Consumer Portfolio Services (CPSS)


Market Price (11/4/2026): $9.75 | Market Cap: $213.0 MilSector: Financials | Industry: Consumer Finance

Consumer Portfolio Services (CPSS)


Market Price (11/4/2026): $9.75
Market Cap: $213.0 Mil
Sector: Financials
Industry: Consumer Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 164%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 163%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 162%

Low stock price volatility
Vol 12M is 40%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.

Trading close to highs
Dist 52W High is -2.8%

Weak multi-year price returns
2Y Excs Rtn is -30%, 3Y Excs Rtn is -71%

Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 2016%

Key risks
CPSS key risks include [1] elevated delinquency rates in its subprime portfolio and [2] pressure on profit margins as rising interest rates increase its cost of funds.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 164%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 163%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 162%
2 Low stock price volatility
Vol 12M is 40%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.
4 Trading close to highs
Dist 52W High is -2.8%
5 Weak multi-year price returns
2Y Excs Rtn is -30%, 3Y Excs Rtn is -71%
6 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 2016%
7 Key risks
CPSS key risks include [1] elevated delinquency rates in its subprime portfolio and [2] pressure on profit margins as rising interest rates increase its cost of funds.

CPSS in ETFs

Weight = CPSS's share of each fund

VTI0.00%
IWM0.00%
IWN0.01%
DFAS0.01%
VTWO0.00%
DFAC0.00%
AVUV0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

Consumer Portfolio Services (CPSS) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Consumer Portfolio Services reported robust financial results for fiscal Q3 2026, which ended September 30, 2026, significantly surpassing prior-year performance. Net income increased by 43.3% to $7.0 million, and diluted earnings per share (EPS) surged 50% to $0.30 compared to fiscal Q3 2025. Total revenue for the quarter also grew by 21.7% to $131.9 million.

2. The company achieved record-breaking loan originations and substantial growth in its loan portfolio during fiscal Q3 2026. Contract purchases escalated by 108.5% year-over-year to $815.3 million, marking the highest quarterly volume in the company's history. This led to the owned loan portfolio expanding to $4.711 billion by September 30, 2026, a 25.3% increase from the prior year.

Show more
Updated on 11/1/2026

Consumer Portfolio Services (CPSS) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Consumer Portfolio Services reported robust financial results for fiscal Q3 2026, which ended September 30, 2026, significantly surpassing prior-year performance. Net income increased by 43.3% to $7.0 million, and diluted earnings per share (EPS) surged 50% to $0.30 compared to fiscal Q3 2025. Total revenue for the quarter also grew by 21.7% to $131.9 million.

2. The company achieved record-breaking loan originations and substantial growth in its loan portfolio during fiscal Q3 2026. Contract purchases escalated by 108.5% year-over-year to $815.3 million, marking the highest quarterly volume in the company's history. This led to the owned loan portfolio expanding to $4.711 billion by September 30, 2026, a 25.3% increase from the prior year.

3. CPSS demonstrated improved credit quality metrics, indicating effective risk management alongside its growth. Total delinquencies, including repossession inventory, declined to 12.29% in fiscal Q3 2026 from 13.96% in the same period last year. Annualized net charge-offs also decreased to 7.26% from 8.01%, while net recovery rates at auctions improved to 32.0% from 28.7%.

4. The company strengthened its funding and liquidity position, supporting accelerated loan origination volumes. CPSS successfully upsized its Citibank warehouse line to $508 million and its Capital One line to $518 million, providing over $1 billion in total warehouse capacity. Additionally, the company completed its largest asset-backed securitization to date in October 2026, totaling $767.85 million.

Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

Stock Movement Drivers

Fundamental Drivers

The 7.4% change in CPSS stock from 7/31/2026 to 11/2/2026 was primarily driven by a 8.9% change in the company's Total Revenues ($ Mil).
(LTM values as of)731202611022026Change
Stock Price ($)9.3210.017.4%
Change Contribution By: 
Total Revenues ($ Mil)2032218.9%
Net Income Margin (%)9.9%10.7%7.9%
P/E Multiple10.19.2-8.3%
Shares Outstanding (Mil)2222-0.3%
Cumulative Contribution7.4%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/2/2026
ReturnCorrelation
CPSS7.4% 
Market (SPY)0.7%-4.4%
Sector (XLF)1.1%-8.1%

