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Consumer Portfolio Services, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by Washer Greg, was filed 20 Dec 2022.
Consumer Portfolio Services, Inc.: what insiders have been doing
This page follows insider dealings at Consumer Portfolio Services, Inc. as filed with SEC (Form 4), a company from the Finance & Banking sector. 14 insiders have disclosed 45 filings since 22 October 2025.
No insider bought on the market over the period, while 5 insiders filed 8 sales totalling €2.0M. The largest single trade was a sale of €1.0M by Bradley Charles e Jr, published on 28 August 2026, equal to 0.57% of the market capitalisation.
With 45 filings in twelve months, the company is more active than the median of 24 filings across the 3,171 companies we follow on the same exchange. Looking back to 2016, when coverage begins, insiders filed 52 purchases and 214 sales. The 10-K for the year ended 31 December 2025 shows 434.5 m USD of revenue and 19.3 m USD of net income.
Typically, a trade is published a median of 2 days after it takes place. Section 16 rules allow two business days to file each Form 4. Sales are harder to read than purchases, since they often meet personal needs such as tax or diversification.
These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
644
Thresholds
n/a
Buy Volume
€10M
52 ops. · all time
Sell Volume
€21M
214 ops. · all time
Who traded when
BuySaleWilliam B. Roberts19 sales
Greg Washer8 sales
April Crisp4 sales
Daniel S. Wood4 sales
Catrina Marie Ralston3 sales
Noel Jackson3 sales
+3 other insiders
Since the insiders bought
- +19.3%Entry US$8.34 · Close at T+365 US$9.95
- +14.3%Entry US$9.72 · Close at T+365 US$11.11
- -9.4%Entry US$11.34 · Close at T+365 US$10.27
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Financial data
as of FY 2025FY ended December 2025 · cache
US$8.97
Analyst consensus
Income statement
RevenueUS$202.4M
Net incomeUS$19.3M10.2% margin
Valuation
PER (trailing)9.9x
P/Book0.6x
Beta1.14
Balance sheet & cash
Market capUS$196.5M
Total debtUS$3.5B
Free Cash FlowUS$288.3M
Debt / Equity1261%
Profitability & ownership
ROE6.9%
ROA0.5%
% insiders39.9%
% institutions45.3%
Last declaration on 1 October 2026
Declarations644 total
660 shares0Common Stock, no par valueSEC:0001683168-26-007535:0
7,500 shares@ US$2.470.0090% mcap16.7% of flowCommon Stock, no par valueSEC:0001683168-26-006920:0
7,500 shares@ US$9.310.034% mcap62.9% of flowCommon Stock, no par valueSEC:0001683168-26-006920:1
125,000 shares@ US$9.460.57% mcap19.6% of flowCommon Stock, no par valueSEC:0001683168-26-006794:0
3,617 shares@ US$9.500.017% mcap8.4% of flowCommon Stock, no par valueSEC:0001683168-26-006456:0
916 shares@ US$9.500.0043% mcap2.1% of flowCommon Stock, no par valueSEC:0001683168-26-006215:1
467 shares@ US$9.500.0022% mcap1.1% of flowCommon Stock, no par valueSEC:0001683168-26-006215:0
99,304 shares0Common Stock, no par valueSEC:0001683168-26-006168:5
99,304 shares0Common Stock, no par valueSEC:0001683168-26-006168:4
30,000 shares@ US$3.530.052% mcap7.6% of flowCommon Stock, no par valueSEC:0001683168-26-006156:0
11,066 shares@ US$9.570.052% mcap7.6% of flowCommon Stock, no par valueSEC:0001683168-26-006156:1
45,829 shares@ US$2.470.055% mcap5.7% of flowCommon Stock, no par valueSEC:0001683168-26-006168:0
28,647 shares@ US$3.530.049% mcap5.1% of flowCommon Stock, no par valueSEC:0001683168-26-006168:1
61,353 shares@ US$3.530.11% mcap10.9% of flowCommon Stock, no par valueSEC:0001683168-26-006168:2
36,525 shares@ US$9.570.17% mcap17.5% of flowCommon Stock, no par valueSEC:0001683168-26-006168:3
300,000 shares@ US$3.530.52% mcap17.8% of flowCommon Stock, no par valueSEC:0001683168-26-006112:0
60,000 shares@ US$3.530.10% mcap14.1% of flowCommon Stock, no par valueSEC:0001683168-26-006110:0
60,000 shares@ US$3.530.10% mcap8.7% of flowCommon Stock, no par valueSEC:0001683168-26-006089:0
27,787 shares@ US$9.180.13% mcap10.5% of flowCommon Stock, no par valueSEC:0001683168-26-006089:1
43,588 shares0Common Stock, no par valueSEC:0001683168-26-006007:3
43,588 shares0Common Stock, no par valueSEC:0001683168-26-006007:4
30,000 shares@ US$3.530.052% mcap44.5% of flowCommon Stock, no par valueSEC:0001683168-26-006012:0
14,171 shares@ US$9.310.065% mcap55.5% of flowCommon Stock, no par valueSEC:0001683168-26-006012:1
30,000 shares@ US$3.530.052% mcap47.0% of flowCommon Stock, no par valueSEC:0001683168-26-006006:0
12,459 shares@ US$9.600.059% mcap53.0% of flowCommon Stock, no par valueSEC:0001683168-26-006006:1
25 of 644 declarations
About Consumer Portfolio Services, Inc.
