$11.40, the stock trades at a trailing P/E ratio of 3x. Average trailing P/E is 4x in the Consumer Finance industry in the US. Total returns to shareholders of 215% over the past three years.
Recent Insider Transactions Derivative • Aug 27Executive VP & CFO notifies of intention to sell stockJeffrey Fritz intends to sell 50k shares in the next 90 days after lodging an Intent To Sell Form on the 18th of August. If the sale is conducted around the recent share price of US$13.47, it would amount to US$674k. Since December 2021, Jeffrey's direct individual holding has decreased from 330.00k shares to 138.44k. Company insiders have collectively sold US$9.6m more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions • Aug 19Insider recently sold US$99k worth of stockOn the 16th of August, John Harton sold around 8k shares on-market at roughly US$12.26 per share. In the last 3 months, there was an even bigger sale from another insider worth US$360k. Insiders have been net sellers, collectively disposing of US$9.7m more than they bought in the last 12 months.
Recent Insider Transactions • Aug 10Executive VP & CFO recently sold US$360k worth of stockOn the 8th of August, Jeffrey Fritz sold around 30k shares on-market at roughly US$12.00 per share. In the last 3 months, there was an even bigger sale from another insider worth US$434k. Jeffrey has been a seller over the last 12 months, reducing personal holdings by US$3.5m.
Seeking Alpha • Jul 25Consumer Portfolio Services GAAP EPS of $0.91, revenue of $82.01MConsumer Portfolio Services press release (NASDAQ:CPSS): Q2 GAAP EPS of $0.91. Revenue of $82.01M (+22.8% Y/Y). Pretax income of $34.2 million, a 147% increase over the prior year period. New contract purchases of $548.1 million, a 33.7% increase over the first quarter of 2022. Pretax income for the second quarter of 2022 was $34.2 million compared to pretax income of $13.9 million in the second quarter of 2021, an increase of $20.3 million. Total operating expenses for the second quarter of 2022 were $47.8 million compared to $52.9 million for the 2021 period for a decrease of $5.1 million, or 9.6%.
Valuation Update With 7 Day Price Move • Jul 21Investor sentiment improved over the past weekAfter last week's 19% share price gain to US$11.98, the stock trades at a trailing P/E ratio of 4x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 232% over the past three years.
Seeking Alpha • Jun 30Consumer Portfolio Services doubles credit facility to $200MConsumer Portfolio Services (NASDAQ:CPSS) increased the capacity of its credit agreement with Ares Agent Services from $100M to $200M. Company may borrow on a revolving basis through January 31, 2024, after which CPS will have the option to repay the outstanding loans in full or to allow them to amortize through January 31, 2028.
Recent Insider Transactions • Jun 16Executive VP & CFO recently sold US$260k worth of stockOn the 13th of June, Jeffrey Fritz sold around 25k shares on-market at roughly US$10.40 per share. In the last 3 months, they made an even bigger sale worth US$700k. Jeffrey has been a seller over the last 12 months, reducing personal holdings by US$3.1m.
Valuation Update With 7 Day Price Move • Jun 10Investor sentiment deteriorated over the past weekAfter last week's 19% share price decline to US$11.06, the stock trades at a trailing P/E ratio of 3.7x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 209% over the past three years.
Recent Insider Transactions • May 28Executive VP & CFO recently sold US$333k worth of stockOn the 26th of May, Jeffrey Fritz sold around 25k shares on-market at roughly US$13.30 per share. In the last 3 months, there was an even bigger sale from another insider worth US$977k. Jeffrey has been a seller over the last 12 months, reducing personal holdings by US$2.5m.
Recent Insider Transactions • Apr 28Senior Vice President of Sales recently sold US$564k worth of stockOn the 26th of April, Teri Robinson sold around 49k shares on-market at roughly US$11.51 per share. In the last 3 months, there was an even bigger sale from another insider worth US$977k. Insiders have been net sellers, collectively disposing of US$5.1m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Apr 05Chairman exercised options to buy US$2.2m worth of stock.On the 31st of March, Charles Bradley exercised options to buy 200k shares at a strike price of around US$1.42, costing a total of US$284k. This transaction amounted to 6.6% of their direct individual holding at the time of the trade. Since June 2021, Charles' direct individual holding has increased from 2.57m shares to 3.05m. Company insiders have collectively sold US$1.9m more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions Derivative • Mar 03Senior Vice President of Systems exercised options and sold US$222k worth of stockOn the 25th of February, Christopher Terry exercised 110.00k options at around US$1.20, then sold 38k of the shares acquired at an average of US$12.00 per share and kept the remainder. Since June 2021, Christopher's direct individual holding has decreased from 49.89k shares to 42.62k. Company insiders have collectively bought US$1.2m more than they sold, via options and on-market transactions, in the last 12 months.
Recent Insider Transactions • Feb 26Executive VP & CFO recently sold US$573k worth of stockOn the 25th of February, Jeffrey Fritz sold around 50k shares on-market at roughly US$11.46 per share. This was the largest sale by an insider in the last 3 months. This was Jeffrey's only on-market trade for the last 12 months.
Valuation Update With 7 Day Price Move • Feb 10Investor sentiment improved over the past weekAfter last week's 27% share price gain to US$14.67, the stock trades at a trailing P/E ratio of 9.5x. Average trailing P/E is 6x in the Consumer Finance industry in the US. Total returns to shareholders of 271% over the past three years.
Recent Insider Transactions Derivative • Feb 01Executive VP & CFO exercised options to buy US$602k worth of stock.On the 27th of January, Jeffrey Fritz exercised options to buy 50k shares at a strike price of around US$1.41, costing a total of US$70k. This transaction amounted to 15% of their direct individual holding at the time of the trade. Since June 2021, Jeffrey has owned 330.00k shares directly. Company insiders have collectively bought US$1.8m more than they sold, via options and on-market transactions, in the last 12 months.
Valuation Update With 7 Day Price Move • Dec 28Investor sentiment improved over the past weekAfter last week's 19% share price gain to US$9.56, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 8x in the Consumer Finance industry in the US. Total returns to shareholders of 218% over the past three years.
Valuation Update With 7 Day Price Move • Dec 11Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$9.39, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 7x in the Consumer Finance industry in the US. Total returns to shareholders of 175% over the past three years.
Recent Insider Transactions Derivative • Nov 27Chairman exercised options to buy US$4.9m worth of stock.On the 23rd of November, Charles Bradley exercised options to buy 600k shares at a strike price of around US$1.55, costing a total of US$928k. This transaction amounted to 23% of their direct individual holding at the time of the trade. Since December 2020, Charles' direct individual holding has increased from 2.47m shares to 2.76m. Company insiders have collectively bought US$1.3m more than they sold, via options and on-market transactions, in the last 12 months.
Recent Insider Transactions • Nov 19Senior VP recently sold US$56k worth of stockOn the 12th of November, Mark Creatura sold around 7k shares on-market at roughly US$8.07 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$718k more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Sep 23Senior VP exercised options to buy US$339k worth of stock.On the 20th of September, Mark Creatura exercised options to buy 58k shares at a strike price of around US$1.57, costing a total of US$92k. This transaction amounted to 20% of their direct individual holding at the time of the trade. Since December 2020, Mark's direct individual holding has increased from 378.02k shares to 388.02k. Company insiders have collectively bought US$367k more than they sold, via options and on-market transactions, in the last 12 months.
Recent Insider Transactions Derivative • Aug 19Independent Director exercised options to buy US$613k worth of stock.On the 13th of August, William Roberts exercised options to buy 120k shares at a strike price of around US$3.46, costing a total of US$415k. This transaction amounted to 16% of their direct individual holding at the time of the trade. Since September 2020, William has owned 750.98k shares directly. Company insiders have collectively bought US$275k more than they sold, via options and on-market transactions, in the last 12 months.
Major Estimate Revision • Aug 19Consensus EPS estimates increase to US$0.95The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$247.3m to US$252.5m. EPS estimate increased from US$0.75 to US$0.95 per share. Net income forecast to shrink 4.0% next year vs 1.2% decline forecast for Consumer Finance industry in the US. Consensus price target up from US$4.67 to US$7.00. Share price was steady at US$5.59 over the past week.
