Consumer Portfolio Services, Inc.
CPSSFinancial ServicesNASDAQCredit Services · Last scanned Oct 24, 2026
Scan Results
Daily timeframeConsumer Portfolio Services, Inc. The company carries a $216.9M market cap, placing it firmly in the micro-cap category. operates as a specialty finance company in the United States.
Market Cap
$216.9M
Beta
1.14
P/E (TTM)
10.53
P/E (Fwd)
6.83
EPS (TTM)
$0.94
EPS (Fwd)
$1.45
ROE
6.9%
ROA
0.5%
Cash
$7.5M
Total Debt
$4.03B
Free CF
—
52W Change
22.2%
Annual Financials
Cash vs Debt
Where CPSS stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, CPSS finished 1.63% below its 150-day moving average ($9.18) and 0.22% above its 200-day moving average ($9.01). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CPSS overbought or oversold?
At the October 20, 2026 close, CPSS's RSI(14) was 49.4, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, CPSS has $7.5M in cash with $4.03B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 6.9%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.5% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $192.6M (2021) to $202.4M (2025).
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CPSS.