Stock Fundamentals

Company Information

Company Name
Consumer Portfolio Services Inc
Sector
Financial Services
Industry
Credit Services
Exchange
NASDAQ
ISIN: US2105021008
CIK: 0000889609
CUSIP: 210502100
Currency: USD
Full Time Employees: 918
Phone: 949 753 6800
Fiscal Year End: December
IPO Date: Oct 22, 1992
Description:

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. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.

Address:

3800 Howard Hughes Parkway, Las Vegas, NV, United States, 89169

Directors & Officers

Name Title Year Born
Mr. Charles E. Bradley Jr. CEO & Chairman 1960
Mr. Michael T. Lavin President, COO & Chief Legal Officer 1973
Mr. Denesh Bharwani CFO & Executive VP 1968
Ms. Teri L. Robinson Executive Vice President of Sales & Originations 1963
Mr. Christopher Terry Executive Vice President of Systems, Risk & IT 1968
Mr. Brian J. Rayhill Secretary & Independent Director 1963
Ms. Lisette Reynoso Senior VP & General Counsel 1987
Mr. Robert E. Riedl Senior EVP & Chief Risk Officer 1963
Mr. Charles E. Gonel Senior Vice President of Servicing 1980
Ms. Susan Ryan Senior Vice President of Servicing 1972

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Black Diamond Capital Management I, LLLP 5.13M Dec 31, 2025 23.23% $31.84 0.00%
Dimensional Fund Advisors, Inc. 1.57M Dec 31, 2025 7.11% $0.00 -1.04%
BlackRock Inc 644.67K Sep 30, 2025 2.92% $0.00 -1.19%
Vanguard Group Inc 528.75K Dec 31, 2025 2.40% $0.00 -0.07%
Bridgeway Capital Management, LLC 394.11K Dec 31, 2025 1.79% $0.08 0.00%
Renaissance Technologies Corp 371.56K Dec 31, 2025 1.68% $0.01 -3.53%
Geode Capital Management, LLC 217.96K Sep 30, 2025 0.99% $0.00 2.54%
State Street Corp 196.75K Sep 30, 2025 0.89% $0.00 0.84%
Allianz Asset Management AG 160.04K Sep 30, 2025 0.73% $0.00 0.00%
Empowered Funds, LLC 151.76K Sep 30, 2025 0.69% $0.01 0.44%
HighPoint Advisor Group LLC 140.74K Dec 31, 2025 0.64% $0.06 0.00%
Verity & Verity, LLC 118.51K Dec 31, 2025 0.54% $0.09 0.00%
Bank of New York Mellon Corp 96.60K Sep 30, 2025 0.44% $0.00 1.45%
Northern Trust Corp 83.66K Sep 30, 2025 0.38% $0.00 -3.41%
Royal Bank of Canada 81.02K Sep 30, 2025 0.37% $0.00 -72.80%
American Century Companies Inc 74.16K Dec 31, 2025 0.34% $0.00 0.00%
Empower Advisory Group LLC 62.56K Dec 31, 2025 0.28% $0.00 -27.45%
Janney Montgomery Scott LLC 52.76K Sep 30, 2025 0.24% $0.00 0.75%
The Goldman Sachs Group Inc 50.05K Sep 30, 2025 0.23% $0.00 290.92%
Arrowstreet Capital Limited Partnership 33.91K Dec 31, 2025 0.15% $0.00 0.00%

Shares Statistics

Shares Outstanding: 22.07M
Shares Float: 9.11M
% Insiders: 3,334.10%
% Institutions: 4,620.90%
Short % Float: 3.19%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Black Diamond Capital Management I, LLLP 5.13M 23.23% ▲ 0.00% Dec 31, 2025
2 Dimensional Fund Advisors, Inc. 1.57M 7.11% ▼ 1.04% Dec 31, 2025
3 BlackRock Inc 644.67K 2.92% ▼ 1.19% Sep 30, 2025
4 Vanguard Group Inc 528.75K 2.40% ▼ 0.07% Dec 31, 2025
5 Bridgeway Capital Management, LLC 394.11K 1.79% ▲ 0.00% Dec 31, 2025
6 Renaissance Technologies Corp 371.56K 1.68% ▼ 3.53% Dec 31, 2025
7 Geode Capital Management, LLC 217.96K 0.99% ▲ 2.54% Sep 30, 2025
8 State Street Corp 196.75K 0.89% ▲ 0.84% Sep 30, 2025
9 Allianz Asset Management AG 160.04K 0.73% ▲ 0.00% Sep 30, 2025
10 Empowered Funds, LLC 151.76K 0.69% ▲ 0.44% Sep 30, 2025