Fundamental Drivers

The 10.2% change in CPSS stock from 4/30/2026 to 11/2/2026 was primarily driven by a 12.4% change in the company's Net Income Margin (%).
(LTM values as of)430202611022026Change
Stock Price ($)9.0810.0110.2%
Change Contribution By: 
Total Revenues ($ Mil)2022219.1%
Net Income Margin (%)9.5%10.7%12.4%
P/E Multiple10.39.2-10.8%
Shares Outstanding (Mil)22220.7%
Cumulative Contribution10.2%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/2/2026
ReturnCorrelation
CPSS10.2% 
Market (SPY)4.9%-9.2%
Sector (XLF)10.8%-5.5%

Fundamental Drivers

The 19.2% change in CPSS stock from 10/31/2025 to 11/2/2026 was primarily driven by a 13.9% change in the company's Net Income Margin (%).
(LTM values as of)1031202511022026Change
Stock Price ($)8.4010.0119.2%
Change Contribution By: 
Total Revenues ($ Mil)2062217.1%
Net Income Margin (%)9.4%10.7%13.9%
P/E Multiple9.59.2-2.5%
Shares Outstanding (Mil)22220.2%
Cumulative Contribution19.2%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/2/2026
ReturnCorrelation
CPSS19.2% 
Market (SPY)11.2%6.0%
Sector (XLF)11.3%11.5%

Fundamental Drivers

The 8.2% change in CPSS stock from 10/31/2023 to 11/2/2026 was primarily driven by a 221.8% change in the company's P/E Multiple.
(LTM values as of)1031202311022026Change
Stock Price ($)9.2510.018.2%
Change Contribution By: 
Total Revenues ($ Mil)2202210.2%
Net Income Margin (%)30.5%10.7%-64.9%
P/E Multiple2.99.2221.8%
Shares Outstanding (Mil)2122-4.5%
Cumulative Contribution8.2%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/2/2026
ReturnCorrelation
CPSS8.2% 
Market (SPY)86.0%16.5%
Sector (XLF)85.7%18.9%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
CPSS Return179%-25%6%16%-14%7%136%
Peers Return29%-41%115%26%11%-10%103%
S&P 500 Return27%-19%24%23%16%10%101%

Monthly Win Rates [3]
CPSS Win Rate67%42%58%50%50%27% 
Peers Win Rate65%35%54%52%58%49% 
S&P 500 Win Rate75%42%67%75%67%36% 

Max Drawdowns [4]
CPSS Max Drawdown-19%-69%-41%-29%-41%-20% 
Peers Max Drawdown-20%-52%-45%-27%-40%-43% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: PRAA, SWRD, AXP, COF, AFRM.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/2/2026 (YTD)

How Low Can It Go

EventCPSSS&P 500
2024 Yen Carry Trade Unwind
  % Loss-15.4%-7.8%
  % Gain to Breakeven18.2%8.5%
  Time to Breakeven29 days18 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-34.2%-9.5%
  % Gain to Breakeven52.1%10.5%
  Time to Breakeven520 days24 days
2023 SVB Regional Banking Crisis
  % Loss-21.0%-6.7%
  % Gain to Breakeven26.7%7.1%
  Time to Breakeven31 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-59.7%-24.5%
  % Gain to Breakeven148.1%32.4%
  Time to Breakeven118 days427 days
2020 COVID-19 Crash
  % Loss-72.9%-33.7%
  % Gain to Breakeven268.5%50.9%
  Time to Breakeven203 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-16.4%-19.2%
  % Gain to Breakeven19.6%23.8%
  Time to Breakeven14 days105 days

