10.45
+2.75%
Close of 9 Nov 2026, in USD
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About Consumer Portfolio Services
From its filings with the US Securities and Exchange Commission
Consumer Portfolio Services is based in Las Vegas, Nevada and is incorporated in California. Its shares trade on Nasdaq under the ticker CPSS. The SEC classifies its business as finance services. In the fiscal year to 31 December 2025, it reported revenue of $434.5m and net income of $19.3m. At that date it held total assets of $3.86bn and shareholders' equity of $309.5m.
We service our automobile contracts from our California, Nevada, Virginia, Florida, and Illinois branches.
31, 2025, we had three such short-term warehouse facilities with a total maximum borrowing capacity of $702.5 million.
During the year ended December 31, 2025, no dealer accounted for as much as 1.5% of the total number of automobile contracts we purchased.
As of December 31, 2025, our nearshore partner had approximately 80 agents assigned to our portfolio.
All amounts and percentages are based on the amount remaining to be repaid on each automobile contract.
We believe that a prudent extension program is an integral component to mitigating losses in our portfolio of sub-prime automobile receivables.
Quoted from its 10-K, filed 16 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 22 Oct 1992
- Employees
- 928
- Website
- consumerportfolio.com ↗
- Head office
- 3800 HOWARD HUGHES PKWY, LAS VEGAS, NV, 89169
- Incorporated in
- CA
- Classification
- Finance Services
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Charles BradleyChairman of the Board, Chief Executive Officer, since 1991$1.0m
- Mr. Michael LavinPresident, Chief Operating Officer, Chief Legal Officer$517,158
- Mr. Denesh BharwaniChief Financial Officer, Executive Vice President - Finance$430,871
- Ms. Teri RobinsonExecutive Vice President - Sales and Originations$388,342
- Mr. Christopher TerryExecutive Vice President - Risk Management, Systems and IT$383,534
- Ms. Lisette ReynosoSenior Vice President, General Counsel
- Ms. Catrina RalstonSenior Vice President - Human Resources
- Ms. Michele BaumeisterSenior Vice President - Originations
- Ms. April CrispSenior Vice President - Compliance and Regulatory Affairs
- Mr. Charles GonelSenior Vice President - Servicing
- Mr. John HartonSenior Vice President - Business Development
- Ms. Susan RyanSenior Vice President - Servicing
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 39
- Environment
- 45
- Social
- 28
- Governance
- 44
- Women in the workforce
- 67%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Consumer Portfolio Services Inc (CPS) has established a strong market presence as a leading provider of auto finance solutions. The company has a well-established network of dealership partners, allowing it to reach a wide customer base.
- CPS maintains a diverse portfolio of auto loans, offering financing options for customers with varying credit profiles. This diversification helps mitigate risk and ensures a stable revenue stream.
- CPS leverages innovative technological solutions to streamline its operations and enhance customer experience. Automated loan processing, online account management, and mobile applications contribute to increased efficiency and customer satisfaction.
Weaknesses
- CPS's performance is influenced by economic factors, such as interest rates and employment levels. Economic downturns can impact loan default rates and the company's overall financial stability.
- CPS relies heavily on its dealership partners for loan origination. Any deterioration in these partnerships or changes in their business practices could affect CPS's ability to generate new business and maintain its loan portfolio.
Opportunities
- The rising demand for automobile purchases presents an opportunity for CPS to expand its customer base and increase loan originations. As the economy improves and consumer spending strengthens, more individuals are seeking financing solutions for vehicle purchases.
- CPS can explore opportunities for geographic expansion or target underserved markets to grow its business. Expansion initiatives can help diversify the loan portfolio and generate additional revenue streams.
Threats
- CPS faces intense competition from traditional banks and other financial institutions offering auto finance services. These competitors may have stronger brand recognition, larger customer bases, and more resources, potentially limiting CPS's market share growth.
- Changes in regulations governing the auto finance industry can impact CPS's operations and profitability. Compliance with new laws and regulations may require costly adjustments, affecting the company's bottom line.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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