Consumer Portfolio Services, Inc. (CPSS) is a U.S.-listed company on the Nasdaq exchange in the United States (United States). The company operates in specialized auto finance, with a clear focus on non-prime and subprime retail automobile installment contracts. Its core business is to purchase contracts originated by licensed motor vehicle dealers across the country, then either hold them or service them, while funding growth through securitizations and warehouse credit facilities. In practical terms, CPSS sits at the intersection of credit underwriting, portfolio servicing, collections, and structured financing. ([sec.gov](https://www.sec.gov/Archives/edgar/data/889609/000168316826001856/cps_i10k-123125.htm))
Consumer Portfolio Services was incorporated in California on March 8, 1991 and began operations in 1991. The company’s principal executive offices are in Las Vegas, Nevada, while most of its operational and administrative functions are carried out in Irvine, California. It services automobile contracts from branches in California, Nevada, Virginia, Florida, and Illinois. That domestic footprint is important: CPSS is not an international lender, but rather a U.S.-focused specialty finance platform serving dealers and borrowers throughout the American market. ([sec.gov](https://www.sec.gov/Archives/edgar/data/889609/000168316826001856/cps_i10k-123125.htm))
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From an operating-model perspective, CPSS is vertically integrated within its niche. It sources contracts primarily through franchised new-car dealers, though it also works with independent used-car dealers. The company describes its programs as aimed at a broad range of sub-prime customers, with dealer relationships supported by an exclusive sales force that trains dealers and presents the company’s purchase programs. As of December 31, 2025, CPSS reported thousands of dealer applications from 47 states, underscoring a national distribution network rather than a regionally concentrated lender. ([sec.gov](https://www.sec.gov/Archives/edgar/data/889609/000168316826001856/cps_i10k-123125.htm))
In competitive terms, CPSS occupies a recognizable position among U.S. specialty auto lenders. Its main differentiators are underwriting discipline, access to funding, and the ability to manage credit performance across cycles. Because the sub-prime auto finance segment is capital intensive, securitization execution and warehouse liquidity are key strategic variables. CPSS explicitly relies on long-term securitization funding and interim warehouse borrowing, which makes the company highly sensitive to capital market conditions and investor demand for asset-backed securities. ([sec.gov](https://www.sec.gov/Archives/edgar/data/889609/000168316826001856/cps_i10k-123125.htm))
Recent developments reinforce that financing access remains a central strategic priority. In March 2026, CPSS announced a $50.0 million securitization of residual interests with an 8.75% coupon, and in April 2026 it amended a revolving credit agreement with Capital One and a class B lender. Its latest annual filing also showed continued portfolio growth, with 2025 contract purchases of $1.64 billion and a managed portfolio of nearly $3.9 billion at year-end. For investors, that combination points to a business that is still expanding, but remains tightly exposed to credit quality, funding spreads, and used-car collateral values. ([sec.gov](https://www.sec.gov/Archives/edgar/data/889609/000168316826001493/cps_ex9901.htm))
