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Upturn AI SWOT - About
CPSS 
Consumer Portfolio Services Inc (CPSS)
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Upturn Advisory Summary
03/27/2025: CPSS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -44.31% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 212.77M USD | Price to earnings Ratio 11.43 | 1Y Target Price 18 |
Price to earnings Ratio 11.43 | 1Y Target Price 18 | ||
Volume (30-day avg) 17426 | Beta 2.01 | 52 Weeks Range 7.03 - 12.73 | Updated Date 03/30/2025 |
52 Weeks Range 7.03 - 12.73 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.89 |
Earnings Date
Report Date 2025-03-13 | When Before Market | Estimate - | Actual 0.212 |
Profitability
Profit Margin 11.53% | Operating Margin (TTM) 14.97% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 7.71% |
Valuation
Trailing PE 11.43 | Forward PE 4.86 | Enterprise Value 3337538816 | Price to Sales(TTM) 1.01 |
Enterprise Value 3337538816 | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 16.41 | Enterprise Value to EBITDA - | Shares Outstanding 20701700 | Shares Floating 7106312 |
Shares Outstanding 20701700 | Shares Floating 7106312 | ||
Percent Insiders 40.43 | Percent Institutions 47.83 |
Analyst Ratings
Rating - | Target Price 18 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Consumer Portfolio Services Inc
Company Overview
History and Background
Consumer Portfolio Services, Inc. (CPS) was founded in 1991. It specializes in purchasing and servicing retail automobile contracts originated by franchised and select independent dealers in the United States. The company has grown over the years by focusing on subprime auto lending and has faced challenges related to regulatory compliance and economic cycles.
Core Business Areas
- Subprime Auto Lending: CPS focuses on purchasing, securitizing, servicing, and managing indirect automobile installment contracts, specifically in the subprime market. They work with car dealerships to provide financing options to customers with limited or no credit history.
Leadership and Structure
Charles E. Bradley, Jr. serves as the Chief Executive Officer. The company operates with a standard corporate structure, including a board of directors and executive management team responsible for setting strategic direction and overseeing daily operations.
Top Products and Market Share
Key Offerings
- Auto Loan Servicing: CPS's primary product is the servicing of auto loans purchased from dealerships. They collect payments, manage delinquencies, and pursue repossession when necessary. Market share data is not publicly available. Competitors include other subprime auto lenders and specialized auto loan servicers. Competitors include Credit Acceptance Corporation and Regional Management Corp.
Market Dynamics
Industry Overview
The subprime auto lending industry is characterized by higher interest rates and higher default rates compared to prime lending. It is sensitive to economic conditions and regulatory scrutiny.
Positioning
CPS is positioned as a specialist in the subprime auto loan market, focusing on a specific segment of borrowers with impaired credit. Their competitive advantage lies in their experience and infrastructure for managing subprime loan portfolios.
Total Addressable Market (TAM)
The total addressable market for subprime auto loans is significant, estimated to be tens of billions of dollars annually in the US. CPS captures a small portion of this TAM. Growth depends on overall economic conditions and consumer demand for vehicles. Their positioning allows them to capture some of this demand.
Upturn SWOT Analysis
Strengths
- Specialized expertise in subprime auto lending
- Established relationships with auto dealerships
- Experienced management team
Weaknesses
- High credit risk associated with subprime borrowers
- Sensitivity to economic downturns
- Regulatory compliance challenges
Opportunities
- Expansion into new geographic markets
- Development of new loan products
- Technological advancements in loan servicing
Threats
- Increased competition from other lenders
- Changes in regulations
- Economic recession
Competitors and Market Share
Key Competitors
- CACC
- RM
- SC
- OCN
Competitive Landscape
CPS faces competition from other subprime auto lenders and traditional financial institutions. Their competitive advantage lies in their specialized focus and expertise in managing subprime loan portfolios.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be determined by reviewing CPS's past financial performance from SEC filings.
Future Projections: Future projections are best obtained from analyst reports and company guidance. This information is not readily available without a paid subscription to financial data services.
Recent Initiatives: Recent initiatives need to be obtained from press releases and investor presentations.
Summary
Consumer Portfolio Services Inc. specializes in the subprime auto loan sector. Its strengths are offset by economic sensitivities and regulatory hurdles. The company's success hinges on effective risk management and adapting to changes in the market. Its small market share indicates that larger players dominate. Future growth relies on strategic initiatives and industry trends.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
CACC
Credit Acceptance Corporation
CACC
Credit Acceptance Corporation
OCN
Ocwen Financial Corporation
OCN
Ocwen Financial Corporation
RM
Regional Management Corp
RM
Regional Management Corp
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Press Releases
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share estimates may vary. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Consumer Portfolio Services Inc
Exchange NASDAQ | Headquaters Las Vegas, NV, United States | ||
IPO Launch date 1992-10-22 | CEO & Chairman Mr. Charles E. Bradley Jr. | ||
Sector Financial Services | Industry Credit Services | Full time employees 933 | |
Full time employees 933 | |||
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was incorporated in 1991 and is based in Las Vegas, Nevada.
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