Compare to PRAA, SWRD, AXP, COF, AFRM

In The Past

Consumer Portfolio Services's stock fell -15.4% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 18.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventCPSSS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-34.2%-9.5%
  % Gain to Breakeven52.1%10.5%
  Time to Breakeven520 days24 days
2023 SVB Regional Banking Crisis
  % Loss-21.0%-6.7%
  % Gain to Breakeven26.7%7.1%
  Time to Breakeven31 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-59.7%-24.5%
  % Gain to Breakeven148.1%32.4%
  Time to Breakeven118 days427 days
2020 COVID-19 Crash
  % Loss-72.9%-33.7%
  % Gain to Breakeven268.5%50.9%
  Time to Breakeven203 days140 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-34.3%-12.2%
  % Gain to Breakeven52.1%13.9%
  Time to Breakeven263 days62 days
2014-2016 Oil Price Collapse
  % Loss-46.4%-6.8%
  % Gain to Breakeven86.7%7.3%
  Time to Breakeven2114 days15 days
2013 Taper Tantrum
  % Loss-36.0%-0.2%
  % Gain to Breakeven56.4%0.2%
  Time to Breakeven127 days1 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-22.4%-17.9%
  % Gain to Breakeven28.9%21.8%
  Time to Breakeven186 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-58.2%-15.4%
  % Gain to Breakeven139.3%18.2%
  Time to Breakeven672 days125 days
2008-2009 Global Financial Crisis
  % Loss-93.1%-53.4%
  % Gain to Breakeven1352.0%114.4%
  Time to Breakeven1334 days1085 days
Summer 2007 Credit Crunch
  % Loss-22.8%-8.6%
  % Gain to Breakeven29.6%9.5%
  Time to Breakeven19 days47 days

Compare to PRAA, SWRD, AXP, COF, AFRM

In The Past

Consumer Portfolio Services's stock fell -15.4% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 18.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Consumer Portfolio Services (CPSS)

Consumer Portfolio Services (CPSS) operates as a specialty finance company in the United States, focusing on the sub-prime automotive lending market. The company's primary business involves purchasing and servicing retail automobile contracts originated by franchised and select independent car dealers. This enables CPSS to provide indirect financing to consumers with limited credit histories or past credit problems, helping them acquire new and used vehicles.

The company serves as an alternative financing source, facilitating vehicle sales for dealers to customers who cannot obtain loans from traditional commercial banks, credit unions, or captive finance companies. In addition to acquiring existing contracts, CPSS also offers financing directly to sub-prime consumers. Its main products and services are indirect and direct auto loans specifically designed for individuals with sub-prime credit, along with comprehensive servicing of these loans.

Ultimately, Consumer Portfolio Services' primary customers are automobile dealers seeking to serve a broader market, and critically, sub-prime consumers who require financing to purchase vehicles but are unable to secure it through conventional lending channels. The company fills a niche by making vehicle ownership accessible to those with challenging credit profiles.

AI Analysis | Feedback

  • It's like **Ally Financial** for sub-prime auto loans.
  • Think of it as the **Capital One Auto Finance** for car buyers with challenging credit histories.
  • It's an **Upstart** or **LendingClub** but focused strictly on car financing for non-traditional borrowers.

AI Analysis | Feedback

  • Indirect Automobile Financing: CPSS provides indirect financing by purchasing retail automobile contracts from franchised and independent dealers, enabling customers with limited credit histories to acquire vehicles.
  • Direct Automobile Financing: CPSS offers financing directly to sub-prime consumers to facilitate their purchase of new or used automobiles, light trucks, or passenger vans.
  • Installment Contract Acquisition: CPSS acquires installment purchase contracts, typically through merger and acquisition transactions, to expand its portfolio.
  • Vehicle Loan Acquisition: CPSS purchases vehicle purchase money loans from non-affiliated lenders.
  • Automobile Contract Servicing: CPSS manages and services all the automobile contracts it acquires through its branch network across several states.

AI Analysis | Feedback

Consumer Portfolio Services (CPSS) primarily serves individual customers. The company acts as a specialty finance provider, offering indirect financing through automobile dealers and direct financing to consumers who typically cannot obtain loans from traditional lenders.

The categories of individual customers CPSS serves are:

  • Individuals with limited credit histories: These are consumers who may not have established a strong credit record, making it challenging for them to secure financing from commercial banks, credit unions, or captive finance companies.
  • Individuals with past credit problems: This category includes consumers who have encountered prior credit issues, such as bankruptcies or late payments, which hinder their ability to qualify for conventional auto loans.
  • Sub-prime consumers seeking direct financing: Beyond purchasing contracts indirectly through dealers, CPSS also directly offers financing to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van.

AI Analysis | Feedback

null

AI Analysis | Feedback

Charles E. Bradley, Jr. Chairman of the Board and Chief Executive Officer

Mr. Bradley has served as Chief Executive Officer of Consumer Portfolio Services since January 1992, a director since its formation in March 1991, and was elected Chairman of the Board of Directors in July 2001. He was also President of the company from March 1991 to December 2022. Prior to his tenure at Consumer Portfolio Services, he held the position of Chief Operating Officer at Barnard and Company, a private investment firm, from April 1989 to November 1990. From September 1987 to March 1989, he worked as an associate of The Harding Group, a private investment banking firm.

Danny Bharwani Executive Vice President, Chief Financial Officer

Mr. Bharwani has served as Chief Financial Officer since September 2022 and Executive Vice President – Finance since December 2022. He previously held the roles of Senior Vice President – Accounting from April 2016 and Vice President – Accounting from June 2002. Mr. Bharwani joined Consumer Portfolio Services as Assistant Controller in August 1997. Before joining the company, he was employed as Assistant Controller at The Todd-AO Corporation from 1989 to 1997.

Michael T. Lavin President, Chief Operating Officer and Chief Legal Officer

Mr. Lavin has been President of Consumer Portfolio Services since December 2022. Prior to this, he served as Executive Vice President, Chief Legal Officer and Chief Operating Officer from March 2019. His previous roles include Executive Vice President and Chief Legal Officer since March 2014, Senior Vice President - General Counsel since March 2013, and Senior Vice President and Corporate Counsel since May 2009. Mr. Lavin initially joined the company as Vice President - Legal in November 2001. He oversees several departments, including Sales, Originations, Servicing, Risk, Systems, IT, Human Resources, Legal, and Investor Relations.

Teri L. Robinson Executive Vice President of Sales & Originations

Ms. Robinson serves as the Executive Vice President of Sales & Originations. No further detailed background information is available.

Christopher Terry Executive Vice President - Systems, Risk and IT

Mr. Terry holds the position of Executive Vice President - Systems, Risk and IT. No further detailed background information is available.

AI Analysis | Feedback

Key Risks to Consumer Portfolio Services (CPSS)

Consumer Portfolio Services (CPSS), a specialty finance company focused on the sub-prime auto lending market, faces several significant risks inherent to its business model and the broader economic environment.

  1. Elevated Credit Risk and Deteriorating Asset Quality: CPSS's core business involves purchasing and servicing retail automobile contracts from sub-prime borrowers, who typically have limited credit histories or past credit problems. This customer segment is highly susceptible to economic downturns, rising unemployment, and inflationary pressures, leading to an inherently higher risk of loan defaults and delinquencies. Recent data indicates a worsening trend in credit quality, with annualized net charge-offs reaching 8.01% in Q3 2025, up from 7.32% in Q3 2024. Delinquency rates have also remained persistently high, with total delinquencies at 13.96% in Q3 2025 and nearly 7% of sub-prime auto borrowers at least 60 days behind in payments as of March 2025. Furthermore, consumer bankruptcy filings have shown an accelerating trend, rising 23.5% year-to-date in 2025 over 2024, directly impacting the recoverability of loans.
  2. Interest Rate Sensitivity and Funding Costs: As a finance company, CPSS relies heavily on securitization—packaging pools of loans into asset-backed securities (ABS)—to fund its loan originations and operations. Sustained high interest rates significantly increase the cost of these funding mechanisms, directly compressing the company's net interest margin (NIM) on its sub-prime auto receivables. Any substantial increase in coupon rates on new asset-backed notes could tighten liquidity and negatively impact profitability. Rising interest rates also make it more challenging for investors and loan originators to absorb losses from deteriorating asset-backed securities, further squeezing sub-prime auto lenders.
  3. Regulatory Scrutiny and Compliance Costs: The auto finance industry, particularly the sub-prime segment, is subject to extensive regulation at both state and federal levels. Changes in these regulations, which often aim to protect consumers or mitigate overall market risk, could lead to increased compliance costs, restrict lending practices, or limit growth opportunities for CPSS.

AI Analysis | Feedback

The increasing adoption of advanced Artificial Intelligence (AI) and Machine Learning (ML) technologies by digital lending platforms and other financial institutions. These technologies can provide more sophisticated and potentially more accurate credit risk assessments, even for borrowers with limited or challenged credit histories. This could lead to new competitors offering more competitive rates or streamlined processes in the sub-prime auto lending market, thereby eroding Consumer Portfolio Services' specialized niche as an alternative financing source.

