Stocktoria
CONSUMER PORTFOLIO SERVICES, INC. CPSS
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $434.5M at a 4.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CPSS | CONSUMER PORTFOLIO SERVICES, INC. | 4/9 | — | 11.2 | +10.4% |
| RHLD | Resolute Holdings Management, Inc. | 6/9 | 7.47 | — | +9.9% |
| MSTR | Strategy Inc | 3/9 | 4.34 | — | +3% |
| FUFU | Bitfufu Inc. | 1/9 | 4.88 | — | +3.1% |
| IREN | IREN Ltd | 5/9 | 2.18 | 193.8 | +167.7% |
| SNFCA | SECURITY NATIONAL FINANCIAL CORP | 4/9 | — | 8 | +3% |
| CAN | Canaan Inc. | 4/9 | 1.24 | — | +96.7% |
All Finance, Insurance & Real Estate companies →
About CONSUMER PORTFOLIO SERVICES, INC.
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. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
FAQ
Is CPSS financially healthy?
CONSUMER PORTFOLIO SERVICES, INC.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does CPSS pay a dividend?
No, CONSUMER PORTFOLIO SERVICES, INC. does not currently pay a dividend.
How profitable is CPSS?
In FY2025, CONSUMER PORTFOLIO SERVICES, INC. had a net margin of 4.4% and a return on equity of 6.2%.
Is CPSS overvalued or undervalued?
CONSUMER PORTFOLIO SERVICES, INC. trades at about 11.9× trailing earnings — above its 10-year norm (10-year range 3.1×–32.0×, median 6.5×). Stocktoria reports the data, not buy/sell advice.
Is CPSS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CONSUMER PORTFOLIO SERVICES, INC.: a Piotroski F-score of 4/9, a P/E of about 11.2×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.