CPSS

Consumer Portfolio Services, Inc.

Financial Services · $200M market cap

Share price

$9.09

close of Oct 3, 2026

Fair value

$46.31

Sticker Price

Payback Price

$18.53

buy price

On Sale

CPSS is On Sale: at $9.09 it trades 51% below its buy price (Payback Price) of $18.53 and 80% below its fair value of $46.31. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth0.7% a year✗

Equity per share growth7.4% a year✗

Sales growth2.3% a year✗

Free cash flow growth5.9% a year✗

Return on invested capital17.2%✓

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Insider activity

Since Jun 16, 2026: no open-market purchases, 6 sales worth $1.4M and 47 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Jackson Noel

Sr. Vice President · 2026-09-01

Sold

$70K

BRADLEY CHARLES E JR

CEO · 2026-08-26

Sold

$1.2M

Ralston Catrina Marie

Sr. Vice President · 2026-08-12

Sold

$34K

Ralston Catrina Marie

Sr. Vice President · 2026-08-10

Sold

$9K

Ralston Catrina Marie

Sr. Vice President · 2026-08-07

Sold

$4K

Show all 6 sales

Jackson Noel

Sr. Vice President · 2026-06-16

Sold

$67K

Other filings

Jackson Noel

Sr. Vice President · 2026-09-01

Option exercise

$19K

Carnahan Scott W.

director · 2026-08-11

Award

$276K

Baumeister Michele L

Sr. Vice President · 2026-08-11

Award

$552K

Bharwani Denesh

Exec. Vice President · 2026-08-11

Award

$828K

BRADLEY CHARLES E JR

CEO · 2026-08-11

Award

$2.8M

Show all 47 other filings

Gonel Charles E.

Sr. Vice President · 2026-08-11

Award

$552K

Jackson Noel

Sr. Vice President · 2026-08-11

Award

$552K

Lavin Michael T.

President · 2026-08-11

Award

$1.1M

Ralston Catrina Marie

Sr. Vice President · 2026-08-11

Award

$552K

Reynoso Lisette

Sr. Vice President · 2026-08-11

Award

$552K

RIEDL ROBERT E

Sr Executive VP · 2026-08-11

Award

$1.1M

Robinson Teri

Exec. Vice President · 2026-08-11

Award

$828K

Ryan Susan

Sr. Vice President · 2026-08-11

Award

$552K

Schween Steven

Sr. Vice President · 2026-08-11

Award

$552K

TERRY CHRIS

Exec. Vice President · 2026-08-11

Award

$828K

BRADLEY CHARLES E JR

CEO · 2026-08-07

Option exercise

$1.1M

Rayhill Brian

director · 2026-08-06

Tax withholding

$106K

Rayhill Brian

director · 2026-08-06

Option exercise

$106K

Lavin Michael T.

President · 2026-08-06

Option exercise

$318K

Lavin Michael T.

President · 2026-08-06

Option exercise

$101K

Lavin Michael T.

President · 2026-08-06

Tax withholding

$350K

Lavin Michael T.

President · 2026-08-06

Option exercise

$113K

Lavin Michael T.

President · 2026-08-06

Option exercise

$217K

Lavin Michael T.

President · 2026-08-06

G-Gift

99,304 shares

TERRY CHRIS

Exec. Vice President · 2026-08-05

Tax withholding

$255K

TERRY CHRIS

Exec. Vice President · 2026-08-05

Option exercise

$212K

Bharwani Denesh

Exec. Vice President · 2026-08-05

Option exercise

$212K

BRADLEY CHARLES E JR

CEO · 2026-08-05

Option exercise

$1.1M

Baumeister Michele L

Sr. Vice President · 2026-08-04

Tax withholding

$132K

Baumeister Michele L

Sr. Vice President · 2026-08-04

Option exercise

$106K

Ralston Catrina Marie

Sr. Vice President · 2026-08-03

Tax withholding

$120K

Ralston Catrina Marie

Sr. Vice President · 2026-08-03

Option exercise

$106K

Robinson Teri

Exec. Vice President · 2026-08-03

Option exercise

$212K

Robinson Teri

Exec. Vice President · 2026-08-03

Option exercise

$101K

Robinson Teri

Exec. Vice President · 2026-08-03

Tax withholding

$158K

Robinson Teri

Exec. Vice President · 2026-08-03

Option exercise

$111K

Robinson Teri

Exec. Vice President · 2026-08-03

G-Gift

43,588 shares

Reynoso Lisette

Sr. Vice President · 2026-08-03

Tax withholding

$18K

Reynoso Lisette

Sr. Vice President · 2026-08-03

Option exercise

$18K

WOOD DANIEL S

director · 2026-07-24

Tax withholding

$106K

WOOD DANIEL S

director · 2026-07-24

Option exercise

$106K

Robinson Teri

Exec. Vice President · 2026-07-03

G-Gift

660 shares

Ryan Susan

Sr. Vice President · 2026-06-30

Tax withholding

$112K

Ryan Susan

Sr. Vice President · 2026-06-30

Option exercise

$106K

Gonel Charles E.

Sr. Vice President · 2026-06-26

Tax withholding

$111K

Gonel Charles E.

Sr. Vice President · 2026-06-26

Option exercise

$106K

Jackson Noel

Sr. Vice President · 2026-06-16

Option exercise

$25K

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…

Financial - Credit Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

Verdict

How we valued it

Business quality

Insider activity

Sales

Other filings

About Consumer Portfolio Services, Inc.