AI Analysis | Feedback

Consumer Portfolio Services (CPSS) primarily operates in the U.S. subprime and deep subprime auto lending market. The total U.S. outstanding auto loan balances were approximately $1.66 trillion in 2025. Subprime and deep subprime loans constituted about 22.1% of all auto loan debt as of August 2025. Therefore, the addressable market for Consumer Portfolio Services' main products and services is estimated to be approximately **$367.06 billion (U.S.)** based on the outstanding subprime and deep subprime auto loan debt.

AI Analysis | Feedback

Consumer Portfolio Services (CPSS) anticipates several key drivers of future revenue growth over the next two to three years:

  1. Growth in Loan Originations and Receivables Portfolio: The company expects substantial growth in its receivables portfolio, which is the primary driver of interest income. Management aims to increase the portfolio significantly in the coming years by focusing on expanding its loan originations. This growth will be fueled by efforts such as hiring new sales representatives, expanding into new territories, and increasing the number of active dealers in its funding pool.
  2. Expanded Funding Capacity and Strategic Financing: New financing opportunities are expected to be instrumental for growth. Consumer Portfolio Services recently secured a new $150 million warehouse line with Capital One and a $900 million prime forward flow commitment with a credit union partner. These expanded funding lines will provide the necessary capital to support increased contract purchases and portfolio expansion in 2026 and beyond.
  3. Improved Credit Quality and Portfolio Performance: While not a direct revenue driver, improvements in credit quality are expected to enhance overall profitability and net interest margin, thereby positively impacting net revenue. The company anticipates that problematic loan vintages from 2022 and 2023, which have historically weighed on performance, will become "de minimis by the end of '26," leading to better recovery rates and loss performance in newer originations.
  4. Increased Application Volume and Dealer Engagement: A strategic focus for the company is to increase its monthly application volume from 250,000 to 325,000. This, coupled with efforts to add more active dealers to its funding network, is designed to expand the customer base and drive a higher volume of new contract purchases, directly contributing to revenue growth.
  5. Enhanced Operational Efficiency and Credit Scoring Model: The implementation of a new credit scoring model has already led to an 11% increase in approvals and an 8.4% rise in total fundings. These operational efficiencies and improved underwriting processes are expected to strengthen the company's credit operations and drive future business expansion by converting more applications into funded contracts.

AI Analysis | Feedback

Share Repurchases

  • Consumer Portfolio Services made approximately $58.08 million in share repurchases between Q1 2021 and Q3 2025.
  • The number of outstanding shares decreased by 1.08% in the last year.

Share Issuance

  • The number of outstanding shares increased due to the exercise of stock options as part of the company's employee long-term incentive plan.
  • Between December 31, 2024, and September 30, 2025, the number of issued and outstanding shares increased by approximately 711,010.
  • Shareholders approved the 2025 Equity Incentive Plan, authorizing up to 4,501,330 shares of common stock for various awards.

Capital Expenditures

  • Capital expenditures were -$721,000 in the last 12 months.

