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CPSS
CPSS
Consumer Portfolio Service Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$9.27
-0.18 ▼ -1.90%
🌙 7월 28일 5:24 AM ET (한국 7/28 18:24)
$9.28
+0.01 ▲ +0.11%

소비자포트폴리오서비스(CPSS) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$201M
스몰캡
P/E
11.0
저평가 구간
배당수익률
없음
52주 위치
68%
저점 +39% · 고점 -12%
애널리스트
적극 매수
C
Fundamental health
vs. Credit Services
수익성 ⓘ
Top 33%
성장 ⓘ
Top 61%
밸류에이션 ⓘ
Top 68%
재무 안정 ⓘ
Top 53%
💰 Is this stock pricier than usual right now? ⓘ
Compared to this company's own recent 5년 (not other companies).
Very cheap
Cheap
Typical
Pricey
🔥 Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 10원. Over the past 5년, it usually traded around 5원. One of the priciest stretches of the past 5년.
Pricy doesn't mean bad — it means expectations are already baked in.
Index ⓘ RUTP/E ⓘ 10.97EPS (ttm) ⓘ 0.85Insider Own ⓘ 58.07%Shs Outstand ⓘ 21.7MPerf Week ⓘ 3.34%
Market Cap ⓘ 0.20BForward P/E ⓘ -EPS next Y ⓘ -Insider Trans ⓘ -0.21%Shs Float ⓘ 9.1MPerf Month ⓘ -2.42%
Enterprise Value ⓘ 3.71BPEG ⓘ -EPS next Q ⓘ -Inst Own ⓘ 22.42%Short Float ⓘ 1.51%Perf Quarter ⓘ 9.45%
Income ⓘ 0.02BP/S ⓘ 0.46EPS this Y ⓘ -Inst Trans ⓘ -2.79%Short Ratio ⓘ 4.97Perf Half Y ⓘ 10.75%
Sales ⓘ 0.44BP/B ⓘ 0.64EPS next 5Y ⓘ -ROA ⓘ 0.52%Short Interest ⓘ 0.14MPerf YTD ⓘ -0.64%
Book/sh ⓘ 14.49P/C ⓘ 1.08EPS past 3/5Y ⓘ -37.16% -2.33%ROE ⓘ 6.58%52W High ⓘ -11.63% ($10.49)Perf Year ⓘ 1.87%
Cash/sh ⓘ 8.54P/FCF ⓘ 0.68Sales past 3/5Y ⓘ 10.82% 7.31%ROIC ⓘ 0.5%52W Low ⓘ 39.04% ($6.67)Perf 3Y ⓘ -26.89%
Dividend Est. ⓘ -EV/EBITDA ⓘ 14.03EPS Y/Y TTM ⓘ 1.64%Gross Margin ⓘ 99.8%Volatility(W/M) ⓘ 3.3% 3.64%Perf 5Y ⓘ 87.65%
Dividend TTM ⓘ -EV/Sales ⓘ 8.48Sales Y/Y TTM ⓘ 12.28%Oper. Margin ⓘ 60.97%ATR (14) ⓘ 0.34Perf 10Y ⓘ 140.78%
Dividend Ex-Date ⓘ -Quick Ratio ⓘ 3.59EPS Q/Q ⓘ 21.97%Profit Margin ⓘ 4.62%RSI (14) ⓘ 48.09Recom ⓘ 1
Dividend Gr. 3/5Y ⓘ -Current Ratio ⓘ 3.59Sales Q/Q ⓘ 8.67%SMA20 ⓘ -0.5% ($9.32)Beta ⓘ 1.13Target Price ⓘ $15
Payout ⓘ -Debt/Eq ⓘ 11.74Earnings ⓘ 2026/5/5SMA50 ⓘ -2.64% ($9.52)Rel Volume ⓘ 0.76Prev Close ⓘ $9.45
Employees ⓘ 913LT Debt/Eq ⓘ 11.73EPS/Sales Surpr. ⓘ -SMA200 ⓘ 5.89% ($8.75)Avg Volume(3M) ⓘ 0.03MPrice ⓘ $9.27
IPO ⓘ 1992/10/22Option/Short ⓘ Yes/YesTrades ⓘ 425Volume ⓘ 20,998Change ⓘ -1.9%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $112M (YoY +5%) · 순이익 $6M (YoY +18%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Consumer Portfolio Service Inc (CPSS) Investment Analysis

What kind of company is Consumer Portfolio Service Inc?

