Consumer Portfolio Services, Inc.

NasdaqGM:CPSS Stock Report

Market Cap: US$226.5m

Consumer Portfolio Services Management

Management criteria checks 3/4

Consumer Portfolio Services' CEO is Charles Bradley, appointed in Jan 1992, has a tenure of 32.92 years. total yearly compensation is $4.00M, comprised of 24.9% salary and 75.1% bonuses, including company stock and options. directly owns 24.96% of the company’s shares, worth $56.53M. The average tenure of the management team and the board of directors is 5.8 years and 17.5 years respectively.

Key information

Charles Bradley

Chief executive officer

US$4.0m

Total compensation

CEO salary percentage24.9%
CEO tenure32.9yrs
CEO ownership25.0%
Management average tenure5.8yrs
Board average tenure17.5yrs

Recent management updates

Recent updates

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Jul 17
Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift Shares

Apr 11
Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift Shares

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Jan 04
Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting Case

Jul 13
With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting Case

Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?

Mar 30
Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?

Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors

Dec 20
Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors

Consumer Portfolio Services GAAP EPS of $0.91, revenue of $82.01M

Jul 25

Consumer Portfolio Services doubles credit facility to $200M

Jun 30

Consumer Portfolio Services EPS misses by $0.02, misses on revenue

May 10

CEO Compensation Analysis

How has Charles Bradley's remuneration changed compared to Consumer Portfolio Services's earnings?
DateTotal CompensationSalaryCompany Earnings
Sep 30 2024n/an/a

US$21m

Jun 30 2024n/an/a

US$27m

Mar 31 2024n/an/a

US$36m

Dec 31 2023US$4mUS$995k

US$45m

Sep 30 2023n/an/a

US$52m

Jun 30 2023n/an/a

US$67m

Mar 31 2023n/an/a

US$79m

Dec 31 2022US$11mUS$995k

US$86m

Sep 30 2022n/an/a

US$91m

Jun 30 2022n/an/a

US$79m

Mar 31 2022n/an/a

US$63m

Dec 31 2021US$5mUS$995k

US$48m

Sep 30 2021n/an/a

US$33m

Jun 30 2021n/an/a

US$23m

Mar 31 2021n/an/a

US$16m

Dec 31 2020US$4mUS$995k

US$22m

Sep 30 2020n/an/a

US$18m

Jun 30 2020n/an/a

US$16m

Mar 31 2020n/an/a

US$14m

Dec 31 2019US$4mUS$995k

US$5m

Sep 30 2019n/an/a

US$11m

Jun 30 2019n/an/a

US$12m

Mar 31 2019n/an/a

US$13m

Dec 31 2018US$4mUS$995k

US$15m

Sep 30 2018n/an/a

-US$441k

Jun 30 2018n/an/a

US$1m

Mar 31 2018n/an/a

US$2m

Dec 31 2017US$4mUS$995k

US$4m

Compensation vs Market: Charles's total compensation ($USD4.00M) is above average for companies of similar size in the US market ($USD1.41M).

Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.


CEO

Charles Bradley (64 yo)

32.9yrs

Tenure

US$4,000,342

Compensation

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

NamePositionTenureCompensationOwnership
Charles Bradley
CEO & Chairman32.9yrsUS$4.00m24.96%
$ 56.5m
Michael Lavin
President5.8yrsUS$1.03m1.88%
$ 4.3m
Denesh Bharwani
CFO and Executive VP of Accounting & Finance7.8yrsUS$757.00k1.37%
$ 3.1m
Teri Robinson
Executive Vice President of Sales & Originations3.9yrsUS$799.75k2.13%
$ 4.8m
Laurie Straten
Executive Vice President of Servicing11.3yrsUS$753.81k0.72%
$ 1.6m
Bryan Rayhill
Secretary & Independent Directorno dataUS$106.20k0.95%
$ 2.2m
Lisette Reynoso
Senior VP & General Counsel1.5yrsno data0%
$ 0
April Crisp
Senior Vice President of Compliance and Regulatory Affairsno datano data0.080%
$ 182.1k
Catrina Ralston
Senior Vice President of Human Resources2yrsno data0.20%
$ 446.0k
Christopher Terry
Executive Vice President of Systems21.9yrsUS$536.72k0.95%
$ 2.2m
John Harton
Senior Vice President of Business Development5.8yrsno data1.19%
$ 2.7m
Steve Schween
Senior Vice President of Information Systems2yrsno datano data

5.8yrs

Average Tenure

56yo

Average Age

Experienced Management: CPSS's management team is seasoned and experienced (5.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Charles Bradley
CEO & Chairman33.8yrsUS$4.00m24.96%
$ 56.5m
Bryan Rayhill
Secretary & Independent Director18.3yrsUS$106.20k0.95%
$ 2.2m
William Roberts
Independent Director33.8yrsUS$82.40k3.27%
$ 7.4m
Daniel Wood
Independent Director23.4yrsUS$106.20k0.87%
$ 2.0m
Stephen Deckoff
Independent Director2.3yrsUS$74.00kno data
James Walker
Independent Director2.3yrsUS$75.00kno data
William Grounds
Independent Director3yrsUS$91.80k0.021%
$ 48.7k
Gregory Washer
Independent Director17.5yrsUS$97.80k1.74%
$ 3.9m
Louis Grasso
Independent Director5.2yrsUS$83.40k0.048%
$ 109.0k

17.5yrs

Average Tenure

64.5yo

Average Age

Experienced Board: CPSS's board of directors are seasoned and experienced ( 17.5 years average tenure).


Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 23:25
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

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 .

Analyst Sources

Consumer Portfolio Services, Inc. is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kirk LudtkeCRT Capital Group
John RowanJanney Montgomery Scott LLC
John HechtJefferies LLC