Peer Outperformance in Consumer Finance

CPSS has outperformed 59% of its 29 Consumer Finance peers over 5Y. Among the peers that beat it is SYF. Consumer Finance ranks 12th of 18 industries in Financials by median 5Y return. The sector’s gains have largely come from elsewhere.
Share of Consumer Finance constituents that CPSS has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
59%
of 32 industry peers · 19.2% return
3Y
10%
of 29 industry peers · 1.1% return
5Y
59%
of 29 industry peers · 37.3% return
Consumer Finance peers with revenue growth within 4pp of CPSS's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
CPSS Consumer Portfolio Services 2.2% 9.2x 19.2%1.1%37.3% —
SYF Synchrony Financial 5.2% 7.4x 5.0%168.4%80.4% +43pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Consumer Finance is CPSS's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 37.5%74.0%118.3% SPNT 170% · RGA 148% · RNR 138%
Investment Banking & Brokerage 13 -1.9%90.1%92.3% IBKR 314% · SNEX 159% · HOOD 140%
Diversified Banks 12 32.8%141.8%91.6% CM 142% · RY 130% · JPM 126%
Life & Health Insurance 20 17.2%52.4%78.2% JXN 536% · UNM 303% · FG 188%
Property & Casualty Insurance 42 21.7%72.7%65.0% PGR 176% · TRV 176% · ACGL 166%
Multi-line Insurance 9 10.2%68.9%63.6% AIZ 100% · GNW 98% · L 97%
Multi-Sector Holdings 3 9.8%52.4%57.5% BRK-B 93% · VOYA 57% · JEF 35%
Regional Banks 262 34.5%91.3%53.5% CBC 263% · FCNCA 189% · NIC 146%
Financial Exchanges & Data 15 19.8%33.8%32.6% CBOE 176% · VIRT 144% · CME 71%
Insurance Brokers 15 5.3%11.6%26.0% LIFE 387% · ARX 89% · AJG 80%
Asset Management & Custody Banks 85 -6.1%21.7%8.8% VCTR 257% · WT 230% · AAMI 191%
Consumer Finance ← 30 5.9%72.9%5.4% ENVA 397% · FCFS 137% · AXP 101%
Diversified Financial Services 4 -5.1%18.6%3.3% FRHC 171% · EQH 80%
Commercial & Residential Mortgage Finance 14 -48.7%20.2%-0.2% FNMA 448% · FMCC 399% · ACT 167%
Specialized Finance 3 8.4%31.0%-20.6% HASI -21% · CACC -28%
Transaction & Payment Processing Services 17 15.8%17.6%-22.2% V 111% · MA 106% · CPAY 69%
Mortgage REITs 35 -19.0%-7.6%-35.2% RITM 35% · DX 18% · AGNC 11%
Diversified Capital Markets 20 -58.1%2.5%-68.4% LPLA 80% · TW 39% · WULF -60%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

CPSSPRAASWRDAXPCOFAFRMMedian
NameConsumer.PRA Stewards American.Capital .Affirm  
Mkt Price9.9619.462.94327.22209.4973.0646.26
Mkt Cap0.20.7-220.2130.024.824.8
Rev LTM2211,343-77,58761,9384,2614,261
Op Inc LTM-347---871609
FCF LTM359-38-13,91029,701993993
FCF 3Y Avg287-74-15,35023,450628628
CFO LTM360-31-17,62631,4521,2311,231
CFO 3Y Avg288-69-17,93524,858825825

Growth & Margins

CPSSPRAASWRDAXPCOFAFRMMedian
NameConsumer.PRA Stewards American.Capital .Affirm  
Rev Chg LTM7.7%17.6%-10.2%45.1%32.2%17.6%
Rev Chg 3Y Avg2.2%16.9%-9.6%21.2%39.1%16.9%
Rev Chg Q24.5%29.1%-8.9%26.9%33.0%26.9%
QoQ Delta Rev Chg LTM5.8%6.7%-2.2%5.7%7.3%5.8%
Op Inc Chg LTM-67.8%---157.7%112.7%
Op Inc Chg 3Y Avg-368.2%---152.8%260.5%
Op Mgn LTM-25.8%---20.4%23.1%
Op Mgn 3Y Avg-15.9%---6.5%11.2%
QoQ Delta Op Mgn LTM-4.0%---1.1%2.5%
CFO/Rev LTM163.1%-2.3%-22.7%50.8%28.9%28.9%
CFO/Rev 3Y Avg136.8%-6.5%-25.3%53.0%24.3%25.3%
FCF/Rev LTM162.4%-2.8%-17.9%48.0%23.3%23.3%
FCF/Rev 3Y Avg136.4%-7.0%-21.8%50.0%18.2%21.8%

Valuation

CPSSPRAASWRDAXPCOFAFRMMedian
NameConsumer.PRA Stewards American.Capital .Affirm  
Mkt Cap0.20.7-220.2130.024.824.8
P/S1.00.6-2.82.15.82.1
P/Op Inc-2.1---28.415.3
P/EBIT--10.2---26.28.0
P/E9.2-2.8-18.012.412.812.4
P/CFO0.6-23.6-12.54.120.14.1
Total Yield10.8%-35.2%-6.7%9.5%7.7%7.7%
Dividend Yield0.0%0.0%-1.1%1.4%0.0%0.0%
FCF Yield 3Y Avg152.4%-10.6%-7.3%26.9%3.0%7.3%
D/E20.35.1-0.30.30.40.4
Net D/E20.34.7-0.1-0.10.30.3