소비자포트폴리오서비스(CPSS) 가치주
Financial · Credit Services
Small-Cap — Low Volume, High Volatility

🚗 Consumer Portfolio Services is a U.S. subprime auto finance company. Its business model involves purchasing installment contracts originated by auto dealers from borrowers with low creditworthiness and then handling collections and servicing. The company's core competitive strength lies in its sophisticated risk-pricing capabilities, built on a long track record of accumulated loan performance data.

Learn more about Consumer Portfolio Service Inc →
Market Cap
$0.2B
Approx. KRW 0.3 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank4074
Employees913people
IPO1992/10/22
Current Price$9.27 ≈ 12,700원
📌 RUT · NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 5월 5일 (화) · 장 마감 후
🔔 Earnings release 2026년 3월 10일 (화) · 장 마감 후

Is it profitable?

Financial health caution
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
61.0%
✓ 우수
My positionTop 5%
Low range Average High range
Credit Services 초소형주 Median 9.1% · Top tier
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
4.6%
✓ 양호
My positionMid-range
Low range Average High range
Credit Services 초소형주 Median 4.6% · Around average
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
Gross Margin
Profit after subtracting raw-material costs only (signals product competitiveness)
99.8%
✓ 우수
My positionTop 25%
Low range Average High range
Credit Services Median 73.7% · Top 8%
💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)
ROE
Annual return earned on shareholders' equity (15%+ is strong)
6.6%
✓ 양호
My positionMid-range
Low range Average High range
Financial 초소형주 Median 3.2% · Top 28%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
0.5%
✓ 평균
My positionMid-range
Low range Average High range
Financial 초소형주 Median 1.0% · Bottom 47%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
0.5%
✓ 평균
My positionMid-range
Low range Average High range
Financial 초소형주 Median 2.2% · Bottom 42%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
11.74
✓ Danger level
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
3.59
✓ 양호
My positionMid-range
Low range Average High range
Credit Services Median 2.08
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
Quick Ratio
Liquid assets excluding inventory, available for immediate use
3.59
✓ 양호
My positionMid-range
Low range Average High range
Credit Services Median 1.96
💡 1.0 이상이면 안전, 0.5 미만이면 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook
Positive and negative signals are mixed
애널리스트 목표가
$15.00
현재가 대비 +61.8%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Volatility
Frequently misses analyst estimates
0
예상 상회
0
예상 부합
1
예상 하회
0%
상회 비율
-8.7%
평균 서프라이즈
2026.03.10
하회
실적 $0.21 · 예상 $0.23 -8.7%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
-37.2%
부진
My positionBottom 25%
Low range Average High range
가치주 초소형주 Median 2.4% · Bottom 12%
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
-2.3%
평균
My positionMid-range
Low range Average High range
가치주 초소형주 Median 9.4% · Bottom 34%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+7.3%
평균
My positionMid-range
Low range Average High range
가치주 초소형주 Median 7.3% · Bottom 50%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+8.7%
양호
My positionMid-range
Low range Average High range
가치주 초소형주 Median 5.3% · Top 42%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Slightly outperformed the market over 5 years (+19%p)
CPSS +87.7% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
+19.3%p
ahead of the market
1-year basis
vs S&P 500
-14.1%p
behind the market
Rank among peers
5-year return Top among peers Based on 13 peers
1-year return Top 12% Based on 15 peers
Current position within 52-week range
Low (-39.0%p) High (-11.6%p)
Current price is 39.0% above the 52-week low and 11.6% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-15.9%
Annualized volatility
38.6%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴
Current diagnosis · 2026-07-27
Downtrend zone

Current price $9.27 below the midline ($9.32). Normal downward flow. Below the Ichimoku cloud (bearish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD -0.052 · Signal -0.066 · Hist 0.014. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴
Current diagnosis · 2026-07-27
Bearish zone

