CONSUMER PORTFOLIO SERVICES, INC.
CPSS · Finance Services · 21.7M shares · +1%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $16M (gross $20M, SBC $4M)
Reference price $9.63 · est. market cap ~$209M — last insider sale, 2026-06-16 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C64Consumer Portfolio Services — subprime auto lender with strong cash flow.
Strengths
- Free cash flow 96th pct, ROA (76th)
Risks
- Thin equity returns (ROE 6.2%)
- Subprime credit and funding sensitivity
Notable findings
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
4.4%
Return on equity
6.2%
Return on assets
0.5%
Revenue growth (QoQ)
2.7%
Net-income growth
0.6%
Free cash flow
$288M
Tangible book value
$310M
Cash & investments
$6M
Stock comp / revenue
0.6%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-16 | Jackson Noel | Option exercise | 7.0K | $3.53 |
| 2026-06-16 | Jackson Noel | Sell | 7.0K | $9.63 |
| 2026-04-27 | Schween Steven | Option exercise | 30K | $2.47 |
| 2026-04-09 | Robinson Teri | Gift | 660 | — |
| 2026-04-07 | Schween Steven | Option exercise | 30K | $3.53 |
| 2026-03-13 | WOOD DANIEL S | Sell | 20K | $7.53 |
| 2026-02-12 | Bharwani Denesh | Gift | 9.0K | — |
| 2026-01-07 | Robinson Teri | Gift | 660 | — |
| 2025-12-04 | ROBERTS WILLIAM B | Sell | 100K | $8.69 |
| 2025-09-22 | Grasso Louis M | Option exercise | 20K | $2.47 |
| 2025-09-16 | Reynoso Lisette | Option exercise | 4.8K | $3.83 |
| 2025-09-16 | Jackson Noel | Option exercise | 9.4K | $2.47 |
| 2025-09-16 | Jackson Noel | Sell | 9.4K | $8.49 |
| 2025-09-16 | Reynoso Lisette | Tax withheld | 2.2K | $8.49 |
| 2025-09-15 | ROBERTS WILLIAM B | Disposition | 100K | $8.62 |
| 2025-07-21 | Robinson Teri | Gift | 660 | — |
| 2025-06-13 | Washer Greg | Option exercise | 30K | $3.53 |
| 2025-06-13 | Washer Greg | Sell | 3.0K | $10.10 |
| 2025-06-12 | Washer Greg | Sell | 1.6K | $10.10 |
| 2025-06-12 | Washer Greg | Sell | 5.0K | $10.05 |
| 2025-06-11 | Washer Greg | Sell | 2.1K | $10.00 |
| 2025-06-11 | Washer Greg | Sell | 7.5K | $9.85 |
| 2025-06-06 | Crisp April | Sell | 100 | $9.75 |
| 2025-06-02 | Crisp April | Option exercise | 15K | $3.53 |
| 2025-06-02 | Crisp April | Option exercise | 10K | $2.47 |
| 2025-06-02 | Crisp April | Option exercise | 20K | $4.95 |
| 2025-06-02 | Crisp April | Tax withheld | 19K | $9.21 |
| 2025-05-21 | Schween Steven | Gift | 8.5K | — |
| 2025-05-16 | Washer Greg | Sell | 140 | $8.96 |
| 2025-05-15 | Washer Greg | Sell | 6.3K | $9.16 |
| 2025-05-08 | Rayhill Brian | Option exercise | 45K | $3.48 |
| 2025-05-08 | BRADLEY CHARLES E JR | Option exercise | 29K | $3.48 |
| 2025-05-08 | BRADLEY CHARLES E JR | Option exercise | 271K | $3.48 |
| 2025-05-08 | BRADLEY CHARLES E JR | Tax withheld | 96K | $9.88 |
| 2025-05-08 | Robinson Teri | Option exercise | 25K | $3.48 |
| 2025-05-08 | Robinson Teri | Option exercise | 35K | $3.48 |
| 2025-05-08 | Robinson Teri | Tax withheld | 18K | $9.88 |
| 2025-05-08 | Robinson Teri | Gift | 42K | — |
| 2025-05-08 | Robinson Teri | Gift | 42K | — |
| 2025-05-08 | TERRY CHRIS | Option exercise | 60K | $3.48 |
| 2025-05-08 | TERRY CHRIS | Tax withheld | 27K | $9.88 |
| 2025-05-08 | Washer Greg | Option exercise | 60K | $3.48 |
| 2025-05-08 | Rayhill Brian | Tax withheld | 16K | $9.88 |
| 2025-05-08 | Lavin Michael T. | Option exercise | 23K | $3.48 |
| 2025-05-08 | Lavin Michael T. | Option exercise | 67K | $3.48 |
| 2025-05-08 | Lavin Michael T. | Tax withheld | 39K | $9.88 |
| 2025-05-08 | Lavin Michael T. | Gift | 51K | — |
| 2025-05-08 | Lavin Michael T. | Gift | 51K | — |
| 2025-05-08 | Bharwani Denesh | Option exercise | 60K | $3.48 |
| 2025-05-08 | Bharwani Denesh | Tax withheld | 27K | $9.88 |
| 2025-05-08 | Schween Steven | Option exercise | 30K | $3.48 |
| 2025-05-08 | Schween Steven | Tax withheld | 11K | $9.88 |
| 2025-05-07 | Gonel Charles E. | Option exercise | 30K | $3.48 |
| 2025-05-07 | Ryan Susan | Option exercise | 22K | $3.48 |
| 2025-05-07 | Ryan Susan | Tax withheld | 8.6K | $9.12 |
| 2025-05-07 | Gonel Charles E. | Tax withheld | 13K | $9.12 |
| 2025-05-02 | Baumeister Michele L | Tax withheld | 13K | $9.07 |
| 2025-05-02 | Baumeister Michele L | Option exercise | 30K | $3.48 |
| 2025-05-01 | Schween Steven | Gift | 2.1K | — |
| 2025-04-30 | WOOD DANIEL S | Option exercise | 45K | $3.48 |
| 2025-04-30 | WOOD DANIEL S | Tax withheld | 17K | $9.23 |
| 2025-04-24 | Ralston Catrina Marie | Tax withheld | 12K | $8.80 |
| 2025-04-24 | Ralston Catrina Marie | Option exercise | 26K | $3.48 |
| 2025-03-25 | Bharwani Denesh | Gift | 8.6K | — |
| 2025-03-12 | ROBERTS WILLIAM B | Sell | 4.2K | $9.25 |
| 2025-03-10 | ROBERTS WILLIAM B | Sell | 200 | $9.57 |
| 2025-03-07 | ROBERTS WILLIAM B | Sell | 6.3K | $9.41 |
| 2025-03-06 | ROBERTS WILLIAM B | Sell | 3.2K | $9.42 |
| 2025-03-05 | ROBERTS WILLIAM B | Sell | 534 | $9.40 |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (0)
Suppliers (1)
- Ares Agent Services, L.P.
Named in the 10-K; linked when we track them.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-20 | Reg FDExhibits | filing ↗ |
| 2026-05-05 | ResultsExhibits | filing ↗ |
| 2026-04-24 | Material agreementDebt obligationExhibits | filing ↗ |
| 2026-04-09 | Material agreementDebt obligationExhibits | filing ↗ |
| 2026-04-02 | Exec/director change | filing ↗ |
| 2026-03-24 | Reg FDExhibits | filing ↗ |
| 2026-03-10 | ResultsExhibits | filing ↗ |
| 2026-03-04 | OtherExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-20 | 2026-05-20 | 0001683168-26-004165 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001683168-26-003607 ↗ |
| 8-K | 2026-05-05 | 2026-05-05 | 0001683168-26-003502 ↗ |
| 8-K | 2026-04-24 | 2026-04-22 | 0001683168-26-003193 ↗ |
| 8-K | 2026-04-09 | 2026-04-03 | 0001683168-26-002775 ↗ |
| 8-K | 2026-04-02 | 2026-03-27 | 0001683168-26-002616 ↗ |
| 8-K | 2026-03-24 | 2026-03-24 | 0001683168-26-002174 ↗ |
| 10-K | 2026-03-16 | 2025-12-31 | 0001683168-26-001856 ↗ |
| 8-K | 2026-03-10 | 2026-03-10 | 0001683168-26-001649 ↗ |
| 8-K | 2026-03-04 | 2026-03-04 | 0001683168-26-001493 ↗ |
| 8-K | 2026-02-24 | 2026-02-18 | 0001683168-26-001289 ↗ |
| 8-K | 2026-02-05 | 2026-01-30 | 0001683168-26-000793 ↗ |