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CPSS

Consumer Portfolio ServicesA
Nasdaq / Financial Services
Last Price
At close
2026-06-02
View Chart
Current thesis
The bull read is that Q1 showed real operating traction: originations rose 18% y/y, receivables hit a record, revenues rose 5.1%, and net income rose 18%, with delinquency percentages improving as recent funding actions expanded capacity. At the 2026-05-15 anchor price of $9.89, shares also sit below the packet's limited median target summary of $14.0.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite.
What can break
Credit costs remain the key risk: Q1 annualized net charge-offs rose to 8.57% from 7.54% a year earlier even as delinquency ratios improved [#8-K-2026-05-05].
Momentum
79
Value
55
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $11.40 · Bull $13.50 · Bear $7.40
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-16 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $14.00
Why
Momentum79 · Δ7d -
Value55 · Δ7d -1.0
Sentiment63 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
79
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
55
32% active weight
Current posture
7d trendSoftening
Δ7d
-1.0
Δ21d
-1.1
Sentiment
63
33% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 78.8 / Value 55.2 / Sentiment 62.8

Fundamentals (TTM)
As of 2026-06-01
Market Cap
$212.21M
Beta
1.04
Shares Out
22.07M
P/E (TTM)
11.1
P/S (TTM)
0.47
P/FCF (TTM)
0.71
Rev YoY
+14.0%
EPS YoY
+1.6%
Gross Margin
+46.2%
Op Margin
+4.0%
Net Debt
$3.12B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology