CPSS Share Price Performance
US$8.16
-2.46 (-23.16%)
45.6% undervalued intrinsic discount
US$15.00
Fair Value
Price US$8.16
AnalystConsensusTarget US$15.00
Fair ValueUS$15.00
Share PriceUS$8.16
45.6% undervalued intrinsic discount
Consumer Portfolio Services, Inc. Stock Price
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CPSS Community Narratives
AN
Fair Value US$15 45.6% undervalued intrinsic discount
Digitalization And Improved Underwriting Will Advance Auto Financing
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Digitalization And Improved Underwriting Will Advance Auto Financing
Key Takeaways Enhanced digitalization and AI-driven automation are increasing operational efficiency, lowering expenses, and setting up margin expansion as the company scales its loan portfolio. Strengthened underwriting, improved risk analytics, and diversified dealer relationships are fueling portfolio growth, credit quality, and prospects for sustained earnings improvement.Read more
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AN
US$15
45.6% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue growth
76.75% p.a.
Profit Margin
8.05%
Future PE
5.97x
Share price in 2028
US$20.51
Snowflake Analysis
Consumer Portfolio Services, Inc. Key Details
Last Reported Earnings
Jun 30, 2025
Next Reporting Earnings
n/a
- 0.87
- 100.00%
- 10.11%
- 1,119.4%
About CPSS
- Founded
- 1991
- Employees
- 932
- CEO
- WebsiteView website
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
