What is Consumer Portfolio Services's market cap?

Consumer Portfolio Services (CPSS) has a market capitalization of $201.1M and trades on NASDAQ.

What is Consumer Portfolio Services's revenue and profitability?

Consumer Portfolio Services generated $439.9M in trailing twelve-month revenue with net income of $20.2M, representing a net margin of 4.6%, with free cash flow of $297.9M. These figures are based on the Q1 2026 filing.

Who are Consumer Portfolio Services's competitors?

Consumer Portfolio Services's key competitors include Credit Acceptance Corporation, Ally Financial, Atlanticus Holdings Corporation, and others. These companies compete in similar markets and product categories.

Who does Consumer Portfolio Services partner with?

Consumer Portfolio Services's notable partners include DealerTrack, Route One, Ares Agent Services, L.P..

What subsidiaries does Consumer Portfolio Services have?

Consumer Portfolio Services's subsidiaries include CPS Auto Securitization Trust.

Where is Consumer Portfolio Services headquartered?

Consumer Portfolio Services is headquartered in United States of America and employs approximately 902 people. It has been publicly traded since 1992.

Consumer Portfolio Services

CPSS

Consumer Portfolio Services is a specialty finance company that provides indirect financing to sub-prime customers with limited credit histories or past credit problems.

Market cap

$201.15M+12.4%

Revenue$439.9M+7.7%

Net income$20.2M+4.5%

Free cash flow$297.9M+17.2%

EPS (diluted)$0.85+7.6%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

May 5, 2026

Revenue$112.3M EPS$0.24

Read the full report

Next report

Aug 10, 2026 (In 1 week)

Financials

Q1 2026

Income statement

See full

Revenue$112.3M+5.1%

Net income$5.5M+18.0%

EPS (diluted)$0.24+26.3%

Balance sheet

See full

Cash & equivalents$185.4M+1.1%

Total debt$698.6M+24.3%

Total equity$314.4M+5.3%

Total assets$4.1B+10.3%

Cash flow

See full

Operating cash flow$83.8M+13.4%

CapEx$796.0K+69.0%

Free cash flow$83.0M+13.1%

Valuation & ratios

Valuation

See full

Market cap$201.15M+12.4%

Enterprise value$714.28M+15.7%

P/E10×0.0×

P/S0.5×0.0×

Profitability

See full

Net margin4.6%-0.1pp

FCF margin67.7%+5.5pp

Returns & leverage

See full

Return on equity6.6%-0.1pp

Debt / equity2.2×+0.3×

Competitors

By market cap

Ally Financial$13.3B+11.2%

Credit Acceptance$5.8B-3.3%

Encore Capital Group$2.0B+126%

Atlanticus Holdings Corporation$1.6B—

PRA Group$683.1M+10.1%

Onity Group$336.0M+9.4%

Consumer Portfolio Services$201.1M+4.0%

America's Car Mart$27.9M-93.3%

By revenue growth

Atlanticus Holdings Corporation+47.5%

Encore Capital Group+34.1%

Onity Group+12.6%

PRA Group+10.5%

Consumer Portfolio Services+7.7%

Credit Acceptance+4.5%

By net margin

Atlanticus Holdings Corporation21.45%-5.9pp

Credit Acceptance19.49%+6.5pp

Ally Financial16.47%—

Encore Capital Group16.0%+24.4pp

Onity Group15.75%+7.2pp

Consumer Portfolio Services4.58%-0.1pp

PRA Group-29.54%-33.0pp

Profile

Consumer Portfolio Services is a specialty finance company that provides indirect financing to sub-prime customers with limited credit histories or past credit problems. The company primarily purchases and services retail automobile contracts originated by franchised and independent dealers for the sale of new and used vehicles. Its core value proposition is serving as an alternative financing source for dealers, facilitating sales to consumers who are typically underserved by traditional commercial banks and credit unions.

Competitive position

A significant participant in the fragmented sub-prime automobile finance market, leveraging proprietary automated decisioning and a nationwide dealer network.

GeographiesUnited States

Customer segmentsSub-prime consumers, Automobile dealerships

Business modelAsset-backed securitization, Loan servicing, Indirect lending

SuppliersWarehouse credit facility providers, Institutional investors for asset-backed securities, Credit reporting bureaus, Application aggregators

CustomersFranchised automobile dealers, Independent automobile dealers, Sub-prime retail consumers

CountryUnited States of America

Listed1992

Employees902.0

CEOCharles E. Bradley

SectorFinancial Services

IndustryFinancial - Credit Services

Websiteconsumerportfolio.com

FilingsSEC EDGAR

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Questions, answered.

What is Consumer Portfolio Services's market cap?: Consumer Portfolio Services (CPSS) has a market capitalization of $201.1M and trades on NASDAQ.
What is Consumer Portfolio Services's revenue and profitability?: Consumer Portfolio Services generated $439.9M in trailing twelve-month revenue with net income of $20.2M, representing a net margin of 4.6%, with free cash flow of $297.9M. These figures are based on the Q1 2026 filing.
Who are Consumer Portfolio Services's competitors?: Consumer Portfolio Services's key competitors include Credit Acceptance Corporation, Ally Financial, Atlanticus Holdings Corporation, and others. These companies compete in similar markets and product categories.
Who does Consumer Portfolio Services partner with?: Consumer Portfolio Services's notable partners include DealerTrack, Route One, Ares Agent Services, L.P..
What subsidiaries does Consumer Portfolio Services have?: Consumer Portfolio Services's subsidiaries include CPS Auto Securitization Trust.
Where is Consumer Portfolio Services headquartered?: Consumer Portfolio Services is headquartered in United States of America and employs approximately 902 people. It has been publicly traded since 1992.