RSI 48.1 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 52.7.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry
Cheap on Vs. Earnings·Vs. Assets·Vs. Sales·Vs. Cash Flow
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Cheap
🏢 Vs. Assets Cheap
🧾 Vs. Sales Cheap
💧 Vs. Cash Flow Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
10.97x
✓ Cheap
My positionMid-range
Low range Average High range
Credit Services median 11.51x · Around the industry average
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
0.64x
✓ Very cheap
My positionTop 25%
Low range Average High range
Credit Services median 1.42x · Top 25% — relatively cheap within the industry
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
0.46x
✓ Very cheap
My positionTop 25%
Low range Average High range
Credit Services median 1.29x · Top 20% — relatively cheap within the industry
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
EV/EBITDA Enterprise Value Multiple
Total enterprise value ÷ operating cash earnings — a benchmark for M&A
14.03x
✓ Fair
My positionMid-range
Low range Average High range
Credit Services median 9.53x · Around the industry average
💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
0.68x
✓ Very cheap
My positionTop 5%
Low range Average High range
Credit Services median 5.05x · Top 1% — relatively cheap within the industry
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$15.00 vs. current price +61.8%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Credit Services

Who owns it?

Ownership flow shows some pressure
Insider modest net selling -0.2% · Institutional net selling -2.8% · Short interest light 1.5% · Short interest fell -1.7%p over the last 90 days
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-0.2%
Insiders net selling
🏦 Institutions (funds & investors)
-2.8%
Institutions net selling
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 22.4%
Moderate institutional participation
Financial 초소형주 Median 30.5%
🧑‍💼 Insiders 58.1%
Founder/management large holders (strong skin-in-the-game)
Financial 초소형주 Median 23.8%
👤 Retail investors (estimated) 19.5%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
1.5%
Low — limited short-side pressure
Financial 초소형주 Median 0.2%
Past 90 days 📉 -1.7%p decrease
Short interest days to cover
5.0 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 21.7M주
Float (tradable shares) 9.1M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding CPSS

ETFs with the highest weightings · 10 total shown
TUSB
TUSB
Thrivent Ultra Short Bond ETF
0.41%
$221M
ACLO
ACLO
TCW AAA CLO ETF
0.40%
$520M
CGUI
CGUI
Capital Group Ultra Short Income ETF
0.36%
$318M
LODI
LODI
AAM SLC Low Duration Income ETF
0.27%
$96M
YEAR
YEAR
AB Ultra Short Income ETF
0.15%
$1.5B
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
CPSS CPSS This Stock
$201.1M11.0 ▲0.6 ▲6.58% ▼- -1.9%
BRK-B
$966.4B14.8 ▼1.5 ▼10.49% ▲- +0.5%
BRK-A
$963.1B14.8 ▼1.5 ▼10.49% ▲- +0.1%
JPM
$954.4B15.3 ▼2.7 ▼17.71% ▲1.8% ▼+0.8%
V
$683.1B31.9 ▼19.4 ▼59.8% ▲0.75% ▼+1.9%
MA
$487.5B31.9 ▼72.8 ▼232.56% ▲0.63% ▼+2.2%
Sector Avg-13.61.39.39%2.62%-
📊
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Related News & Content

📖 Company overview
컨슈머 포트폴리오 서비스(CPSS) 뭐하는 회사일까? - 주가 전망·실적·시총·관련주·본사 총정리
컨슈머 포트폴리오 서비스 CPSS는 미국 서브프라임 자동차 금융 전문 기업으로, 딜러 할부채권 매입·서비싱 기반의 사업 구조와 데이터 중심 신용 심사 역량이 특징이며 금리·연체 사이클에 민감한 주가 흐름을 보입니다.
📚 Related Investment Guides
미국주식 세금 총정리 2026 — 초보자를 위한 계산법과 절세 전략
2026년 미국주식 세금 총정리. 양도소득세 22% 계산법, 배당세 15% 원천징수, 손익통산, 절세 전략까지. 실제 금액 시뮬레이션과 세금 계산기로 내 세금을 직접 확인해보세요.

FAQ

What kind of company is 소비자포트폴리오서비스(CPSS)?

소비자포트폴리오서비스(CPSS) belongs to the Financial sector and operates in the Credit Services industry.

What is the market cap of CPSS?

The market cap of CPSS is approximately $201M, ranking 4,074 within its sector.

What is the P/E ratio of CPSS?

CPSS has a P/E ratio of approximately 11.0x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for CPSS?

CPSS has recorded a 52-week high of $10.49 and a low of $6.67.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.