profit from every $100 of sales.
$0$100
Consumer Portfolio Services
$9.53-2.46% today
+14.7% in 1 year
1-year low $7.531-year high $10.45
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.78 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Consumer Portfolio Services sold, what it kept, and what it did with the cash.
Sales went from $242 million in 2022 to $202 million in 2025, with $19.3 million of profit last year.
SalesProfit
Consumer Portfolio Services handed back 3% of the cash it generated last year.
Buybacks $9M
Free cash flow 2025$288M
Bought back its own shares$9M
Paid as dividends–
Cash vs. debt$6M vs. $3.5B
Consumer Portfolio Services vs. similar companies
Consumer Portfolio Services grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Consumer Portfolio Services | 10.8× · Cheap | ||
 Sunbelt Rentals Holdings | 22.3× · Fair price | ||
 Global Payments | 17.4× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 41.6× · Expensive |
AI analysis
An AI analyst reads Consumer Portfolio Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 242 | 205 | 202 | 202 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 86 | 45 | 19 | 19 | |
| 3.23 | 1.80 | 0.79 | 0.80 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.5% | 22.1% | 9.5% | 9.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,753 | 2,904 | 3,494 | 3,858 |
| Cash | 13 | 6 | 12 | 6 |
| Total debt | 2,469 | 2,567 | 3,131 | 3,483 |
| Total liabilities | 2,524 | 2,629 | 3,201 | 3,549 |
| 228 | 275 | 293 | 310 | |
| 27 | 25 | 24 | 24 | |
| – | – | – | – | |
| 37.6% | 16.5% | 6.6% | 6.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 216 | 238 | 234 | 289 | |
| 2 | 1 | 0 | 1 | |
| 214 | 237 | 233 | 288 | |
| Dividends paid | – | – | – | – |
| 46 | 20 | 13 | 9 | |
| 4 | 3 | 3 | 3 |
Valuation
- 10.8×
- 3.9×
- –
- 0.7×
- 1.0×
- 0.7×
- –
- 138.4%
- 9.3%
- 0.0%
Profitability
- 60.1%
- 20.3%
- 9.5%
- 20.5%
- 885.3%
- 1.6%
- 6.5%
- 0.5%
- 2.2%
- –
Growth
- −5.8%
- −37.2%
- +23.9%
- –
- −0.8%
Financial health
- 40.9×
- 11.74
- 91.1%
- 0.4×
- 1.53
- 1.53
- 0.11
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 44%of 733
Top 32%of 876
Bottom 13%of 878
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 0.24 | – | – |
| Mar 10, 2026 | 0.21 | 0.23 | −8.7% |
| Nov 10, 2025 | 0.20 | 0.25 | −20.0% |
| Aug 11, 2025 | 0.20 | 0.26 | −23.1% |
| May 12, 2025 | 0.19 | 0.30 | −36.7% |
| Feb 25, 2025 | 0.21 | 0.27 | −22.2% |
| Oct 31, 2024 | 0.20 | 0.21 | −4.8% |
| Jul 30, 2024 | 0.19 | – | – |
News
Exchange-Traded Funds, Equity Futures Mixed Pre-Bell Tuesday Amid October Consumer Inflation ReportYahoo Finance · Nov 10, 2026Hot U.S. inflation hasn’t cooled off. Rising consumer prices to keep Fed rate hike on track.MarketWatch · Nov 9, 2026Uniti projects $610M-$630M of 2026 consumer fiber revenue while increasing AI opportunity estimatesSeeking Alpha · Nov 9, 2026These 5 Consumer Stocks Raised Their Dividends in 2026. Here's What $10,000 in Each Pays in 2027.Yahoo Finance · Nov 7, 2026Consumer discretionary earnings mixed as revenue growth outpaces profit gainsSeeking Alpha · Oct 31, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
43No pass
Benjamin Graham
73Pass
Philip Fisher
45No pass
Peter Lynch
11No pass
Joel Greenblatt
64Pass
Charlie Munger
46No pass
Terry Smith
41No pass
Questions about Consumer Portfolio Services
Is Consumer Portfolio Services a good stock to buy?
A business with weak numbers, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Consumer Portfolio Services AI analysis
What does Consumer Portfolio Services do?
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is in Financial - Credit Services.
Does Consumer Portfolio Services pay a dividend?
No. Consumer Portfolio Services does not pay a dividend at the moment; in 2025 it returned $8.67 million to shareholders by buying back its own shares.
Is Consumer Portfolio Services stock halal?
No. Consumer Portfolio Services does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Consumer Portfolio Services stock done over the past year?
Up 14.7% over the past twelve months, to $9.53. It traded between $7.53 and $10.45 and is 8.8% below its high.
Who are Consumer Portfolio Services's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Consumer Portfolio Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.