Valuation Metrics

Enterprise Value: $3.64B
Trailing P/E: 9.41
Forward P/E: 5.21

Financial Highlights

Market Cap: $167.35M
P/E Ratio: $9.41
PEG Ratio: $0.33
Book Value: $14.07
Earnings/Share: $0.80
Profit Margin: 9.72%
Operating Margin: 14.27%
ROA (TTM): 0.53%
ROE (TTM): 6.42%
Revenue (TTM): $198.88M
Revenue/Share (TTM): $9.09
Earnings Growth (YOY): 0.00%
Revenue Growth (YOY): 4.90%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 N/A N/A 0.00x 1.12x 0.00x
2024-12-31 0.03x 9.34x 0.92x 0.14x 96.63x
2023-12-31 0.03x 8.52x 0.91x 0.42x 37.77x
2022-12-31 0.22x 1.44x 0.92x 1.33x 2.79x
2021-12-31 0.30x 11.06x 0.92x 0.87x 27.91x
2020-12-31 12.92x 1.35x 0.94x 0.20x 8.22x
2019-12-31 0.13x 1.42x 0.92x 0.08x 28.04x
2018-12-31 0.27x 1.48x 0.92x 0.18x 14.77x
2017-12-31 0.42x 1.31x 0.92x 0.35x 7.31x
2016-12-31 0.39x 1.19x 0.92x 0.62x 4.39x
2015-12-31 0.09x 13.25x 0.92x 1.06x 34.42x
2014-12-31 0.53x 13.68x 0.93x 1.04x 33.05x
2013-12-31 1.07x 12.75x 0.93x 0.64x 32.07x
2012-12-31 0.24x 13.66x 0.94x 0.12x 86.07x
2011-12-31 0.65x -45.76x 1.02x -0.17x -47.15x
2010-12-31 0.49x 296.55x 1.00x -0.20x -46.18x
2009-12-31 4.26x 30.63x 0.97x -0.44x -22.38x
2008-12-31 1.17x 17.23x 0.95x -0.28x -36.07x
2007-12-31 0.19x 18.65x 0.95x 0.17x 87.02x
2006-12-31 0.43x 14.22x 0.94x 0.14x 113.28x
2005-12-31 0.81x 14.43x 0.94x 0.07x 255.16x
2004-12-31 0.69x 9.66x 0.91x -0.49x -44.73x
2003-12-31 1.10x 4.68x 0.83x -0.13x 586.31x
2002-12-31 1.35x 2.13x 0.71x 0.00x 30.61x
2001-12-31 0.86x 1.34x 0.59x 0.02x 43.25x
2000-12-31 3.00x 1.65x 0.65x N/A -4.90x
1999-12-31 0.93x 0.00x 0.62x N/A 0.00x
1998-12-31 0.95x 0.00x 0.72x N/A 0.00x
1997-12-31 0.00x 0.00x 0.63x N/A 0.00x
1996-12-31 0.00x 0.00x 0.44x N/A 0.00x
1995-12-31 N/A N/A N/A 1.00x 0.00x
1994-12-31 N/A N/A N/A -1.00x 0.00x
1993-12-31 N/A N/A N/A -1.00x 0.00x
1992-12-31 N/A N/A N/A -1.00x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Dec 04, 2025 William B Roberts N/A Sale 100.00K $8.69 $869.00K
Sep 16, 2025 Noel Jackson N/A Sale 9.37K $8.49 $79.54K
Jun 13, 2025 Greg Washer N/A Sale 3.00K $10.10 $30.30K
Jun 12, 2025 Greg Washer N/A Sale 6.65K $10.06 $66.87K
Jun 11, 2025 Greg Washer N/A Sale 9.65K $9.88 $95.32K
Jun 06, 2025 April Crisp N/A Sale 100.00 $9.75 $975.00
May 16, 2025 Greg Washer N/A Sale 140.00 $8.96 $1.25K
May 15, 2025 Greg Washer N/A Sale 6.25K $9.16 $57.29K
Mar 12, 2025 William B Roberts N/A Sale 4.18K $9.25 $38.63K

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