Returns

CPSSPRAASWRDAXPCOFAFRMMedian
NameConsumer.PRA Stewards American.Capital .Affirm  
1M Rtn9.6%3.2%20.0%8.4%7.6%3.2%8.0%
3M Rtn3.8%11.5%-30.8%-4.8%-3.4%-3.4%-3.4%
6M Rtn0.5%-9.0%8.5%3.1%11.2%8.9%5.8%
12M Rtn18.6%42.0%-51.0%-8.3%-3.3%1.6%-0.8%
3Y Rtn0.6%38.6%-51.0%121.6%106.4%225.7%72.5%
1M Excs Rtn11.9%5.5%22.2%10.7%9.9%5.6%10.3%
3M Excs Rtn9.5%12.9%-33.0%-2.8%-2.8%-4.0%-2.8%
6M Excs Rtn-4.2%-13.7%4.0%-1.6%6.5%4.2%1.2%
12M Excs Rtn11.6%31.4%-61.1%-18.3%-13.1%-4.4%-8.7%
3Y Excs Rtn-71.2%-37.3%-129.8%54.0%63.4%237.7%8.4%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
It provides indirect vehicle financing to motor vehicle dealer’s less credit- worthy borrowers202202205242193
Total202202205242193


Price Behavior

Price Behavior
Market Price$10.01 
Market Cap ($ Bil)0.2 
First Trading Date02/22/1993 
Distance from 52W High-2.8% 
   50 Days200 Days
DMA Price$9.34$9.03
DMA Trendindeterminateindeterminate
Distance from DMA7.1%10.9%
 3M1YR
Volatility40.3%39.9%
Downside Capture-35.6019.28
Upside Capture7.4141.42
Correlation (S&P 500)-3.8%7.4%
CPSS Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-1.36-0.39-0.19-0.320.190.49
Up Beta-8.51-0.67-1.21-0.54-0.050.63
Down Beta-0.27-0.11-0.41-0.510.080.11
Up Capture-59%-10%32%-8%33%24%
Bmk +ve Days12182862130427
Stock +ve Days10253568132371
Down Capture-223%-92%-16%-37%25%86%
Bmk -ve Days10253664121325
Stock -ve Days10162754109360

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CPSS
CPSS22.8%39.9%0.60-
Sector ETF (XLF)11.6%14.6%0.5211.5%
Equity (SPY)11.6%12.8%0.576.2%
Gold (GLD)-2.3%28.6%-0.09-9.2%
Commodities (DBC)43.1%20.9%1.60-11.7%
Real Estate (VNQ)11.0%13.7%0.506.4%
Bitcoin (BTCUSD)-28.8%43.6%-0.6613.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CPSS
CPSS7.6%57.6%0.34-
Sector ETF (XLF)9.0%18.3%0.3531.7%
Equity (SPY)12.0%17.1%0.5232.3%
Gold (GLD)16.5%19.0%0.692.5%
Commodities (DBC)8.4%19.6%0.315.8%
Real Estate (VNQ)1.1%18.9%-0.0533.2%
Bitcoin (BTCUSD)4.1%51.6%0.2614.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CPSS
CPSS8.9%62.9%0.39-
Sector ETF (XLF)13.4%22.1%0.5518.9%
Equity (SPY)15.2%17.9%0.7218.0%
Gold (GLD)11.6%16.5%0.572.6%
Commodities (DBC)7.8%18.1%0.345.9%
Real Estate (VNQ)5.4%20.7%0.2218.5%
Bitcoin (BTCUSD)61.7%66.3%1.017.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.2 Mil
Short Interest: % Change Since 93020266.0%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest6.2 days
Basic Shares Quantity21.8 Mil
Short % of Basic Shares0.8%

