What is CPSS's 12-month stock price target?

Consumer Portfolio Services Inc. (CPSS) carries a 12-month consensus base price target of $10.28 (+2.7% from $10.01), with a bull-case target of $12.13 and a bear-case floor of $8.02.

Stock Ratings / Financials / CPSS / forecast

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Consumer Portfolio Services Inc. (CPSS) 12-Month Stock Forecast & Price Target Cone

Q: Is CPSS stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates CPSS C (Hold — HOLD) with an RQD Confidence score of 64/100.

$10.01 -1.18% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.97

Consumer Portfolio Services Inc. (CPSS) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $221.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CPSS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CPSS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Consumer Portfolio Services Inc. (NASDAQ: CPSS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $10.01 (-1.18% 1D, market cap $221.9M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CPSS ranks #286 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CPSS compare to DGXX and USDE in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), CPSS carries a Roarable C (64/100 RQD), trailing P/E of 11.3x, gross margin of —, and ROIC of 6.2%. By comparison, DGXX (Digi Power X Inc. Subordinate Voting Shares) holds a E grade (19/100 RQD, P/E N/A, ROIC -23.0%, cap $225.1M) and USDE (StablecoinX Inc. (Class A)) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $229.2M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while ONIT leads on capital efficiency (30.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CPSS?

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Per CPSS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000889609), Consumer Portfolio Services Inc. generated $434.5M in revenue (+10.4% YoY), $19.3M in net income, and $288.3M in free cash flow against $3.86B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.97 (-0.40%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 66.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPSS)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY CPSS SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 66.4% FCF Margin ($288.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (22% of score)

20D Institutional Volume Accumulation (±7.3% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (62.1) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$9.16-2.1% Next Q

Q2 (-2Q)

Grade C$8.97+6.5% Next Q

Q3 (-1Q)

Grade C$9.55+4.8% Next Q

Current

Grade C$10.01+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CPSS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, CPSS faces multiple-compression risk if 11.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.36) or 200D SMA ($9.04) invalidates the momentum regime and cuts Target Base ($10.28) toward Bear Floor ($8.02).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPSS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CPSS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your CPSS Position Size: $10,000

Shares at $10.01: 999.0 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $8.02

$8,012

$-1,988 (-19.9%)

12M Consensus BaseTarget $10.28

$10,270

+$270 (+2.7%)

12M Bull Case BreakoutTarget $12.13

$12,118

+$2,118 (+21.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$11	74%	A
Goldman SachsSector Coverage Lead	BUY	$11	69%	B
JP MorganUS Large-Cap Research	HOLD	$9	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CPSS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

CPSS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.01%⚡ TESTING RESISTANCE

2026-11-03O $9.96H $10.13L $9.96C $10.01VOL 37.5K

RES: $10.21SUP: $6.72SMA50: $9.36SMA200: $9.04

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CPSS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CPSS Butterfly Map → + Track CPSS →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

1.3%/yr Implied 5Y Growth

vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CPSS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CPSS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CPSS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPSS)

Financials Rank #286 of 1097 ⚔️ DGXX vs CPSS Full Matrix →

1. Head-to-Head Financials Peer Comparison (CPSS vs. DGXX, USDE, ONIT, MFIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Consumer Portfolio Services Inc. (CPSS) ranks #286 by composite RQD confidence (64/100, grade C) and #868 by equity capitalization ($221.9M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while ONIT leads on capital efficiency and profitability with 30.2% ROIC and — gross margin. CPSS currently leads its immediate peer cohort in composite quantitative strength at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CPSS ACTIVE Consumer Portfolio Services Inc.	C	64/100	11.3x	—	6.2%	-1.18%	$221.9M	Benchmark Subject
DGXX Digi Power X Inc. Subordinate Voting Shares	E	19/100	—	—	-23.0%	-4.28%	$225.1M	/dgxx-vs-cpss →
USDE StablecoinX Inc. (Class A)	D+	52/100	—	—	—	-9.25%	$229.2M	/usde-vs-cpss →
ONIT Onity Group Inc.	D-	40/100	—	—	30.2%	+5.27%	$229.9M	/onit-vs-cpss →
MFIN Medallion Financial Corp.	D+	52/100	6.2x	—	10.5%	-0.79%	$231.9M	/mfin-vs-cpss →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000889609 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Consumer Portfolio Services Inc. (CPSS) reported GAAP revenue of $434.5M (+10.4% vs. FY2024 revenue of $393.5M , and +23.4% cumulative change since FY2023) , GAAP net income of $19.3M, operating cash flow of $289.0M, and free cash flow of $288.3M (+23.6% YoY). On the balance sheet, CPSS closed FY2025 with $3.86B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$434.5M	$19.3M	$289.0M	$288.3M	$3.86B	—
FY2024 (FY)	2024-12-31	$393.5M	$19.2M	$233.8M	$233.3M	$3.49B	—
FY2023 (FY)	2023-12-31	$352.0M	$45.3M	$238.0M	$238.0M	—	—

3. CPSS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CPSS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CPSS compare to DGXX and USDE in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CPSS?

