Consumer Portfolio Services Management
Management criteria checks 3/4
Consumer Portfolio Services' CEO is Charles Bradley, appointed in Jan 1992, has a tenure of 34.42 years. total yearly compensation is $2.16M, comprised of 46.1% salary and 53.9% bonuses, including company stock and options. directly owns 19.03% of the company’s shares, worth $38.14M. The average tenure of the management team and the board of directors is 3.5 years and 6.7 years respectively.
Key information
Charles Bradley
Chief executive officer
US$2.2m
Total compensation
| CEO salary percentage | 46.15% |
| CEO tenure | 34.4yrs |
| CEO ownership | 19.0% |
| Management average tenure | 3.5yrs |
| Board average tenure | 6.7yrs |
Recent management updates
Recent updates
Consumer Portfolio Services Is A Value Trap
Summary 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 AlphaFewer 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...Consumer Portfolio Services: Added To Watchlist
Summary 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
Surging 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.Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks
With a price-to-earnings (or "P/E") ratio of 6.1x Consumer Portfolio Services, Inc. ( NASDAQ:CPSS ) may be sending very...Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift Shares
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting Case
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Do 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...Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Consumer Portfolio Services GAAP EPS of $0.91, revenue of $82.01M
Consumer 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%.Consumer Portfolio Services doubles credit facility to $200M
Consumer 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.CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$20m |
| Dec 31 2025 | US$2m | US$995k | US$19m |
| Sep 30 2025 | n/a | n/a | US$19m |
| Jun 30 2025 | n/a | n/a | US$19m |
| Mar 31 2025 | n/a | n/a | US$19m |
| Dec 31 2024 | US$4m | US$995k | US$19m |
| Sep 30 2024 | n/a | n/a | US$21m |
| Jun 30 2024 | n/a | n/a | US$27m |
| Mar 31 2024 | n/a | n/a | US$36m |
| Dec 31 2023 | US$4m | US$995k | US$45m |
| Sep 30 2023 | n/a | n/a | US$52m |
| Jun 30 2023 | n/a | n/a | US$67m |
| Mar 31 2023 | n/a | n/a | US$79m |
| Dec 31 2022 | US$11m | US$995k | US$86m |
| Sep 30 2022 | n/a | n/a | US$91m |
| Jun 30 2022 | n/a | n/a | US$79m |
| Mar 31 2022 | n/a | n/a | US$63m |
| Dec 31 2021 | US$5m | US$995k | US$48m |
| Sep 30 2021 | n/a | n/a | US$33m |
| Jun 30 2021 | n/a | n/a | US$23m |
| Mar 31 2021 | n/a | n/a | US$16m |
| Dec 31 2020 | US$4m | US$995k | US$22m |
| Sep 30 2020 | n/a | n/a | US$18m |
| Jun 30 2020 | n/a | n/a | US$16m |
| Mar 31 2020 | n/a | n/a | US$14m |
| Dec 31 2019 | US$4m | US$995k | US$5m |
Compensation vs Market: Charles's total compensation ($USD2.16M) is above average for companies of similar size in the US market ($USD1.64M).
Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.
CEO
Charles Bradley (66 yo)
Mr. Charles E. Bradley, Jr. had been the President of Consumer Portfolio Services, Inc. since March 1, 1991 until December 02, 2022 and has been its Director since March 1, 1991. He serves as is its Chairm...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Chairman | 34.4yrs | US$2.16m | 19.03% $ 38.1m | |
| President | 13.3yrs | US$937.90k | 2.11% $ 4.2m | |
| CFO & Executive VP | 3.8yrs | US$775.04k | 1.7% $ 3.4m | |
| Secretary & Independent Director | no data | US$107.20k | 1.07% $ 2.1m | |
| Executive Vice President of Sales & Originations | 5.4yrs | US$388.34k | 2.29% $ 4.6m | |
| Senior Vice President of Human Resources | 3.5yrs | no data | 0.26% $ 514.9k | |
| Senior EVP & Chief Risk Officer | less than a year | US$1.05m | 0.0046% $ 9.2k | |
| Executive Vice President of Systems | 23.4yrs | US$383.53k | 1.09% $ 2.2m | |
| Senior Vice President of Systems | 3.5yrs | no data | no data | |
| Senior Vice President of Servicing | 3yrs | no data | 0.11% $ 229.6k | |
| Senior VP & General Counsel | 3yrs | no data | 0.012% $ 24.4k | |
| Senior Vice President of Servicing | 3yrs | no data | 0.28% $ 565.4k |
Experienced Management: CPSS's management team is considered experienced (3.5 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Chairman | 35.3yrs | US$2.16m | 19.03% $ 38.1m | |
| Secretary & Independent Director | 19.8yrs | US$107.20k | 1.07% $ 2.1m | |
| Independent Director | 24.9yrs | US$107.20k | 0.90% $ 1.8m | |
| Independent Director | 3.8yrs | US$73.50k | no data | |
| Independent Director | 3.8yrs | US$75.00k | no data | |
| Independent Director | 4.5yrs | US$92.30k | 0.014% $ 28.7k | |
| Independent Director | 19yrs | US$98.80k | 2.01% $ 4.0m | |
| Director | less than a year | no data | 0.17% $ 332.6k | |
| Independent Director | 6.7yrs | US$84.40k | 0.14% $ 280.0k |
Experienced Board: CPSS's board of directors are considered experienced (6.7 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/10 09:55 |
| End of Day Share Price | 2026/06/10 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Consumer Portfolio Services, Inc. is covered by 4 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| John Rowan | Brean Capital Historical (Janney Montgomery) |
| David Scharf | Citizens JMP Securities, LLC |
| John Hecht | Jefferies LLC |