RankAlpha logo
Back to Rankings

CPSS

Consumer Portfolio ServicesB
Nasdaq / Financial Services
Last Price
Quote time unavailable
View Chart
Current thesis
The Q2 print materially strengthened the operating case: originations, portfolio size, revenue, earnings, and year-over-year credit metrics all improved [#SEC-8K-2026-08-04]. If credit performance remains stable, earnings growth could support a rerating from the current $9.57 anchor price.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-11-05.
What can break
Credit losses, delinquencies, repossessions, or consumer bankruptcies could rise as the portfolio expands.
Momentum
79
Value
58
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $9.75 · Bull $14.00 · Bear $7.00Analysis 2026-08-08; returns require an exact persisted reference.
Earnings
2026-11-05
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-29

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $14.00
Why
Momentum79 · Δ7d -
Value58 · Δ7d -0.6
Sentiment58 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-11-05.
  • • Value remains the lead driver in the composite, 7D delta -0.6.

Contradictions & invalidation

  • • Credit losses, delinquencies, repossessions, or consumer bankruptcies could rise as the portfolio expands.
  • • Dependence on securitization markets and other financing channels creates funding-cost and execution risk.
  • • Rapid portfolio growth can amplify losses and funding sensitivity.

Catalyst clock

2026-11-05

Q2 earnings delivered strong growth [#SEC-8K-2026-08-04]

Lead driver: Value · See fundamentals
Momentum
79
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
58
47% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-0.4
Sentiment
58
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 78.8 / Value 58.4 / Sentiment 57.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-08. Scenario method

B+
Bull case
20%
Probability
Target price
$14.00
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$9.75
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$7.00
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$218.18M
Beta
1.04
Shares Out
21.91M
P/E (TTM)
11.1
P/S (TTM)
0.47
P/FCF (TTM)
0.71
Rev YoY
+13.7%
EPS YoY
+33.8%
Gross Margin
+99.8%
Op Margin
+60.7%
Net Debt
$3.34B
Current Ratio
2.37
As of 2026-10-29 • Updated nightlySource: Internal modelMethods & Data