CPSS

Consumer Portfolio ServicesA

Nasdaq / Financial Services

At close

2026-07-18

Current thesis

At roughly $9 versus a sparse target summary centered near $14, bulls can argue the stock still does not fully reflect record receivables, double-digit origination growth, and sequential earnings momentum shown in the Q1 2026 8-K.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.2.

What can break

Annualized net charge-offs rose to 8.57% in Q1 2026 from 7.54% a year earlier, so stronger volumes may be offset by weaker credit performance.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $9.50 · Bull $12.00 · Bear $6.50

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-08 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $14.00

Why

Momentum79 · Δ7d -

Value59 · Δ7d +0.2

Sentiment54 · Δ7d -

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+0.8

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade A. Momentum 78.8 / Value 59.0 / Sentiment 54.2

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$197.24M

Beta

1.04

Shares Out

21.7M

P/E (TTM)

11.1

P/S (TTM)

0.47

P/FCF (TTM)

0.71

Rev YoY

+8.7%

EPS YoY

+22.0%

Gross Margin

+99.8%

Op Margin

+4.0%

Net Debt

$3.34B

Current Ratio

3.59

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology