Consumer Portfolio Services Inc
Consumer Portfolio Services Inc (CPSS) is a small-cap specialist in consumer auto finance, primarily focusing on originating, purchasing and servicing loans to non-prime borrowers. With a market capitalisation of about $164.24M, the company typically participates in indirect auto lending channels and may use securitisation and servicing arrangements to manage portfolios and funding. Investors should know that revenue is driven mainly by interest income, fees and servicing income, while profitability is sensitive to loan performance and credit losses. Key considerations include exposure to economic cycles, funding and liquidity availability, regulatory developments and the relatively limited scale and liquidity of its equity. Because CPSS operates in a higher-risk niche, volatility and swings in credit metrics can be pronounced. This summary is general information only and not personal financial advice; potential investors should review recent regulatory filings and consider their risk tolerance and diversification needs before investing.
Stock Performance Snapshot
Financial Health
Consumer Portfolio Services Inc has steady revenue and cash flow, but limited profit generation.
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Baskets Featuring CPSS
Consumer Confidence On The Rise
A recent report showed a rise in U.S. consumer confidence, driven by lower inflation fears and a climbing stock market. This suggests consumers may be more willing to spend, creating a potential tailwind for companies that sell non-essential goods and services.
Published: July 30, 2025
Explore BasketUnlocking Value: The Finance Arm Spinoff
Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.
Published: July 29, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Credit Cycle Sensitivity
Loan performance tends to track economic conditions and unemployment, so credit trends can quickly affect profitability, though outcomes can vary.
Funding & Liquidity
The business often relies on securitisation and external funding; changes in capital markets or funding costs can materially impact operations.
Niche Consumer Market
Focused on non-prime auto borrowers—this can offer higher yields but also greater default risk, so diversification and due diligence matter.
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6% Interest on Cash
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