Earnings Returns History

Updated 11/3/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/23/2026-6.1%2.3% 
8/4/2026-1.4%-1.2%-0.2%
5/5/20262.6%-2.9%-7.0%
3/10/2026-2.1%4.3%8.2%
11/10/2025-8.3%-7.3%6.6%
8/11/20250.4%1.5%1.2%
5/13/2025-2.6%-8.9%4.7%
2/26/2025-1.3%-7.7%-14.6%
...
SUMMARY STATS   
# Positive71013
# Negative16139
Median Positive2.3%2.9%8.0%
Median Negative-2.3%-4.7%-7.0%
Max Positive31.2%13.5%24.0%
Max Negative-8.3%-13.0%-21.4%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/23/2026-6.1%2.3% 
8/4/2026-1.4%-1.2%-0.2%
5/5/20262.6%-2.9%-7.0%
3/10/2026-2.1%4.3%8.2%
11/10/2025-8.3%-7.3%6.6%
8/11/20250.4%1.5%1.2%
5/13/2025-2.6%-8.9%4.7%
2/26/2025-1.3%-7.7%-14.6%
11/1/2024-0.3%9.8%5.6%
7/31/2024-0.1%-13.0%-12.9%
5/13/2024-6.9%3.3%8.0%
3/18/2024-1.8%-4.7%7.2%
11/13/2023-2.6%2.4%-7.2%
8/3/2023-3.2%-7.5%-21.4%
4/27/20232.3%-2.7%14.1%
11/10/202231.2%13.5%23.0%
7/26/2022-2.5%0.6%5.8%
4/19/20225.5%-4.2%19.9%
2/15/20221.9%2.2%-0.6%
10/27/2021-1.4%11.5%24.0%
8/12/2021-1.7%-11.3%-3.6%
5/11/2021-4.7%-3.0%9.1%
2/23/20211.2%-1.2%-1.9%
SUMMARY STATS   
# Positive71013
# Negative16139
Median Positive2.3%2.9%8.0%
Median Negative-2.3%-4.7%-7.0%
Max Positive31.2%13.5%24.0%
Max Negative-8.3%-13.0%-21.4%

SEC Filings

Expand for More
Report DateFiling DateFiling
09/30/202610/30/202610-Q
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/16/202610-K
09/30/202511/10/202510-Q
06/30/202508/11/202510-Q
03/31/202505/12/202510-Q
12/31/202403/12/202510-K
09/30/202411/07/202410-Q
06/30/202408/08/202410-Q
03/31/202405/10/202410-Q
12/31/202303/15/202410-K
09/30/202311/09/202310-Q
06/30/202308/08/202310-Q
03/31/202305/10/202310-Q
12/31/202203/15/202310-K
Collapse to Preview
Report DateFiling DateFiling
09/30/202610/30/202610-Q
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/16/202610-K
09/30/202511/10/202510-Q
06/30/202508/11/202510-Q
03/31/202505/12/202510-Q
12/31/202403/12/202510-K
09/30/202411/07/202410-Q
06/30/202408/08/202410-Q
03/31/202405/10/202410-Q
12/31/202303/15/202410-K
09/30/202311/09/202310-Q
06/30/202308/08/202310-Q
03/31/202305/10/202310-Q
12/31/202203/15/202310-K
09/30/202211/14/202210-Q
06/30/202208/08/202210-Q
03/31/202205/04/202210-Q
12/31/202103/16/202210-K
09/30/202111/10/202110-Q
06/30/202108/12/202110-Q
03/31/202105/11/202110-Q
12/31/202003/10/202110-K
09/30/202011/03/202010-Q
06/30/202007/31/202010-Q
03/31/202005/05/202010-Q
12/31/201903/16/202010-K

Insider Activity

Updated 9/3/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Jackson, NoelSr. Vice PresidentDirectSell90320269.317,500  Form
2Bradley, Charles E JRCEODirectSell82820269.46125,0001,182,50038,781,696Form
3Ralston, Catrina MarieSr. Vice PresidentDirectSell81420269.503,61734,362648,489Form
4Ralston, Catrina MarieSr. Vice PresidentDirectSell81120269.509168,702682,850Form
5Ralston, Catrina MarieSr. Vice PresidentDirectSell81120269.504674,436691,552Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Jackson, NoelSr. Vice PresidentDirectSell90320269.317,500  Form
2Bradley, Charles E JRCEODirectSell82820269.46125,0001,182,50038,781,696Form
3Ralston, Catrina MarieSr. Vice PresidentDirectSell81420269.503,61734,362648,489Form
4Ralston, Catrina MarieSr. Vice PresidentDirectSell81120269.509168,702682,850Form
5Ralston, Catrina MarieSr. Vice PresidentDirectSell81120269.504674,436691,552Form
6Jackson, NoelSr. Vice PresidentDirectSell61720269.637,000  Form
7Wood, Daniel SDirectSell31720267.5320,000150,6001,467,921Form
8Roberts, William BDirectSell120820258.69100,000869,0004,220,750Form
9Jackson, NoelSr. Vice PresidentDirectSell91720258.499,369  Form
Core Cache Last Updated: 11/2/2026