Price Target Changed • Aug 13Price target increased to US$5.00Up from US$4.67, the current price target is an average from 3 analysts. New target price is 12% below last closing price of US$5.66.
Valuation Update With 7 Day Price Move • Aug 12Investor sentiment improved over the past weekAfter last week's 22% share price gain to US$5.76, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Consumer Finance industry in the US. Total returns to shareholders of 71% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$3.58 per share.
Recent Insider Transactions Derivative • Jun 05Chairman exercised options to buy US$494k worth of stock.On the 3rd of June, Charles Bradley exercised options to buy 100k shares at a strike price of around US$1.03, costing a total of US$103k. This transaction amounted to 4.1% of their direct individual holding at the time of the trade. Since September 2020, Charles' direct individual holding has increased from 2.46m shares to 2.62m. Company insiders have collectively sold US$184k more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions Derivative • May 25Senior Vice President of Sales exercised options to buy US$228k worth of stock.On the 19th of May, Teri Robinson exercised options to buy 50k shares at a strike price of around US$1.03, costing a total of US$52k. This transaction amounted to 17% of their direct individual holding at the time of the trade. Since September 2020, Teri's direct individual holding has increased from 301.80k shares to 351.80k. Company insiders have collectively sold US$343k more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions Derivative • May 21Executive VP & CFO exercised options to buy US$212k worth of stock.On the 18th of May, Jeffrey Fritz exercised options to buy 50k shares at a strike price of around US$1.03, costing a total of US$52k. This transaction amounted to 18% of their direct individual holding at the time of the trade. Since September 2020, Jeffrey has owned 280.00k shares directly. Company insiders have collectively sold US$409k more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions • Mar 17Independent Director recently sold US$73k worth of stockOn the 8th of March, Daniel Wood sold around 17k shares on-market at roughly US$4.30 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$698k more than they bought in the last 12 months.
Analyst Estimate Surprise Post Earnings • Mar 13Earnings beat expectations, revenue disappointsRevenue missed analyst estimates by 1.9%. Earnings per share (EPS) exceeded analyst estimates by 5.9%. Over the next year, revenue is forecast to grow 33%, compared to a 40% growth forecast for the Consumer Finance industry in the US.
Is New 90 Day High Low • Mar 05New 90-day low: US$3.82The company is down 6.0% from its price of US$4.06 on 04 December 2020. The American market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 18% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$2.79 per share.
Analyst Estimate Surprise Post Earnings • Feb 26Earnings beat expectations, revenue disappointsRevenue missed analyst estimates by 1.9%. Earnings per share (EPS) exceeded analyst estimates by 5.9%. Over the next year, revenue is forecast to grow 39%, compared to a 40% growth forecast for the Consumer Finance industry in the US.
Analyst Estimate Surprise Post Earnings • Nov 08Revenue and earnings miss expectationsRevenue missed analyst estimates by 0.4%. Earnings per share (EPS) also missed analyst estimates by 46%. Over the next year, revenue is forecast to grow 51%, compared to a 44% growth forecast for the Consumer Finance industry in the US.
Valuation Update With 7 Day Price Move • Oct 28Market pulls back on stock over the past weekAfter last week's 17% share price decline to US$3.80, the stock is trading at a trailing P/E ratio of 4.9x, down from the previous P/E ratio of 5.9x. This compares to an average P/E of 12x in the Consumer Finance industry in the US. Total return to shareholders over the past three years is a loss of 13%.
Analyst Estimate Surprise Post Earnings • Oct 22Third-quarter earnings released: Earnings miss expectationsEarnings per share (EPS) missed analyst estimates by 53% at US$0.16. Revenue is forecast to grow 52% over the next year, compared to a 41% growth forecast for the Consumer Finance industry in the US.
Price Target Changed • Oct 11Price target raised to US$4.00Up from US$3.17, the current price target is an average from 3 analysts. The new target price is 14% below the current share price of US$4.64.
Is New 90 Day High Low • Oct 09New 90-day high: US$4.69The company is up 49% from its price of US$3.15 on 10 July 2020. The American market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 16% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$2.12 per share.