Where is CPSS trading relative to its 50-day, 200-day, and 52-week technical levels?

CPSS last traded at $10.01 (-1.18% on volume of 18,351 shares), positioning the stock +6.94% above its 50-day simple moving average ($9.36) and +10.73% above its 200-day simple moving average ($9.04). Across its 52-week range of $7.46 to $10.49, CPSS sits at the 84.2% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($9.28 to $10.74).

Direct Sub-Reports: CPSS RQD Cockpit CPSS 12M Forecast CPSS Earnings & Move CPSS Dividends & DRIP CPSS Insiders & 13F CPSS Whale Options CPSS Profit Sankey CPSS News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

CPSS — Consumer Portfolio Services Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Consumer Portfolio Services Inc. (CPSS) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $10.01 (-1.18% 1D, market capitalization $221.9M).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 6.2%, gross margin of —, operating margin of —, and free cash flow yield of —.
Whale 13F & Options Flow (14/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Consumer Portfolio Services Inc. (CPSS) is a NASDAQ-listed operating company in the Finance: Consumer Services industry (Financials sector) with an equity market capitalization of $221.9M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 6.2% (free cash flow yield of 0%). Within the Finance: Consumer Services peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Consumer Portfolio Services Inc. (CPSS) reported $434.5M in annual revenue (up from $393.5M in FY2024, +10.4% YoY) and $19.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($352.0M revenue, $45.3M net income) through FY2025, CPSS scaled operating cash flow to $289.0M and free cash flow to $288.3M, backed by $3.86B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 64/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 14/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $7.46 – $10.49 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 11.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance: Consumer Services (Financials), CPSS carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can CPSS sustain or expand its — operating margin and 6.2% ROIC against Finance: Consumer Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $434.5M and free cash flow of $288.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is CPSS's 10.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CPSS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Consumer Portfolio Services Inc. (CPSS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CPSS Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 21h ago

Consumer Portfolio Services (CPSS) Stock Extends Rally After Q3 Earnings Rebuild

Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quantisnow • 1d ago

SEC Form 10-Q filed by Consumer Portfolio Services Inc.

Quantisnow report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Consumer Portfolio Services, Inc. Estimates – NASDAQ:CPSS

TradingView report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Consumer Portfolio Services: Q3 Earnings Snapshot

Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A car lender's borrowing capacity tops $1 billion for the first time.

Stock Titan report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH MarketBeat • 1d ago

Consumer Portfolio Services (NASDAQ:CPSS) Stock Gets Downgrade from Wall Street Zen

MarketBeat report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Consumer Portfolio Services Q3 Revenue Rises 22% to $131.9 Million

Quiver Quantitative report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

What Consumer Portfolio Services (CPSS) Said on Its Q3 Earnings Call

Yahoo Finance report covering Consumer Portfolio Services Inc. (CPSS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CPSS Bull vs. Bear Conversation Board — What's Your Call at $10.01?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CPSS 🐻 33% BEARISH CONVICTION

MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $12.66 (+25.0%)

📌 Pinned Debate

Trailing P/E of 11.3 and forward P/E of 10.5 with positive FCF reported in FY 2025 ($288.3M) suggest the stock is valued modestly relat

Don't sleep on CPSS's setup in Financials. Trailing P/E of 11.3 and forward P/E of 10.5 with positive FCF reported in FY 2025 ($288.3M) suggest the stock is valued modestly relative to its earnings.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (64/100) backs up the fundamental quality.

EarningsSniper 🐂 BULL

@SkepticalCFA Shorting a 14/20 institutional whale-flow stock at $10.13 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $7.70 (-24.0%)

Spot @ $10.13

Net income fell from $45.3M in FY 2023 to $19.3M in FY 2025 while cash declined to $6.3M, and the RED-flagged Wall Street Zen downgrade

Here is the bear case nobody on the bull side wants to address on CPSS: Net income fell from $45.3M in FY 2023 to $19.3M in FY 2025 while cash declined to $6.3M, and the RED-flagged Wall Street Zen downgrade adds a negative signal.. At 11.3x trailing P/E, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.